Insights

Gourav Kumar

Gourav Kumar is a Principal Research Analyst at FundsIndia.com. A Chartered Accountant by training, he is passionate about all things personal finance, and financial planning.

Author Archive | Gourav Kumar

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What you are not told about tax-saving products

Gourav Kumar

The tax saving season is closing in. By the end of this month, salaried employees will be asked to submit proofs of their tax saving investments. Employees will then scramble…Continue Reading

Don’t wait for the elections to invest

Gourav Kumar

Stock markets have been volatile over the past few weeks, driven by local and global macro concerns. Analysts have been saying the volatility is likely to continue till the general…Continue Reading

FundsIndia Views: Do actively managed funds underperform benchmarks?

Gourav Kumar

Over the last couple of years, there has been a lot of talk about index funds. Some are convinced that index funds are better than actively managed funds. Some say…Continue Reading

Avoid these financial mistakes

Don’t start your career with these 6 financial mistakes

Gourav Kumar

How many of us know that the social security net in India is almost non-existent? And that your EPF is a very poor attempt at creating social security. NPS, a…Continue Reading

What is Ponzi scheme & how to identify one

Gourav Kumar

Charles Ponzi. The name itself might not ring a bell for most people, but the surname will. Charles Ponzi is known as a con artist who popularised unscrupulous money-making schemes…Continue Reading

The lazy investor wins the race

Gourav Kumar

At every turn in your life, you may find yourself being goaded to work harder. It is said that hard work and diligence is the only way to reach your…Continue Reading

FundsIndia Explains: Effect of volatility on fund returns

Gourav Kumar

Over the last 6 months, markets have been in the red often. While BSE Sensex and NSE Nifty 50 are back to their all time highs, small and midcap indices…Continue Reading

Risk associated with risk-free investments

Gourav Kumar

Over the past decade, financial services have become increasingly easily accessible. From bank deposits to mutual funds, from equities to insurance, all are now available online. While KYC norms still…Continue Reading

Why SIPs work better: The science behind cost averaging

Gourav Kumar

We all have our ‘eureka’ moment and mine came while buying mangoes. Yes, buying mangoes helped me explain why average costs come down more than you expect it to, when…Continue Reading

Got a Pay Hike? Here’s What You Should Do

Gourav Kumar

It’s that time of the year again. We are all waiting for our appraisal letters and ratings to find out how much our salary is going to increase this time.…Continue Reading