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Emergency funds: Better ways to park your cash

Emergency funds: Better ways to park your cash

by | Sep 6, 2026 | Smartserve

Many people keep large sums of money in their traditional bank savings accounts. This practice brings peace of mind because the cash is completely safe and accessible at any moment. However, leaving lakhs of rupees sitting idle in a basic savings account for years...
Improving Mutual fund SWP

Improving Mutual fund SWP

by | Jul 21, 2026 | Smartserve

We know SWP from mutual fund is a great option for regular passive income. We did some tests to see if we can improve the SWP performance and below are the results… We ran a back test on Systematic Withdrawal Plan (SWP) on HDFC Flexi Cap Fund (Growth) for the...

FOR NRI’s: FCNR (Foreign Currency Non-Resident)

by | Jun 10, 2026 | Smartserve

FOR NRI’s:  FCNR (Foreign Currency Non-Resident) The RBI extended full hedging-cost support for banks raising three- to five-year FCNR(B) deposits till September 30, 2026. FCNR(B) deposits are foreign currency deposits raised by banks from non-resident Indians. Banks...

Digital Rupee – Potential Impact on black money

by | Dec 19, 2022 | Smartserve

The Reserve Bank of India (RBI) recently launched the pilot for its digital rupee — India’s very own digital currency. A central bank digital currency (CBDC) is a legal tender issued by a central bank in digital form. It is the same as a fiat currency and it is...
Goal Based Investment Planning

Goal Based Investment Planning

by | Jul 30, 2019 | Articles

Goal Based Investment Planning The first step in goal planning is to document the time line to goal. You goal can be Child’s education, marriage or your own retirement. It can also be a short term goal like a vacation or buying a car etc. Once you know the time line,...