Net worth & assets

How to value and track gold, property, deposits, equity, funds and provident fund balances in one place.

74 pages in this section.

Valuing gold holdings What gold holdings are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate a fami...
gold holdings on the family balance sheet How much of a family net worth should sit in gold holdings, what to net off against it, and how to tell whether the hold...
Turning gold holdings into cash Gold holdings are graded high liquidity: same day at a jeweller, one to three days for a loan against it. What that mean...
Keeping gold holdings on one family record Who owns what, where the papers are, and how to keep gold holdings visible to the people who would need to find them.
Valuing plots of land What plots of land are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate a fami...
plots of land on the family balance sheet How much of a family net worth should sit in plots of land, what to net off against it, and how to tell whether the hold...
Turning plots of land into cash Plots of land are graded low liquidity: months, sometimes years. What that means when a family actually needs money.
Keeping plots of land on one family record Who owns what, where the papers are, and how to keep plots of land visible to the people who would need to find them.
Valuing flats and apartments What flats and apartments are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate...
flats and apartments on the family balance sheet How much of a family net worth should sit in flats and apartments, what to net off against it, and how to tell whether t...
Turning flats and apartments into cash Flats and apartments are graded low liquidity: two to six months for a realistic sale. What that means when a family act...
Keeping flats and apartments on one family record Who owns what, where the papers are, and how to keep flats and apartments visible to the people who would need to find t...
Valuing fixed deposits What fixed deposits are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate a fam...
fixed deposits on the family balance sheet How much of a family net worth should sit in fixed deposits, what to net off against it, and how to tell whether the hol...
Turning fixed deposits into cash Fixed deposits are graded high liquidity: same day, with a small penalty on premature closure. What that means when a fa...
Keeping fixed deposits on one family record Who owns what, where the papers are, and how to keep fixed deposits visible to the people who would need to find them.
Valuing listed shares What listed shares are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate a fami...
listed shares on the family balance sheet How much of a family net worth should sit in listed shares, what to net off against it, and how to tell whether the hold...
Turning listed shares into cash Listed shares are graded high liquidity: sell today, money in the account within a day. What that means when a family ac...
Keeping listed shares on one family record Who owns what, where the papers are, and how to keep listed shares visible to the people who would need to find them.
Valuing mutual fund holdings What mutual fund holdings are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate...
mutual fund holdings on the family balance sheet How much of a family net worth should sit in mutual fund holdings, what to net off against it, and how to tell whether t...
Turning mutual fund holdings into cash Mutual fund holdings are graded high liquidity: one to three working days, longer for elss inside its lock-in. What that...
Keeping mutual fund holdings on one family record Who owns what, where the papers are, and how to keep mutual fund holdings visible to the people who would need to find t...
Valuing EPF and PPF balances What EPF and PPF balances are actually worth today, how to work it out, and the mistakes that quietly inflate or deflate...
EPF and PPF balances on the family balance sheet How much of a family net worth should sit in EPF and PPF balances, what to net off against it, and how to tell whether t...
Turning EPF and PPF balances into cash EPF and PPF balances are graded low liquidity: restricted until retirement, with limited withdrawals for specific purpos...
Keeping EPF and PPF balances on one family record Who owns what, where the papers are, and how to keep EPF and PPF balances visible to the people who would need to find t...
Valuing cars and two-wheelers What cars and two-wheelers are actually worth today, how to work it out, and the mistakes that quietly inflate or deflat...
cars and two-wheelers on the family balance sheet How much of a family net worth should sit in cars and two-wheelers, what to net off against it, and how to tell whether...
Turning cars and two-wheelers into cash Cars and two-wheelers are graded medium liquidity: days to weeks, at a price you will not enjoy. What that means when a...
Keeping cars and two-wheelers on one family record Who owns what, where the papers are, and how to keep cars and two-wheelers visible to the people who would need to find...
From here to ₹10 lakh in 5 years Building ₹10 lakh of net worth in 5 years takes about ₹13,258 a month at 9 percent a year. What that looks like, and wha...
From here to ₹10 lakh in 10 years Building ₹10 lakh of net worth in 10 years takes about ₹4,608 a month at 11 percent a year. What that looks like, and wh...
From here to ₹10 lakh in 15 years Building ₹10 lakh of net worth in 15 years takes about ₹2,199 a month at 11 percent a year. What that looks like, and wh...
From here to ₹10 lakh in 20 years Building ₹10 lakh of net worth in 20 years takes about ₹1,155 a month at 11 percent a year. What that looks like, and wh...
From here to ₹25 lakh in 5 years Building ₹25 lakh of net worth in 5 years takes about ₹33,146 a month at 9 percent a year. What that looks like, and wha...
From here to ₹25 lakh in 10 years Building ₹25 lakh of net worth in 10 years takes about ₹11,521 a month at 11 percent a year. What that looks like, and w...
From here to ₹25 lakh in 15 years Building ₹25 lakh of net worth in 15 years takes about ₹5,498 a month at 11 percent a year. What that looks like, and wh...
From here to ₹25 lakh in 20 years Building ₹25 lakh of net worth in 20 years takes about ₹2,888 a month at 11 percent a year. What that looks like, and wh...
From here to ₹50 lakh in 5 years Building ₹50 lakh of net worth in 5 years takes about ₹66,292 a month at 9 percent a year. What that looks like, and wha...
From here to ₹50 lakh in 10 years Building ₹50 lakh of net worth in 10 years takes about ₹23,042 a month at 11 percent a year. What that looks like, and w...
From here to ₹50 lakh in 15 years Building ₹50 lakh of net worth in 15 years takes about ₹10,997 a month at 11 percent a year. What that looks like, and w...
From here to ₹50 lakh in 20 years Building ₹50 lakh of net worth in 20 years takes about ₹5,776 a month at 11 percent a year. What that looks like, and wh...
From here to ₹1 crore in 5 years Building ₹1 crore of net worth in 5 years takes about ₹1,32,584 a month at 9 percent a year. What that looks like, and w...
From here to ₹1 crore in 10 years Building ₹1 crore of net worth in 10 years takes about ₹46,083 a month at 11 percent a year. What that looks like, and w...
From here to ₹1 crore in 15 years Building ₹1 crore of net worth in 15 years takes about ₹21,993 a month at 11 percent a year. What that looks like, and w...
From here to ₹1 crore in 20 years Building ₹1 crore of net worth in 20 years takes about ₹11,552 a month at 11 percent a year. What that looks like, and w...
From here to ₹2.5 crore in 5 years Building ₹2.5 crore of net worth in 5 years takes about ₹3,31,459 a month at 9 percent a year. What that looks like, and...
From here to ₹2.5 crore in 10 years Building ₹2.5 crore of net worth in 10 years takes about ₹1,15,208 a month at 11 percent a year. What that looks like, a...
From here to ₹2.5 crore in 15 years Building ₹2.5 crore of net worth in 15 years takes about ₹54,983 a month at 11 percent a year. What that looks like, and...
From here to ₹2.5 crore in 20 years Building ₹2.5 crore of net worth in 20 years takes about ₹28,880 a month at 11 percent a year. What that looks like, and...
From here to ₹5 crore in 5 years Building ₹5 crore of net worth in 5 years takes about ₹6,62,918 a month at 9 percent a year. What that looks like, and w...
From here to ₹5 crore in 10 years Building ₹5 crore of net worth in 10 years takes about ₹2,30,417 a month at 11 percent a year. What that looks like, and...
From here to ₹5 crore in 15 years Building ₹5 crore of net worth in 15 years takes about ₹1,09,965 a month at 11 percent a year. What that looks like, and...
From here to ₹5 crore in 20 years Building ₹5 crore of net worth in 20 years takes about ₹57,761 a month at 11 percent a year. What that looks like, and w...
From here to ₹10 crore in 5 years Building ₹10 crore of net worth in 5 years takes about ₹13,25,836 a month at 9 percent a year. What that looks like, and...
From here to ₹10 crore in 10 years Building ₹10 crore of net worth in 10 years takes about ₹4,60,833 a month at 11 percent a year. What that looks like, an...
From here to ₹10 crore in 15 years Building ₹10 crore of net worth in 15 years takes about ₹2,19,930 a month at 11 percent a year. What that looks like, an...
From here to ₹10 crore in 20 years Building ₹10 crore of net worth in 20 years takes about ₹1,15,522 a month at 11 percent a year. What that looks like, an...
From here to ₹20 crore in 5 years Building ₹20 crore of net worth in 5 years takes about ₹26,51,671 a month at 9 percent a year. What that looks like, and...
From here to ₹20 crore in 10 years Building ₹20 crore of net worth in 10 years takes about ₹9,21,667 a month at 11 percent a year. What that looks like, an...
From here to ₹20 crore in 15 years Building ₹20 crore of net worth in 15 years takes about ₹4,39,861 a month at 11 percent a year. What that looks like, an...
From here to ₹20 crore in 20 years Building ₹20 crore of net worth in 20 years takes about ₹2,31,043 a month at 11 percent a year. What that looks like, an...
What net worth actually measures Net worth is everything the family owns minus everything it owes, valued today. It is the only number that moves when yo...
Building a family net worth statement A family statement adds up across every member rather than stopping at one person's accounts — which is the only way it...
Assets vs liabilities, without the jargon An asset puts money in your pocket or could be sold for money. A liability takes money out until it is cleared. Most con...
Liquid vs illiquid assets Liquidity is how fast something becomes spendable cash without a discount. Indian households tend to be asset-rich and l...
Net worth by age: a sane way to benchmark Comparing your net worth to a stranger's is mostly noise. Comparing it to your own income, savings rate and stage of lif...
How often to update your net worth Quarterly is enough for most families, monthly if the market-linked share is large. Daily is a hobby, not a plan.
Should the home you live in count? It belongs on the statement and not in your retirement income plan. Both things are true, and treating them as one is a...
How much gold is too much gold? Gold is a hedge and a cultural obligation at the same time, which is why Indian households routinely end up with far mor...
Net worth vs savings rate Net worth tells you where you are. Savings rate tells you how fast you are moving. Of the two, savings rate is the one y...
Tracking net worth across family members A household where one person holds the loans, another holds the gold and a third holds the insurance does not have a net...