Farooque Akhtar
Most Indian salaried people are not failing because they earn too little. They are failing because inflation quietly eats their savings while their money sleeps in savings accounts, fixed deposits, or random insurance-investment products. That is where index fund SIP investing becomes powerful. Instead of trying to pick “multibagger” stocks or timing the market every … Read more
Healthcare costs are increasing every year, and a good health insurance policy not only protects your savings but can also reduce your income tax liability. Under the Income Tax Act, Section 80D allows taxpayers to claim deductions for health insurance premiums and certain medical expenses. In this guide, you will learn the latest Section 80D … Read more
A freelancer receives ₹50,000 from a client and feels rich for a few days. Three months later, the advance tax is due. The money is already spent. Panic begins. This is one of the most common financial mistakes among freelancers, consultants, content creators, designers, developers, and online professionals. The problem is not low income. The … Read more
Author: Farooque Akhtar, MBA & CFA Published: December 22, 2025 Last Updated: December 23, 2025 Disclaimer: This content is for educational purposes only and should not be considered personalized financial advice. Consult with a qualified financial advisor before making investment decisions. Master Your Money: A Practical 7-Step Financial Freedom Plan for Indians Most people think … Read more
Return on Capital Employed (ROCE) SIP calculator tells you how hard a company makes its money work.Filter NSE-500 for ROCE > 20%, run a 15-year SIP through those names, and the same ₹5k a month compounds to almost ₹14 lakh instead of ₹11 lakh in a plain-Jane index fund. The ROCE SIP calculator encourages rational … Read more
Artificial intelligence is changing how Indian investors research stocks. Earlier, investors spent hours reading annual reports, financial ratios, charts, and market updates. Today, AI stock picking tools in India help investors filter thousands of companies within minutes using data analytics, algorithms, and smart screening methods. But there is one important point: AI tools cannot guarantee … Read more
Income-tax hacks new regime strategies are different from traditional tax-saving methods because popular deductions like Section 80C work differently under the old and new tax systems. Many taxpayers now need smarter ways to legally reduce their taxes through salary structures, eligible deductions, and proper financial planning. Searching for an income tax hack in 2025? Many … Read more
Most people do not struggle with money because they earn too little. They struggle because they do not have a clear financial system. Many salaried employees and self-employed professionals receive their income every month, pay bills, spend on daily needs, and hope that some money remains for savings. Unfortunately, that approach rarely works. Financial success … Read more
Holi brings colours, family gatherings, sweets, gifts, and celebrations. Unfortunately, many people also end up with unnecessary expenses and post-festival regret. A simple budget split can help you enjoy Holi without disturbing your monthly finances. In this guide, we will see how to divide your Holi budget wisely between celebration and financial priorities. Holi budget … Read more
Love does not have to come with financial stress. Whether you’re planning a dinner date, buying gifts, or taking a short trip, having a Valentine’s Day budget helps you enjoy the occasion without hurting your savings goals. This guide explains how couples can divide expenses fairly and spend guilt-free using a simple budgeting approach. A … Read more
