Srinivasan S R
Software Pro Turned Investment Advisor
Contact Srinivasan

Srinivasan is an accomplished software professional with over 27 years of experience, passionate about spreading financial literacy. He is the founder of SriNivesh, an India-specific personal finance blog.

He is primarily a Do-It-Yourself (DIY) investor who has used independent, unbiased tools and articles to manage his financial plan.The primary pillars of his approach are:

1. Have a clear vision of your financial life
2. Have SMART goals aligned to the vision
3. Develop a feasible plan to achieve those goals
4. Implement the plan based on data and without biased advice

He has shared his approach with young and experienced investors here.

After having advised his clients informally for a few years, Srinivasan applied for and received his registration as a SEBI Registered Investment Advisor. His fee-only advisory service is provided under the branding of SriNivesh Advisors and is available at srinivesh.in

Education: Master of Management Studies (BITS Pilani)
Investment advisor since: 2019 (1+ years)
Number of clients: 10+
Based In: Bengaluru

Services

  • Mutual Funds Advisory
  • Comprehensive Financial Planning
  • Insurance
  • Tax Planning
  • Equity Research
  • Government Savings Schemes
  • Corporate FDs

Recent Answers on DhanWise

I want advice/review on my mutual fund portfolio

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 15, 2019

Ankita:  It is great to know that you are investing Rs 10,000 a month. This can build a sizeable corpus for you, if invested well. Overall, your fund selection is g… ( more )

Ankita:  It is great to know that you are investing Rs 10,000 a month. This can buil… ( more )

How to handle lumpsum investment in equity mutual funds?

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 15, 2019

Prabhu - you have a great question.  And I am sure that a lot of people would love to have this problem - of having 50 lacs to invest in one go!I would first give a… ( more )

Prabhu - you have a great question.  And I am sure that a lot of people would love t… ( more )

Is LIC's new tech term plan better than other term plans of private insurers?

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 14, 2019

Mohammed - the simple answer is, Yes, this 'tech term plan' does look attractive and would be a serious challengers to the online term plans from private insurers. Howev… ( more )

Mohammed - the simple answer is, Yes, this 'tech term plan' does look attractive and woul… ( more )

What are annuity plans?

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 9, 2019

"An ‘Annuity’ is a (financial) product that provides a steady, periodic income, over many years,  to the buyer." This part of annuity makes it similar to a pe… ( more )

"An ‘Annuity’ is a (financial) product that provides a steady, periodic income, over … ( more )

What are some investment options to get an assured pension later in life?

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 9, 2019

Priyank, you are clear that you want a pension.  Let us look at the confusing usage of the term pension plan in India.  Below is an excerpt from my blog articl… ( more )

Priyank, you are clear that you want a pension.  Let us look at the confusing usage … ( more )

How to compute capital gains tax for redemption after doing SIP?

Srinivasan Software Pro Turned Investment Advisor
Answered Jul 9, 2019

Vishal,  first off, investing in mutual funds is not tax free after 1 year. There are many types of mutual funds and the gains are indeed taxed.  The table bel… ( more )

Vishal,  first off, investing in mutual funds is not tax free after 1 year. There ar… ( more )

What is a pure term plan?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 29, 2019

This is a good question. 'Term Plan' is a life insurance plan that is valid for a specific number of years. Hence the word 'term'.  In this plan, you pay a premium … ( more )

This is a good question. 'Term Plan' is a life insurance plan that is valid for a specifi… ( more )

Which LIC policy to invest in for guaranteed pension?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 29, 2019

Note: This response does not give the name of any policy, LIC or otherwise.Many people in India miss a very important factor about the structure of pension products in&n… ( more )

Note: This response does not give the name of any policy, LIC or otherwise.Many people in… ( more )

Please review my mutual fund portfolio

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 29, 2019

This response is on the corpus expectations, and not on the specific funds chosen.You are investing 18,333 per month. Even if we take a very generous assumptions of 15% … ( more )

This response is on the corpus expectations, and not on the specific funds chosen.You are… ( more )

How to earn monthly pension with Rs 5 lakh investment?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 26, 2019

I would give a response based on the limited information given in the question.  To set the context, 'pension' can mean different things to different people. The mo… ( more )

I would give a response based on the limited information given in the question.  To … ( more )

What should I do about Reliance AMC funds in my portfolio?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 23, 2019

Please note this important feature of the structure of a mutual fund.  The AMC (in this case Reliance AMC) only makes decisions regarding the investments of the fun… ( more )

Please note this important feature of the structure of a mutual fund.  The AMC (in t… ( more )

How to compute taxes for a freelancer?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 21, 2019

Note: This question is best answered by a tax expert or CA. If you are a resident of India, then  your income earned is taxable. There are specific exceptions to th… ( more )

Note: This question is best answered by a tax expert or CA. If you are a resident of Indi… ( more )

Is HDFC Life Sanchay Plus a good plan to invest in?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 18, 2019

I would provide a quick response.  All the investment-cum-insurance products are bad in both counts - they typically have very low insurance coverage and give subop… ( more )

I would provide a quick response.  All the investment-cum-insurance products are bad… ( more )

Investment advice for 21 year old

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 14, 2019

This is an excellent question.  A very brief intro to PPF has been given by one of the contributors. PPF: Fixed interest savings scheme offered by the Governme… ( more )

This is an excellent question.  A very brief intro to PPF has been given by one of t… ( more )

Is profit booking advisable for MF investments?

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 10, 2019

The simple, philosophical answer is NO. The term 'profit booking' is more appropriately used with direct equity. You can evaluate the implicit value of a stock to be Rs … ( more )

The simple, philosophical answer is NO. The term 'profit booking' is more appropriately u… ( more )

Tax saving under 80C - NPS vs ELSS vs PPF

Srinivasan Software Pro Turned Investment Advisor
Answered Jun 8, 2019

Before we get into the answer lets compare the 3 schemes, very briefly. It is difficult to describe all the features of ELSS, PPF and NPS in a single answer. So here is … ( more )

Before we get into the answer lets compare the 3 schemes, very briefly. It is difficult t… ( more )

Which is better for short term - high interest savings account or debt funds?

Srinivasan Software Pro Turned Investment Advisor
Answered May 22, 2019

This is a great question. The short answer is this: If your corpus is small (< 3 lacs) and if the time horizon is less than 3 years, it can be simpler to park the mon… ( more )

This is a great question. The short answer is this: If your corpus is small (< 3 lacs) … ( more )