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The budget is a statement of income and expenditure of the government. In case of our government, the expenses are always much higher than the income! We are in elegant company – even most of the “developed” economies are shining beacons of profligacy… so we are in good company!

Income for the government is primarily by way of direct and indirect taxes, customs duties, cess, non-tax receipts etc.

People pride themselves on their rational decision-making, especially when it comes to their money. However, it has a way of leading us down wrong alleyways. These seemingly straightforward looking decisions may not be so straightforward after all. That is why many times people stub their toe on financial decisions.

Explore wealth management for the affluent, where financial goals, risk tolerance, and personal aspirations shape their unique investment strategies.

A quality education is often regarded as the key to unlocking a brighter future. However, with the ever-increasing tuition fees, many parents find themselves grappling with the dilemma of financing their child’s higher education. In such scenarios, education loans emerge as a potential solution. But are they truly necessary, and what are the implications?

The world has changed quite a bit in this decade. We started with Covid and when it began to ebb, we saw the start of Russia-Ukraine war in 2022. That led to a lot of changes and realignments in the globe. The NATO and the western powers supported Ukraine and wanted to hold Russia to account. After that, the terrorist attack on Israel took place resulting in war in that region.

The idea of passing on a legacy is something that parents always plan for. Inheritance typically happens after the lifetime of the parents. But nowadays, more parents are thinking about a different approach: giving some of their wealth to their kids while they’re still young adults.

Retirement is a golden period, often envisioned as a time for travel, hobbies, and relaxation. But this dream can quickly turn into a stressful reality if you haven’t planned financially.

When planning for anything, we should know what the end objective is without any true basis. We need to understand what we want to achieve and put in place a plan that helps to achieve that outcome. Such a plan will breakdown what needs to be done and in what sequence, so that the end objective is achieved.

Crypto assets have a polarising influence on people. There are sold-out fans who envisage a crypto led future, to skeptics who denounce Cryptos for the exaggerated sense of importance given to them without any true basis.

Investing is different in so many ways. Everywhere else, we learn first and then go ahead and use that knowledge or skill. For instance, we learn to drive first and then start driving. Same when we want to play an instrument.