<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Finsmacks]]></title><description><![CDATA[Finsmacks]]></description><link>https://blog.finsmacks.com/home</link><generator>RSS for Node</generator><lastBuildDate>Tue, 08 Sep 2026 18:13:46 GMT</lastBuildDate><atom:link href="https://blog.finsmacks.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[To bond or not to bond with capital gains, that's the question]]></title><description><![CDATA[This is a blog to articulate options available to people who have Long term capital gains due to sale of residential property ]]></description><link>https://blog.finsmacks.com/post/to-bond-or-not-to-bond-with-capital-gains-that-s-the-question</link><guid isPermaLink="false">667415ed84b39317ad7340e2</guid><category><![CDATA[Government Bonds]]></category><category><![CDATA[Fixed Deposits]]></category><category><![CDATA[Mutual Funds]]></category><category><![CDATA[Planning]]></category><category><![CDATA[Taxation]]></category><pubDate>Thu, 20 Jun 2024 12:36:34 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_f50609568c18471dbf66f51d8c2334e0~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[The bond route to finding short term investment Opportunities with over 8% of annualized return...]]></title><description><![CDATA[A few months back, I decided to explore the secondary market for bonds, particularly Non-Convertible Debentures. I purchased some Shriram...]]></description><link>https://blog.finsmacks.com/post/the-bond-route-to-finding-short-term-investment-opportunities-with-over-8-of-annualized-return</link><guid isPermaLink="false">64ef0fe9d268086745a7e14c</guid><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Wed, 30 Aug 2023 17:05:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3d0c30_49668773965a40aaac101578cf9bcd46~mv2.png/v1/fit/w_512,h_512,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Pesky financial terms - Part I]]></title><description><![CDATA[I recently wrote a blog about achieving decent short-term returns with debentures and bonds. However, as I revisited my own writing...]]></description><link>https://blog.finsmacks.com/post/pesky-financial-terms-part-i</link><guid isPermaLink="false">64ef2fcf052528d025137397</guid><category><![CDATA[Finance 1-0-1]]></category><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Wed, 30 Aug 2023 14:23:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3d0c30_43acb1953e924fea8a8c8462c87a9b3a~mv2.png/v1/fit/w_512,h_512,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Decoding the "no-cost" EMI carrot...]]></title><description><![CDATA[Years ago, I bought a HP 7 inch slate with voice calling (Yes - HP actually made voice tabs in India for a very short, blessed time!)....]]></description><link>https://blog.finsmacks.com/post/decoding-the-no-cost-emi-carrot</link><guid isPermaLink="false">6469af2b431a7bbf92d1aead</guid><category><![CDATA[Credit Cards]]></category><category><![CDATA[Financial Habits]]></category><pubDate>Sun, 21 May 2023 06:42:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_81603e7e11a54f9c8d3f2f073e467630~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Invoice discounting (part 2/2) - how do we get in on the action?]]></title><description><![CDATA[I discovered the concept of invoice discounting when a then-colleague told me about a startup his ex-manager had founded. I got looking...]]></description><link>https://blog.finsmacks.com/post/invoice-discounting-part-2-2-how-do-we-get-in-on-the-action</link><guid isPermaLink="false">643796d8067db567c9637d17</guid><category><![CDATA[Alternate Investments]]></category><pubDate>Thu, 13 Apr 2023 08:51:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_3b6512e84f9b4998b2d17623d2e4cf30~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Invoice Discounting - say what? (Part 1/2)]]></title><description><![CDATA[When I was studying for my bachelor's degree (a very staid B.Com), there was a subject called "Banking". It was one that I do not have...]]></description><link>https://blog.finsmacks.com/post/invoice-discounting-say-what-part-1-2</link><guid isPermaLink="false">643435e67670bd15abe3b096</guid><category><![CDATA[Alternate Investments]]></category><pubDate>Tue, 11 Apr 2023 09:22:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_c162bf18cf274d9691ba949e1d65367e~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[RBI Retail Direct - Worth It?]]></title><description><![CDATA[A first hand experience of opening and using RBI Retail Direct and NDS-OM accounts]]></description><link>https://blog.finsmacks.com/post/rbi-retail-direct-worth-it</link><guid isPermaLink="false">6429a4e8b3ed96626f0c98b0</guid><category><![CDATA[Government Bonds]]></category><pubDate>Sun, 02 Apr 2023 17:04:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_325f4b3832677839556b38~mv2_d_6000_4000_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[LTCG gone on debt-funds. So what?]]></title><description><![CDATA[If you are (like I am) being blasted by emails, messages and content from Mutual funds, advisors and well-wishers about this being the...]]></description><link>https://blog.finsmacks.com/post/ltcg-gone-on-debt-funds-so-what</link><guid isPermaLink="false">6423bffb7dd0dbb1f282d19b</guid><pubDate>Wed, 29 Mar 2023 05:37:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_2f665b74b87a441997905d910cfb4bd7~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Tax loss harvesting - Last 4 days to go!]]></title><description><![CDATA[Tax loss harvesting is a perfectly legal, above board way of optimizing your tax payments on capital gains. Ideally, it should be done...]]></description><link>https://blog.finsmacks.com/post/tax-loss-harvesting-last-4-days-to-go</link><guid isPermaLink="false">64218d401e5ae1b7ea3f677e</guid><pubDate>Mon, 27 Mar 2023 13:00:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_e7102b40e8784067aeaff8bec617a18c~mv2.png/v1/fit/w_668,h_668,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[The RSU saga continues (Part 2/2) - Taxes and More]]></title><description><![CDATA[So I have the shares that vested and I now have shares sitting in your investment account in the US. What do we do now??? Let us assume I...]]></description><link>https://blog.finsmacks.com/post/the-rsu-saga-continues-part-2-2-taxes-and-more</link><guid isPermaLink="false">64207b11c55c4bfeb8be6b30</guid><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Sun, 26 Mar 2023 17:51:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_8bacabd808e446dab51cc4619e069ba7~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Managing RSUs from India : Understanding the basics - Part 1/2 ]]></title><description><![CDATA[When I first saw  "Restricted Stock Units" or RSUs in my compensation package, I felt like "I had made it", because it made me feel...]]></description><link>https://blog.finsmacks.com/post/managing-rsus-from-india-understanding-the-basics-part-1-2</link><guid isPermaLink="false">641eaff2076d9daf1e0a22da</guid><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Sat, 25 Mar 2023 09:20:43 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_d8a0a18074e64d75b0b49a28c53cefa1~mv2.jpg/v1/fit/w_711,h_720,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[A cheat-sheet for tax on investments ]]></title><description><![CDATA[Tax reckoner for investments from India on FDs, NCDs, Equity, mutual funds and more. ]]></description><link>https://blog.finsmacks.com/post/a-cheat-sheet-for-tax-on-investments</link><guid isPermaLink="false">6419981982e3a3a60faf8fc6</guid><category><![CDATA[Government Bonds]]></category><category><![CDATA[Mutual Funds]]></category><category><![CDATA[Fixed Deposits]]></category><category><![CDATA[Gold]]></category><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Tue, 21 Mar 2023 11:51:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_e049cda22b874cd4b7c13d4db29d1e9e~mv2.png/v1/fit/w_505,h_505,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[The Gold Route]]></title><description><![CDATA[I have been invested to some extent in gold, but not physical gold. To me, physical gold is not an investment but an expense since...]]></description><link>https://blog.finsmacks.com/post/the-gold-route</link><guid isPermaLink="false">64086081d4290d0bb59efe08</guid><category><![CDATA[Gold]]></category><category><![CDATA[Mutual Funds]]></category><pubDate>Wed, 08 Mar 2023 16:37:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_a25d32956a0a4ab391f8ad2adf73fa08~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[SIP vs Lumpsum (timing the market) - Part 2/2]]></title><description><![CDATA[Post the whole SIP vs lumpsum analysis, I wanted to see what the XIRR would be if I could (somehow) time my investment. Of course...]]></description><link>https://blog.finsmacks.com/post/sip-vs-lumpsum-timing-the-market-part-2-2</link><guid isPermaLink="false">6403fe85564fe6afdba08ddf</guid><category><![CDATA[Mutual Funds]]></category><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Sun, 05 Mar 2023 03:07:39 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_de9c5a85e0e5421fa5240087f21e17cc~mv2.png/v1/fit/w_590,h_592,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[The classic question: SIP vs lumpsum investments (Part 1 of 2) ]]></title><description><![CDATA[This is a standard question I always have regardless of how many articles I read. Everytime the market falls and subsequently picks up, I...]]></description><link>https://blog.finsmacks.com/post/the-classic-question-sip-vs-lumpsum-investments-part-1-of-2</link><guid isPermaLink="false">63fdd8ffe291b7909a3793b1</guid><category><![CDATA[Equity/Debt Markets]]></category><category><![CDATA[Mutual Funds]]></category><pubDate>Tue, 28 Feb 2023 11:50:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_7f457a041881466c879600ce2464a943~mv2.png/v1/fit/w_562,h_554,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Direct vs Regular funds ]]></title><description><![CDATA[Most people have SIPs running for equity. To SIP or not to SIP is a whole different analysis, but I do not want to divert my analysis...]]></description><link>https://blog.finsmacks.com/post/direct-vs-regular-funds-part-2-2-what-about-sips-in-equity</link><guid isPermaLink="false">63fc9fc31b2dbf8bef4e5dbe</guid><category><![CDATA[Mutual Funds]]></category><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Mon, 27 Feb 2023 12:35:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/691752_adb427ccbd514b6eaf20d983da6a3171~mv2.png/v1/fit/w_545,h_541,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[To will, or not to will... that is the question...]]></title><description><![CDATA[The idea of making my Will just makes me morbid. And it also is a touchy subject in most families, not just because it is associated with...]]></description><link>https://blog.finsmacks.com/post/to-will-or-not-to-will-that-is-the-question</link><guid isPermaLink="false">63fa281377963714ce05d713</guid><pubDate>Sun, 26 Feb 2023 02:01:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_c334e3faa3324a19a81a354fbfeb5b9e~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[PPF vs VPF - which one do I go for?]]></title><description><![CDATA[I apologize upfront for the dry nature of this blog post. I cannot do much about a topic which is actually very boring except make it...]]></description><link>https://blog.finsmacks.com/post/ppf-vs-vpf-which-one-do-i-go-for</link><guid isPermaLink="false">63f313ad1334a048fbfc9e06</guid><category><![CDATA[Provident Fund]]></category><pubDate>Sat, 25 Feb 2023 02:36:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3c299b3d7e004bb0902ef96c0a563fa1.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[Another to-do: Nominee update (and what a nominee is not!)]]></title><description><![CDATA[A few months ago I attended an online session with a lawyer on making a will. I will summarize that call seperately, but It broke one...]]></description><link>https://blog.finsmacks.com/post/another-to-do-nominee-update-and-what-a-nominee-is-not</link><guid isPermaLink="false">63f4a385bdd20f502cb25950</guid><category><![CDATA[Planning]]></category><category><![CDATA[Fixed Deposits]]></category><category><![CDATA[Provident Fund]]></category><category><![CDATA[Mutual Funds]]></category><category><![CDATA[Equity/Debt Markets]]></category><pubDate>Fri, 24 Feb 2023 13:12:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/ce5f5592ed274c8c8f3d95f82eaae9f3.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item><item><title><![CDATA[The infinite loop of auto-renewal a.k.a the cardinal sin of FD opening... ]]></title><description><![CDATA[Let me tell you a story. Long long ago, so long ago, noone knows how long ago - I opened a fixed deposit. Not sure why I needed to or...]]></description><link>https://blog.finsmacks.com/post/the-infinite-loop-of-auto-renewal-a-k-a-the-cardinal-sin-of-fd-opening</link><guid isPermaLink="false">63ea72f688fe4843d7beb731</guid><category><![CDATA[Fixed Deposits]]></category><pubDate>Tue, 21 Feb 2023 19:20:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_1767428b0a714fdfbd252c665397df13~mv2.png/v1/fit/w_1000,h_803,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Smitha</dc:creator></item></channel></rss>