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TheWealthWisher (TW2)

Financial Planners I Online Financial Planner in India I Wealth Manager I Personal Finance Advisors I NRI Investments I NRI Wealth Management I NRI Financial Planning I Online Investments I Direct Plan Mutual Funds

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  • How to Save Yourself from Share Market Frauds

    How to Save Yourself from Share Market Frauds
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  • COVID 19 Impact on Finances of NRIs

    COVID 19 Impact on Finances of NRIs
  • Should I Stop SIP – Never (Why?)

    Should I Stop SIP – Never (Why?)
  • Union Budget 2020 Impact on Tax/Investments

    Union Budget 2020 Impact on Tax/Investments
  • Bharat Bond ETF – Complete Details

    Bharat Bond ETF – Complete Details
  • Changing Name in Mutual Fund Investments

    Changing Name in Mutual Fund Investments
  • Retirement Planning for NRI (Full Details)

    Retirement Planning for NRI (Full Details)
  • Recession in India… R U Investing in DEAD?

    Recession in India… R U Investing in DEAD?
  • What is Market? Decoding the Combined Term

    What is Market? Decoding the Combined Term
  • Impact on Investments When Status Changes “Resident to NRI”

    Impact on Investments When Status Changes “Resident to NRI”
  • Impact on Investments When Status Changes ” NRI to Resident “

    Impact on Investments When Status Changes ” NRI to Resident “
  • Crazy Me ? or It Is Media Bias? You Decide

    Crazy Me ? or It Is Media Bias? You Decide
  • Bharat 22 ETF Review Features Infographic

    Bharat 22 ETF Review Features Infographic
  • Domino Effect in Investments

    Domino Effect in Investments
  • What is Bubble in Investments?

    What is Bubble in Investments?
  • What Is DigiLocker? Benefits & Registration Procedure

    What Is DigiLocker? Benefits & Registration Procedure
  • Life Post GST: Pictures & Humor

    Life Post GST: Pictures & Humor
Patience & Compounding

Understanding Patience & Compounding

Behavioral Finance

Budget 2026

Budget 2026 – Impact on Investments, Taxation & NRIs

More Posts from Financial Planning

Budget 2019 – Analysis for Investors & Taxpayers

by Madhupam Krishna

budget 2019, budget 2019 changes, budget 2019 clarifications, budget 2019 details, budget details

budget 2019

Piyush Goyal cuts the cake that Jaitley baked! Budget 2019, is an Interim Budget as our country goes for General Election in April-May 2019. But it did not lack the attention as it is a race to be popular among political parties. We must look at it in a more refined way. It is not wrongRead More

The Pain Point in Financial Planning: Budgeting

by Madhupam Krishna

budgeting and planning, budgeting in financial planning, budgeting techniques, budgeting techniques and strategies, family budget

budgeting techniques

Any Financial Planner, before starting his calculation is eager to know how much you earn and SPEND. All of us know what we earn … but spending… not so easy for most of us. The reason is we don’t make or take interest in Budgeting. We lack Budgeting Techniques. Budgeting is the pain point inRead More

Concept of Nominal Returns Vs Real Returns

by Madhupam Krishna

CAGR, real returns, total returns

nominal returns vs real returns

The Real Returns are different from the rates advertised. This is due to implications of cost, inflation & taxes. One must understand concept of nominal returns vs real returns to optimize his returns. Post tax, fees & inflation is the correct measure to understand total returns.Read More

2018 Review – A to Z – Fun, Laughs & Lessons

by Madhupam Krishna

What went good, what was bad – Let’s welcome 2019. A 2018 Review of learning & lessons – Through Alphabets. Want to be a Zillionaire? Read at the end – How You can be ONE (Fun) 2018 Review A Asset Liability Mis-match (ALM) – New Word Yes Institution too did what “poor joe” does. EarnRead More

What is Double Tax Avoidance Agreement (DTAA)

by Madhupam Krishna

Double Tax Avoidance Treaty, DTAA, Tax Residency Certificate

double tax avoidance agreement

Double Tax Avoidance Agreement or DTAA is a very good mechanism to minimize tax. Here is the meaning, details, scope & implication of DTAA.Read More

Mutual Fund Taxation in India – More Details

by Madhupam Krishna

mf taxation, tax on dividend in mutual funds, TDS in mutual funds

mutual taxation in india

Beyond the tax rates for there are certain more details and benefits under mutual taxation in India. Details & explanation follows in this article.Read More

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Recent Posts

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Story Behind TW2

Madhupam Krishna

Madhupam Krishna

I am 16 years plus professional in Personal Finance. I am Financial Planner who is engaged in Financial Planning & Wealth Management. I am a SEBI Registered Investment Advisor (RIA) managing investors wealth

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WealthWisher Financial Advisors (Also referred as The wealthwisher.com or TW2) is an Advice platform, where we help an individual, managing personal finance in easy and smart manner & taking informed decision . The person managing WealthWisher Financial Advisors Mr. Madhupam Krishna is a SEBI registered Advisor. Post advise, one can execute transactions with your banker, stock broker or agent/ financial intermediary. We also offer transaction services through various associations, at a substantially lesser cost to our clients, as compared to other financial intermediaries, so that you start your financial plan with savings. WealthWisher Financial Advisors may earn commission or distributor incentives for providing transaction services or referring customers with third party service providers as per customer’s agreement. Our recommendations rely on historical data. Historical/ past performance is not a guarantee of future returns. The information and views presented here are prepared by WealthWisher Financial Advisors. The information contained herein is based on our analysis and upon sources that we consider reliable. We, however, do not vouch for the accuracy or the completeness thereof. This material is for personal information and we are not responsible for any loss incurred based upon it. This document is solely for the personal information of the recipient. The products discussed or recommended here may not be suitable for all investors. Investors must make their own informed decisions based on their specific objectives and financial position and using such independent advice, as they believe necessary. While acting upon any information or analysis mentioned here, customers may please note that neither WealthWisher Financial Advisors nor any person connected with any third party companies or service providers of WealthWisher Financial Advisors, accepts any liability arising from the use of this information and views mentioned here. Each recipient of this document should make such investigations as they deem necessary to arrive at an independent evaluation of an investment in the securities of the companies referred to in this document (including the merits and risks involved), and should consult their own advisors to determine the merits and risks of such an action. Stocks in the equity portfolios are filtered at various levels. Initially, the stocks are filtered on the basis of the size of the company and the sector of the company. The company's fundamental parameters are tested using various parameters related to inventory days, employee cost, power cost, taxation etc. Finally, the volatility in the price performance as well as the future growth prospect is viewed and accordingly the stocks are classified in various portfolios. While building Mutual funds portfolio, factors like size of the funds, the historical performances (return) of the schemes, expenses ratio ,the sector in which the scheme invests and volatility are considered.
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