Time value of money

A $100 is a $100 is a $100. No brainier? Theoretically yes. But practically – life is more complicated. One of the reasons is the concept of time value of money! Time value of money – is an interesting relationship between money and time! It is visible everywhere.  Money is usually worth more today than […]

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Paying off debt versus investing money?

If you get some additional money in hand via a bonus or a pay raise – what should you do? Indulge yourself, pay off your debts/ loans, if any or invest? There are seldom any easy choices there – especially when it comes to paying off debt versus investing. And both may have their own merits and demerits!

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Wonders of compounding – How much difference can 10 years make?

While initial capital (principal) and rate of interest are important in compounding process, the thing that actually makes it well wonderfully well is – time. Give it enough time, and see the wonders of compounding! Few years difference can make a huge difference in your compounding journey. How much difference can a head-start of 10 […]

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How compound interest works – for you and against you?

Compound interest is a powerful thing. If done well, the compounding machine can work wonders for your life. If not, compounding can work against you. Read more on how compound interest works – for you and against you

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How can PPF help your money grow?

Public Provident Fund – or PPF can be a wonderful instrument to get assured, long term and tax free returns. And as we can see subsequently see in this article, PPF can help your money grow and compound in quite an amazing way. (Related article – Should you invest in PPF? ) PPF falls under […]

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25 financial tips for a 25 year-old

If you are 25 year old, there is a good likelihood that you would have started working or are likely to start soon. And hopefully start(ed) managing your own finances.So, what do you do next? Here are 25 financial tips for a 25-year-old!

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How compounding can work against you?

Compounding can work wonders for your financial life. But, there is a catch. This assumes that you are prudent and wise with your money. Unfortunately, most of us aren’t. And this is a perfect way to make compounding work against you.

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