Articles by Prof. Bajaj

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  Prof. Bajaj    11 February 2019 at 13:28

Harish : I don't know where is my life going these days !! I am just running around all the time. Not getting time for myself or family. Niraj : Ohh…that's something serious. Take a deep breath and tell me what happened ? Harish : I get up in the morning , go through all the whatsapp di..

Posted in Professional Resource  2 comments |   1773 Views

Hemant :My life is so messed up these days that even Google is not able to answer my question. Niraj :Why, what Happened Hemant? Hemant :Arre yaar, When I am confused about a question, I try asking it to Google, it gives so many answers, I get further confused. Niraj :Ok. May be you aren..

Posted in Professional Resource  3 comments |   1240 Views

Niraj: Hey Anurag, why do you look so tensed and depressed? Is everything alright? Anurag: What to say Niraj !! There is no humanity left in this world. Niraj: Really ?? Why do you say so? Anurag: As you know we are approaching March end, my Banker approached me to buy s..

Posted in Shares & Stock  2 comments |   1356 Views

PowerBank and Retirement Planning

  Prof. Bajaj    01 May 2018 at 10:48

Akshay: Oh Come on Niraj, you always keep talking about retirement planning. My Grandparents, Parents never planned their retirement and they managed decently. Why is that I should be required to plan for my retirement? Niraj (Smiles): Ok. So do you use a PowerBank Akshay? Akshay:&nb..

Posted in Professional Resource  2 comments |   694 Views

Vaibhav : Yaar Niraj, you had said that 'Mutual Funds Sahi Hai'. But I am incurring losses in my Mutual Fund Investments. How does that happen? Niraj : That's surprising. How did you select the mutual funds? Vaibhav : Very Simple. I went to this popular xyz website and saw the l..

Posted in Professional Resource  12 comments |   3753 Views

Story 1: Year 1998 - Mr Alok Sharma had borrowed Rs. 4 Lakhs from Mr. Dinesh Patnayak. He promised to return it in 2 years and also promised to pay 12% interest p.a. on the same. However, Mr Sharma refused to pay after 2 years and after negotiating for 2 more years, Mr Patnayak decided to..

Posted in Professional Resource  8 comments |   1263 Views

Things you didn't know about NPS

  Prof. Bajaj    26 December 2017 at 11:34

'I am done with my 80C and 80D tax savings for the year. But still paying lot of tax.' Said Monisha, a 31 years old Software professional to her colleagues Akshay and Neha. Neha: Me too !! Is there a way out ?? Monisha: Of course NPS !! I have heard from many people that it i..

Posted in Income Tax  16 comments |   3449 Views

There could be a natural question, "Why Investment planning in new Financial year?" Well, rather than doing only tax planning in the last moment, its better to plan your investments from the beginning, so that it also takes care of your tax planning. The Changes in tax rules apply from 1st&nbs..

Posted in Professional Resource  2 comments |   2565 Views

Your Truth and My Truth !!

  Prof. Bajaj    07 April 2017 at 11:19

Mr. Mehta : XYZ is a fantastic fund. It has given me 21% returns p.a. Mr. Khanna : What are you saying ? I have the same fund, but it has given me only 5% returns. Bank Recurring Deposit (RD) would have been better. Mehta : How long have you been invested in it ? Khanna : I invested in it 5..

Posted in Professional Resource  1 comments |   1087 Views

Writing about the hottest topic could be a difficult job. Many things are already being “analyzed” and discussed all around. Since this space is among the favourite platform of its readers for Personal Finance, I will try and keep away from talking about the politicization of this mov..

Posted in Professional Resource  6 comments |   3684 Views

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