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Basics of 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
 

Financephobic: Why Zerodha messed up by hiring me

I think I’m financephobic. I abhor finance. Maybe not the field itself, just how it feels. I know financial decisions are important. I still find them revolting. The problem is that I’ve somehow gotten myself a job at Zerodha. India’s largest stockbroker. And I have no idea what I’m doing. In this series, I’ll try fixing my financial life and share what I learn with you.

Senior writer at Zerodha
2
16 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 to make sure your term insurance application doesn’t get rejected

It’s that time of the year again. Everyone is scampering to invest in ELSS mutual fund schemes, NPS products, and insurance policies just to reduce their taxable income. And while buying investment products may be rather straightforward, insurance policies are anything but straightforward. Even if you’ve decided on a policy and made payment, it could […]

Co-founder at Finshots and Ditto insurance.
1
19 Dec 2023
 

What are dark patterns and can they be regulated

Dark patterns are everywhere, these are tricks used by applications and websites to make users do things they don’t want to. They rely on exploiting our behavioural biases and cognitive limitations. We all encounter dark patterns in our daily lives, like making it easy to subscribe but hard to unsubscribe, pre-selecting actions like purchasing insurance, […]

India's largest broker trusted by 1.3+ crore investors.
0
20 Oct 2023
 

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
 

Decoding the SEBI consultation paper on regulating financial influencers

Financial influencers or finfluencers have become incredibly popular in the last 4–5 years. While there are a lot of amazing people who teach people about trading and investing, there are many who sell greed and set the wrong expectations. SEBI recently came up with a consultation paper on regulating finfluencers. In this video, Nithin, Abid […]

India's largest broker trusted by 1.3+ crore investors.
5
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
 

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
 

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
 

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
 

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
zerodha-coin-newsletter-issue-1 

Coin newsletter #1: Bull market mistakes

In the past year or so, we’ve seen a huge spike in new investors. While, in general, this new breed of investors are more informed than the previous generation, some of them continue to make the same old mistakes. At Zerodha, we spend quite a bit of time educating investors. We constantly share things and […]

India's largest broker trusted by 1.3+ crore investors.
120
22 Jul 2021