Author: Bhuvan


 

Investing is a problem that has been solved

“Investing is a problem that has been solved.” Dave Nadig, a veteran of the US ETF industry, said this on a podcast, and it has been stuck in my head ever since. I remembered this quote because I saw this poll on Twitter (Umm… X. What sort of name is that?). I’ve been thinking and […]

Financial analyst and researcher at Zerodha
0
22 Feb 2024
 

The basics you need to know when buying health and life insurance

Over the years, whenever we asked people what aspect of their personal finances they struggled with the most, the common answer was insurance. So we decided to do an Ask Me Anything session with Shrehith Karkera, co-founder of Ditto Insurance. We collected the most common answers from people with Shrehith answering them in detail.

Financial analyst and researcher at Zerodha
0
19 Feb 2024
 

This week in fintech and health

Once upon a time, I used to publish a fintech newsletter. It was pretty good, if I may be vain enough to say so. Once upon a slightly later time, due to unspeakable and mostly embarrassing reasons, I let the newsletter fall by the wayside. But we’re starting it again. My colleagues have promised to […]

Financial analyst and researcher at Zerodha
1
17 Feb 2024
 

What did we learn?

2023 was an interesting year. Given the new year, it’s a good time to reflect on the year that has passed. We learn so that we can ignore the lessons and make the same old mistakes in unique ways.

Financial analyst and researcher at Zerodha
25
20 Jan 2024
 

How not to be a victim of financial scams

A week ago, I read this disturbing story of a poor family of four that decided to end their lives due to harassment from loan recovery agents. The amount in question was just ₹9,300 borrowed from an illegal loan app. This incident reminded me of another depressing and unforgettable story that I had read some […]

Financial analyst and researcher at Zerodha
13
04 Oct 2023
 

Get rich slow

99% of people reading this article will have two reactions: they’ll ignore it or think I’m a moron. So, why write? I don’t know; it’s an itch I can’t scratch. If you are on Twitter, you must have noticed the backlash against influencers of late. It started with the expose of some finfluencers faking P&L […]

Financial analyst and researcher at Zerodha
43
07 Sep 2023
 

Get poor quick

  You needn’t wait for your salary to celebrate!! Is shopping on your mind today? Get the funds you need, without any extra fee! Loan ke oopar extra loan! Cash of Rs X lakh is waiting for you!!!!!! These are examples of loan notifications on banking and payment apps I get almost every day. Everybody […]

Financial analyst and researcher at Zerodha
11
15 Jul 2023
 

A life well lived

  One of my pet peeves with personal finance books is that investing gets all the attention. It’s not that investing isn’t an important part of personal finance, but beyond a point, it’s a giant distraction. There are bigger personal finance priorities than investing. Unless you’re an investing professional, spending more than a couple of […]

Financial analyst and researcher at Zerodha
5
05 Jun 2023
 

A quick guide to cash management for startups 

A recurring theme about financial crises is that people keep learning the same old lessons. The collapse of Silicon Valley Bank (SVB) highlighted the lessons of proper cash management. To recap, Silicon Valley Bank was a favorite among startups due to its focus on providing banking for them. As venture funding exploded after the pandemic, […]

Financial analyst and researcher at Zerodha
2
22 Apr 2023
 

What did we learn?

Happy Christmas and a new year in advance, everyone. What a rollercoaster this year has been for the markets. Given the war in Ukraine and the dramatic spike in inflation and interest rates, there’s been carnage in the growthy and most speculative segments of the markets. In the words of every sell analyst, the term […]

Financial analyst and researcher at Zerodha
9
23 Dec 2022
 

Organizing economic and financial data with Ashutosh Datar

IndiaDataHub is an economic and financial data and insights platform. They are doing an amazing job not just aggregating data across numerous sources and also parsing the data to derive meaningful insights. It was started by Ashutosh Datar as a passion project and later evolved into a full-fledged platform. IndiaDataHub also publishes an annual publication […]

Financial analyst and researcher at Zerodha
0
02 Aug 2022
 

Bad influence

There was a lot of noise on social media over the past few days after a crypto platform recommended by some influencers suspended withdrawals. I don’t want to delve into the issue, a lot has already been said and written publicly. But the whole episode highlights just how influential these influencers have become.     Monkey see, […]

Financial analyst and researcher at Zerodha
4
15 Jul 2022
 

How to avoid being a victim of mis-selling  

The sad reality of financial services is that good financial products like term insurance are sold the least, and horrible products like endowment policies and ULIPs are sold the most. There’s an old saying, “there’s no product a high commission can’t sell.” The one or two stories of mis-selling out of the hundreds that get […]

Financial analyst and researcher at Zerodha
9
27 May 2022
 

Introducing BeyondIRR

Like we’ve alluded to multiple times in the past, without a vibrant advisory ecosystem of advisors and distributors, there’s only so much the Indian markets can grow. Sure, the investor base has grown quite a bit in the last couple of years. But if the markets have to continue growing, we’ll need lakhs of advisors […]

Financial analyst and researcher at Zerodha
1
25 Apr 2022
 

How to survive a bear market? 

The financial media tells me that the US Federal Reserve and the RBI will soon raise interest rates because inflation is out of control. If inflation is hot, interest rates rise, and the Fed stops printing money, liquidity will dry up, and the markets will apparently crash between 50-80%. According to the “experts”, the target […]

Financial analyst and researcher at Zerodha
24
14 Feb 2022
 

More important than money

It doesn’t feel like the end of 2021, but rather a long 2020 just ended. I was thinking of writing about a year-end personal finance checklist, but then I realized 2021 deserves a different kind of review given what we’ve lived through.  For the last couple of years, we’ve all been a bit like a […]

Financial analyst and researcher at Zerodha
5
21 Jan 2022
 

Coin newsletter #4: Everybody is having fun

If you ignore the brutal bear market over the last one month, we’re still in a raging bull market. A lot of people think that the markets are in a bubble. I don’t know. I guess nobody knows. Talk of bubbles always reminds me of this tongue in cheek quote by Eddy Elfenbein: A bubble […]

Financial analyst and researcher at Zerodha
0
15 Dec 2021
 

Market holiday calendar 2022—NSE, BSE and MCX

Here’s the trading/stock market holiday calendar for 2022 for equity and F&O segments.   Holiday Date Day Republic Day January 26, 2022 Wednesday Mahashivratri March 01, 2022 Tuesday Holi March 18, 2022 Friday Dr. Baba Saheb Ambedkar Jayanti/ Mahavir Jayanti April 14, 2022 Thursday Good Friday April 15, 2022 Friday Eid-Ul-Fitr (Ramzan ID) May 03, […]

Financial analyst and researcher at Zerodha
12
11 Dec 2021
 

Introducing Stoa

Since day 1 of Zerodha, we’ve always tried to share as much as possible and educate people about the markets. Today, our initiatives like Varsity, Z-Connect and Tradingqna are some of the most visited sites both in India and across the world. Though we don’t really have an ed-tech focus at Rainmatter, we partnered with […]

Financial analyst and researcher at Zerodha
0
07 Dec 2021
 

Coin newsletter #3: Starting troubles

Wishing you all a Happy and prosperous Diwali🪔 from all of us here at team Zerodha! This post got a little big because we wanted to cover some basic yet extremely important personal finance concepts. This was the first post that we wanted to write but there was so much other crazy stuff happening in […]

Financial analyst and researcher at Zerodha
17
02 Nov 2021
 

Coin newsletter #2: Expectations, disappointments and regrets

There’s nothing new that you can say about investing. The basics – save more, spend less, diversify, keep costs low, and don’t tinker with your portfolio have remained the same for ages. It’s just that we have to find new ways to keep saying the same old things.  And since most of you are probably […]

Financial analyst and researcher at Zerodha
20
14 Sep 2021
 

SEBI regulated entities can no longer offer digital gold products

India is the second-largest consumer of gold in the world after China. Gold holds a lot of cultural significance for Indians. The average Indian household has over 11% of its wealth in gold and it’s the second biggest asset among households after real estate. Gold and real estate combined account for 80-95% of Indian household […]

Financial analyst and researcher at Zerodha
3
24 Aug 2021
 

Important clarifications for Investment Advisers (RIAs)

In September 2020, SEBI notified the new changes to the Registered Investment Advisers (RIA) guidelines. There were a few big and important changes in the new guidelines:  Segregation of advisory and distribution at a client level Mandatory agreement between advisers and clients before any advice was given Capping of fees at 2.5% for AUM based […]

Financial analyst and researcher at Zerodha
5
22 Apr 2021
 

Update to CDSL’s TPIN authorisation process for selling stocks

Hindi: इस पोस्ट को हिंदी में पढ़ने के लिए यहाँ क्लिक करें। In May 2020, the depositories introduced a new process for clients to authorise the debit of securities from their demat accounts against a delivery sale transaction by entering a TPIN. The new process made a physical Power of Attorney for the demat account, […]

Financial analyst and researcher at Zerodha
504
19 Feb 2021
 

नितिन के साथ ज़ेरोधा को जानें

Prateek: Hi दोस्तों, मैं Prateek Singh, CEO और LearnApp का संस्थापक, एक वीडियो शिक्षा मंच। और मैंने पिछले दस वर्षों में पर्सनली Zerodha को ग्रो होते देखा है। और मुझे Zerodha के कई फर्स्ट-टाइम अकाउंट होल्डर्स के बारे में पता है, और यहां तक ​​कि LearnApp यूज़र्स Zerodha की यात्रा के बारे में भी जानना […]

Financial analyst and researcher at Zerodha
0
24 Nov 2020