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Aniruddha Bose

As an Editorial Consultant for BW Businessworld, Aniruddha writes independently on investor awareness, correct financial planning & investing practices and the impact of regulatory developments on the personal finance ecosystem. He holds an MBA with distinction from Oxford.

Latest Articles By Aniruddha Bose

5 Questions To Ask Your Life Insurance Advisor Before You Buy

Aniruddha Bose

If only we had a rupee for every time someone bought a Life Insurance policy without fully understanding its features, we'd surely be millionaires by now! The next time you decide to add to your Life Insurance portfolio, make sure you ask your Advisor these 5 questions before you sign off

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Should You Buy Or Rent A Home?

Aniruddha Bose

Do not rush into real estate as a leveraged investment right now. If you're buying as an end user, consider your unique life situation before singing up. Remember that a home loan is a long-term contract, and your equity in the property will build up at a snail's pace. A misstep could cost you heavily

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3 Ways To Turbocharge Your Retirement Savings

Aniruddha Bose

Be prepared for some bumps along the way, knowing fully well that equity markets are bound to outperform other asset classes in the long run

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How To Stop Living From Paycheck To Paycheck

Aniruddha Bose

If you're one of the many millennials who are living paycheck to paycheck, it may be time to take a break out of this pernicious and stress-inducing cycle

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Estimating The "Returns" From Your Traditional Life Insurance Policy

Aniruddha Bose

Do you hold a traditional life insurance plan that guarantees you certain benefits but doesn't directly show you where your money is invested, like a ULIP does? If yes, chances are that you won't have a valid answer to the seemingly innocuous (and important!) question - "what are the annualized returns that I can expect from this policy?"

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How To Use SWP's Smartly

Aniruddha Bose

A SWP strategy definitely trumps the approach of relying on unsteady, tax inefficient dividends for your monthly income

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3 Tips To Optimise Your ULIP Experience

Aniruddha Bose

Post reforms, many ULIP's have become worthy of your consideration. Make sure you assess fund performances, fund manager pedigree, as well as all associated costs before you sign up for one. Follow the three pointers detailed above for best results

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3 Things To Consider Before Investing Into International Funds

Aniruddha Bose

New investors could consider taking the SIP route and opting for the first category of funds, in order to take a more measured allocation to them

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The All-Weather Duration Fund

Aniruddha Bose

Launched in 2009, ICICI Prudential Long Term Plan has built up an impressive track record of predicting interest rate cycles, translating into a noteworthy since inception annualized return of 10.56%

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MCLR Demystified

Aniruddha Bose

In scenarios such as todays, where rates are projected to come down in the medium term, it certainly makes sense to select a shorter reset period so that the benefits of the reduced rates get passed on to you more quickly

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