Manoj Arora's Blog, page 11

What are International Mutual Funds, and should you go for them?

International Mutual Funds help you diversify globally, but also increase your risk. Let us see when should we go for them...


What are International Mutual Funds

International mutual funds are those funds that invest in foreign companies. These funds are also referred to as overseas or foreign funds. Investing in these can be of higher risk exposure, but also provide you with chances of

Meet another Freedom Seeker - Sneha Chopra - an entrepreneur from Faridabad, India

Last time, we met an energetic and a passionate professional from Karnataka, India : Mr. Anand Managoli, who is already on his journey towards financial freedom. 
Today, you have an opportunity to meet another young and dynamic entrepreneur, a self made woman, and a keto lifestyle expert Ms. Sneha Chopra




The response to such posts has been overwhelming. Last time, we met Mr. Anand

Old Vs New Income Tax Regime : Budget 2020 : With Downloadable Excel

As if the existing Income Tax and Return filing was a child's play, here comes two different tax regimes to choose from - Old Vs New. 

To top it, there is no one definitive answer. 

Every individual tax payer has a different story to share, depending on the income tax bracket, exemptions and deductions you claim or intend to claim. 

Let's see the merits and demerits in each regime, and

Why can't a country just print more Money?

It does not take rocket science for an inquisitive mind to ask this question :  What stops any government from printing more money and distributing it to its citizens, thus elevating them from poverty, and allowing them to lead a more comfortable life? I had that question when I started on my financial freedom journey...Read on.. The Question RBI, or for that matter, any federal bank

The Art of Investment Churning : Save Taxes without any Investments

I have seen so many people struggle to meet their investment target to save taxes every year. Usually, the insanity is at its peak during the last month of the financial year. The chaos is so much that people often tend to buy useless insurance products and get stuck with a life time commitment, just to save taxes for one year.  On the brighter side, there are techniques that can help you

What is EMI Holiday / Moratorium

Covid-19 global tragedy has pushed the Government to announce an EMI Holiday for all those who have taken a loan, but it is better to understand various aspects of this EMI Holiday before opting for it. What is a Moratorium or EMI Holiday? A moratorium period is a period during a loan term when the borrower is not obligated to make a payment. It is a waiting period before the borrower

Strategies and Clauses while choosing a Health Insurance Policy

You may not need Life Insurance after a certain stage of life.  But Health Insurance is one insurance you would love to have until the last day of your life. Choosing a right health insurance policy,  selecting the the right clauses, and adapting a right strategy is the key to protect your wealth, and live with a peace of mind....Read on... Why Health Insurance? You may feel fortunate

CAGR Vs IRR Vs XIRR Methods to calculate Returns on Investments

After interacting with thousands of freedom seekers from across the globe, I have seen enough of them struggling to find out the returns from their investments. Sounds strange? It is not. We invest our hard earned money, and continue to stay invested, without even knowing what is the return we are getting on our investments. This is basic, and simple as well. So, thought of

Side Pocketing in Debt Mutual Funds

Ever since IL&FS defaulted on its debt papers and sparked a liquidity crisis across various pockets of non-bank financers, side-pocketing by mutual funds has become a a commonly used term. Though the concept has become quite mainstream in the recent times, not everybody understands the idea and what it means for their holdings with mutual funds. Let us take a closer look at how it impacts

Financial Freedom Podcasts : An Open-Talk Show

We have been trying to reach more freedom seekers via various channels of communication - Podcasts being the latest one. So, if you are driving to and from your work, or have a lunch break, a 20 minute talk could just turn your life on ts head. Go, Listen on.. The Financial Freedom Show Podcasts relayed via the Open-Talk Platform are being done via a show that we run on Open-Talk by