Gourav Kumar

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

Author Archive | Gourav Kumar

Low-risk hybrid MF options – how they differ

Gourav Kumar

Hybrid funds combine the growth prospects of equity with the stability of debt to try to deliver returns with lower volatility. Among hybrid funds – those with a bias for…Continue Reading

How much risk should you take

Gourav Kumar

One common mistake investors make is to ignore risk while making investment decisions. A large chunk of investors make investment purely based on the returns characteristics of the product. For…Continue Reading

My investments are in losses, what should I do?

Gourav Kumar

If you started investing in equity mutual funds some time within the last 2 years, it is likely that your investments would be in the red right now. It is…Continue Reading

Impact of budget 2019 on your taxes

Budget 2019 – How it affects your taxes

Gourav Kumar

Finance Minister Piyush Goyal presented India’s budget for the financial year 2019-20 on 1st of February, 2019. Being an interim budget, no major policy announcements were expected or made from…Continue Reading

The best time to start investing is today

Gourav Kumar

At the end of 2017, a friend of mine asked me if it was a good time to start investing given the markets were at a high. I advised him…Continue Reading


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