EPF Vs PPF

EPF scores over PPF as far as interest rates are concerned. But are returns the only criteria to make a wise investment decision? What about liquidity, feasible investment duration, interest credit cycle etc? We usually do not pay much heed to these equally vital criteria for massive long term wealth creation.

Let us compare two of the safest and most tax efficient government backed investing options i.e. EPF and PPF from all perspectives.

[Guest Post] 7 Habits of Ultra Happy Beings

By observing happy people around her, our first time guest blogger, Jaishree found 7 common habits across all these happy people. 
Let us see what Jaishree has to share with us...

'Kalpavriksha' is now a Registered Trust

We started in 2016 by planting a few trees in an adjoining park. We have come a long way. Beginning of 2018, we are a registered not for profit trust with pan India operations.
Read on..

Announcement of our upcoming new Title : The Autobiography of A Stock

Get set for the simplest and the most powerful book ever written on stock investing as yet. 
"The Autobiography of a Stock" is going to change how common people - like you and me - look at stock investing. 
Get set for 2018, as we get ready to launch this amazing book in the coming month.

Cost Inflation Index base year has shifted. You may be in for windfall tax gains

[Updated : 09-Nov-2018]
Cost Inflation Index(CII) now has a new Base Year. In a seemingly silent move that is likely to immensely impact your taxation on long term capital gains from real estate, bonds, gold and debt based mutual funds, the base year for Cost Inflation Index(CII) has been shifted from 1981 to 2001. Understand more about CII and how this change in base year impacts your future potential gains and taxes thereof.

22 Apex Lessons from the Book "See You At the Top" by Zig Ziglar

With more than 1,600,000 copies in print, "See You at the Top" is an extraordinary perennial favorite and annual bestseller, which teaches the value of a healthy self-image and how to build that image. It clarifies why goals are important, teaches you how to set them, and motivates you to reach them.
I, hereby, list down the 22 Apex Lessons that i learnt from this awesome book. I know that I need to keep practicing these learning day in and day out. These learning are worded and appended in a way that makes it easier for most of us to understand and absorb.

If you are interested in reading about such learning from other all time best selling books, you may click here.

EPF Taxation Laws Post Leaving Your Employment

[Last Update: 17-Apr-2025]

Did you know that EPF interest earned post quitting your job becomes taxable from the day you quit? Did you know that your EPF account does not earn any interest 3 years after your retirement? Did you know that withdrawing EPF before 5 years is taxable in many cases, though not all? 
There are many such EPF rules that you should be aware of, for ignorance of law is no excuse...Read on.

200 Trees Up for Kalpavriksha !

Dreams do come true. If one is passionate and working for a right cause, HE is always going to be with you.
Post my Financial Freedom, I started my NGO 'Kalpavriksha' with a mission to plant 1 Million trees. In our first year of operations in 2016, we had planted 25 trees. In spite of my best efforts, almost half of them couldn't survive until the next year. I learnt from my mistakes and decided to build a bigger team, with a very robust process framework. 
Soon, passionate individuals started to join in. We took a target of planting and nurturing 200 trees by the end of this year (2017). We achieved the target just a few days back - and that too with a survival rate of 98%+. Read more..

How long is 'Long Term' in Equity?

For someone running the last 100 meters of a 42 Km marathon, one sec can seem to be quite a time. On the other hand, to change a simple habit in your life, a decade may seem quite small. Long Term, therefore, is a relative term in life. But it is not so in equity investments. Whether it is mutual funds or stocks, we can define Long Term quite precisely, clearly and objectively - with logical data points.

Let us see how.

The Magical Happiness Formula.

While in school, we studied numerous formula. Things were easier to analyse and control, when defined by a formula. Knowing a formula tells us what we need to change in one of the inputs to cause an impact on the output. 
Imagine how beautiful our life could be, if Happiness also had a defined formula and if we precisely knew the factors it depended upon.  It will all be so easy and logical if we knew what needs to be changed to increase the Happiness content of our lives. So, here we go. Let's learn the Magical Happiness Formula.