Rupakumar Pradhan, CFPCM, CWM®

Personal Financial Advisor

Practical Views on Money, Finance & Life .....

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 Hot Topics
  • Interest Rates Cut On Small Savings Schemes Indians will earn less from their small savings schemes in the April-June 2020 quarter, with the government slashed interest rates on popular schemes – PPF, SCSS, NSE, SSY etc. in...
  • 5 Reasons Why Emergency Fund is Important? Covid-19 Lockdown and emergency fund requirement. Just imagine the situation!  Life is full of surprises — some good and some bad. Most of us just try to ride the wave...
  • Personal Finance Concerns during Covid-19 Crisis Here is a very basic guide on how to take the rational decision on ‘Personal Finance Concerns During Covid-19 Crisis’. We have done a ‘One Day Survey’ on this topic...
  • Hidden Charges In Your Saving Bank Account Savings accounts are designed to encourage more savings, unlike current accounts which allow unlimited transactions and do not offer any interest. An individual who has a steady income for example...
  • Market Correction Some of our investors are asking about the current market correction and future course of action on this event. They are very much confident about their ‘Comprehensive Financial Plan’ which...
    Interest Rates Cut On Small Savings Schemes

Interest Rates Cut On Small Savings Schemes

Indians will earn less from their small savings schemes in the April-June 2020 quarter, with the government slashed interest rates on popular schemes – PPF, SCSS, NSE, SSY etc. in a falling rate cycle. The interest rate cut on small savings schemes such as PPF and post office deposits may

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    5 Reasons Why Emergency Fund is Important?

5 Reasons Why Emergency Fund is Important?

Covid-19 Lockdown and emergency fund requirement. Just imagine the situation!  Life is full of surprises — some good and some bad. Most of us just try to ride the wave the best we can, making the most of what we have. Just see the current situation, we have not heard

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    Personal Finance Concerns during Covid-19 Crisis

Personal Finance Concerns during Covid-19 Crisis

Here is a very basic guide on how to take the rational decision on ‘Personal Finance Concerns During Covid-19 Crisis’. We have done a ‘One Day Survey’ on this topic with multiple choices thru different online platform. (WhatsApp, Telegram, Linkedin, Facebook etc.) on April 20, 2020 (Monday). The survey questions

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    Market Correction

Market Correction

Some of our investors are asking about the current market correction and future course of action on this event. They are very much confident about their ‘Comprehensive Financial Plan’ which we have prepared for them. It’s a 60-70 pages written report with 4-5 hours discussion on the recommendations with alternatives.

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    How Wealth Is Created?

How Wealth Is Created?

Wishing you and your family a magnificent 2019. I am writing this article after 3 months due to my CWM (Chartered Wealth Manager) Exam preparation. Thank you so much for your believe in “Comprehensive Financial Plan” and CFP professional work and practice. Most important is your TRUST on me as

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    Wealth Creation v/s Wealth Erosion

Wealth Creation v/s Wealth Erosion

Generally we are savings are likely to be held in five major categories—property, equity, debt, precious metals, and cash. Whatever the investment product, however complex it’s terminology and working, it is likely to fit into one or more of these categories. Equity shares, IPOs, equity funds, PMS are all equity.

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    Nuggets For You

Nuggets For You

Some of my recent tweets in the month of April 2018 “I think this is also a great time to invest in private equity, helping companies grow from the ground top.” ~Jim Rogers “By developing your discipline and courage, you can refuse to let other people’s mood swings govern your

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    LTCG Tax for Your Mutual Funds

LTCG Tax for Your Mutual Funds

What is LTCG? LTCG or Long-Term Capital Gains refer to the gains made on any class of asset held for a particular period of time. In case of equity shares, it refers to the gains made on stocks held for more than one year. In other words, if the shares

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