Team FeeOnly

Programmable currency: Ensuring donors money is used right

Banking, Governments, Mutual Fund, RIA / By /

Programmable currency can transform the way money is given and used by allowing it to be spent only for its intended purpose. Just as governments could ensure subsidies are used for food or education, individuals like Hema could send money coded specifically for school fees, guaranteeing its proper use without adding friction. With consent-based visibility and universal acceptance, this next step in India’s digital journey could combine trust, traceability, and dignity — empowering millions to give with confidence and impact

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Loan rates should mirror unfinished homes higher risk

Advice, Banking, Financial, Governments, Investments, RIA, Taxes, Uncategorized / By /

Rajesh and Seema’s ordeal with a stalled housing project shows how India’s home loan system masks the biggest risk in real estate — that under-construction projects may never be completed. Banks and buyers treat them like ready homes, offering or taking loans at the same rates despite far higher uncertainty. With weak enforcement of RERA safeguards, homebuyers are left exposed. Differential interest rates — lower for completed homes, higher for under-construction ones — would make risks visible, protect buyers, and push the housing finance system toward fairness.

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Notify draft rules making dealer liable for sold vehicle

Advice, Financial, Investments, Mutual Fund, Uncategorized / By /

Have you ever sold a car and signed a blank transfer form — did you know it could stay in your name for months and even end up as a terror tool, just like in the Parliament attack of 2001?
RCs often remain in the seller’s name while vehicles pass through multiple hands. If that car is in an accident, you may still be liable. Worse, it can be misused in crime — even terrorism — while the records still show you as the owner.
Other countries have solved this problem with simple processes. India’s draft rules of 2022 offered a clear solution: dealer authorisation, digital delivery intimation, and deemed ownership during possession. Yet three years later, these reforms remain unnotified.

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When compliance overwhelms, access to advice suffers

Fees, Financial, Investments / By /

The story of a visually impaired masseur exposes how compliance and mis-selling limit access to sound financial advice. SEBI’s accessibility rules, coupled with rising audit costs, add to the heavy burden on solo investment advisers. A review of regulations is needed to balance fiduciary standards with practical, proportionate compliance.

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Remove friction in fee payment for advice

Advice, Banking, Fees, Mutual Fund, RIA / By /

Abhilash dislikes selling mutual fund units monthly to pay his RIA.
MFD commissions are deducted automatically, but RIA fees need direct payment.
He suggests letting funds sell units and pay RIAs directly.
This keeps costs transparent, taxable, and investor-controlled.
Removing such friction can make quality advice widely accessible.

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Steadiness trumps aggression in investing

Investments, Personal Finance, Retirement / By /

📈 Steadiness trumps aggression in investing.

Too often, investors go hunting for the next big winner—like picking Virender Sehwag over Mr. Average. But investing isn’t a sport. You don’t need to be spectacular. You just need to be consistent.

This column argues for choosing steady, reliable returns over flashy, high-risk bets—helping you get close to your goal, consistently.

👉 Worth reading for anyone planning long-term goals like education or retirement.

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Why splitting FDs across banks doesnt add up

Financial, Personal Finance / By /

💡 Why splitting FDs across banks doesn’t add up?
Chasing slightly higher returns by spreading your fixed deposits across multiple banks might seem smart — but it can lead to a logistical and emotional mess. From redundant KYC formalities to poor service, mis-selling, and hassles for your nominees, the hidden costs outweigh the tiny interest gain.

As the PMC Bank case shows, even insured money may not be accessible quickly or with interest.

👉 A better alternative? Hybrid funds that balance safety, returns, and liquidity without the stress.

🔗 Read the full article to understand why:

Why splitting FDs across banks doesnt add up Read More »

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.