Author Archives: CA Amit Shah

MUTUAL FUNDS (Wealth Management)

Women and Financial Independence

This is based on the lives of 4 women I know personally who have been cheated by their husbands. I am not getting too much into the details, but all the 4 stories have had a pattern….

H and W get married…live well. Then the H turns and says “listen why do you not look after the family and be a housewife”. In some cases the wife said “I will stay at home” or the husband says “stay at home”.

So the 28 year old woman gives up her job and becomes a housewife. Great.

Then one fine day the wife finds out about the “other woman”. In one case it was after the “other woman” was pregnant.

Wrong? Right?

None of my business. I am not passing a value judgement. Just saying that the spouse who wants to separate plans in advance and changes all the assets to single name. The other spouse will not know about this. I have seen women changing (when they wanted to leave their husbands for a different guy), and have seen men doing it too.

So how do women keep their independence in place if they give up their careers for looking after the family?

Well. I do not know. I would suggest the following:

The wife should take a salary from the H to look after her house/ their house whatever you want to call it.

What should she do other than this? Make sure that she is a joint holder of the property in which they live or a house of equivalent value in a location where she would like to live.

She should make sure that her husband’s life insurance policies are in her control and she sees her name as a nominee. No compromise on that. She should also ensure that SHE has enough cash flow to pay the premium on HIS LIFE. Her life insurance does not matter – she would be dead for it to be claimed.

She should have some investments at least which are in her name – the H could be the nominee. Make sure that there is at least one bank account where the W is the single holder.

If the parents of the W are dependent on her then there should be some life insurance in which her parents are the nominee.

What about the kids? Well it is the parents responsibility.

I know of fathers who have said “I do not have money” for their kids education. Our maid pays for the children’s education. I have no clue why he does not contribute, but I hear from her that he does not and she has to bear the costs herself.

Think about your financial independence and the financial fidelity of your husband before you chuck the job….

SOURCE- Subramoney


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MUTUAL FUNDS (Wealth Management)

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MUTUAL FUNDS (Wealth Management)

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MUTUAL FUNDS (Wealth Management)



Today, both men and women need to plan for retirement. With rising inflation, goods and services have become really costly. If you struggle with bills today, how will you pay the bills after retirement, when you don’t have a job? So why do women need retirement planning? Women in India have a higher life expectancy than men. Married women are also generally 3-4 years younger than spouse.

There are chances, women can outlive their husbands by a decade. While men plan for their retirement, chances are they might have forgotten to keep sufficient money aside, if their spouse outlives them.

So women, this International Women’s Day, there is something important to do.

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MUTUAL FUNDS (Wealth Management)

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MUTUAL FUNDS (Wealth Management)

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Over 1.9 million file GST returns

As many as 19,42,354 taxpayers have till Wednesday filed returns for July under the new goods and services tax (GST) regime. Officers of the GST Network (GSTN), responsible for the information technology (IT) backbone of the GST, said they hoped 2.8 million more would do so by the deadline in the next two days.


Those who have filed returns constitute over 22 per cent of total assessees (8.7 million) under the GST regime. However, of the 8.7 million assessees, 2.2 million are yet to complete the migration process to the new indirect tax regime.


The GSTN, also managing the tax filing apparatus, has geared up the IT network to handle the rush, its Chairman Navin Kumar said. A last-minute rush caused the GSTN portal to crash last week, forcing the government to extend the deadline by five days to August 25.


Those who wish to claim transitional input tax credit can file returns by August 28.


Sudhir Singh, MD of Marg ERP, a solution provider for GST returns, said over 1.9 million filers was not really a big number, but the numbers would swell by the deadline. He added that his clients were finding it difficult to file returns.


Till August 21, Rs 42,000 crore had come in as taxes from 1 million assessees. The collection figure is expected go up substantially, with the number of filers touching nearly 2 million as of Wednesday.


These returns are not detailed ones. Those would be filed next month.


#CA Amit Shah & Co.

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