Holistic Wealth with Zen

Annuities are going through a scanner thanks to a controversial case making the headlines in Karnataka. Are you asking the right questions? Are you selecting the right annuity plan for yourself? Is it in line with your other investments?

Any profit or gain that arises from the sale of a ‘capital asset’ is a capital gain. This gain or profit comes under the category ‘income’, and hence taxable. The article looks at the reasons for this tax and the emotions that run through people at that time in the year.

Succession laws for both men and women vary according to gender and religion in India. The article gives us the details for us to be more clear on contentious issues, if and when they arise.

All of us have heard our parents exhorting us to save. They tell us to save for the future, for the unknown, and for our own good. They have seen a tough life in the olden days when jobs were tough to get and keep. Incomes were far too low while expenses remained high and most of the country was poor, requiring frugality and tight-fisted choices. But is it fair to drown our young with our tales of caution and drive their investments in a context they don’t understand?

Market regulator Sebi has allowed asset management companies to introduce silver exchange-traded funds (ETFs) in the Indian market, which will work on the same principle as Gold ETF which are already being traded in stock exchanges. The article explores the pros and cons of this new investment instrument.

Petrol and Diesel are selling at a record high level and has been the butt of many jokes. People are angry that even though the price of Crude oil is now lower, the taxes and deregulation by the government has increased the price of fuel in this country. They believe that the Govt is actively pushing consumers towards EVs & green fuel. The article is our take on the fuel prices increase

Death is not a pleasant topic to think or talk about, but we all must understand that it is an eventuality. And therefore, important that we do our estate planning such that it is distributed as we would wish it to be done without acrimony and mudslinging. Many people think that they can nominate someone for their investments and assets, and they have finished the task! This article defines the difference between legal heirs and nominees and why it is important that you understand the difference when it comes to different financial instruments.

In today’s times, nobody wants to be caught on their wrong foot and are trying to ensure that everything goes smoothly as per their thinking. Which is why it is important to see the points we have compiled on these three distinct topics throughout our years of experience on estate planning for our clients

Most investors think that they are smarter than the market & they want to time it & invest at down & exit at high to make the money. What effect does it have on their investments and psyche? Lets look at a case in point who we have finally brought back to the fold after many months of distrust of market behaviour.

Ever noticed there are some people who are always averse to entering or staying in the market for the long haul! All of them seem to have the same idea. “Lets invest later”. This article looks at the reality check for this phenomenon and also the Must-Dos as seen by us during all these times.

It’s no secret that passwords are your only protection from cybercriminals. The importance of using secure, unique passwords is getting higher as we entrust personal information to organizations and businesses that can fall victim to data breaches and password leaks.
The article looks at various dos and don’ts while creating a password and advocates moving to at least a two-factor authentication to verify your identity before allowing access to the data.

As a parent, we always want the best for our children. This doesn’t necessarily mean we want them to have the best clothes, toys or coolest games. It means we want them to be safe and secure. We want to pass on the good values on how to earn money. And you want to lay a foundation that they can build upon to do well in life. The article looks at how you can about teaching your children a foundation lesson that will impact their lives and future. Lessons on finance and managing money.