All About SM REITs: Fractional Real Estate Investment is Here!

All About SM REITs: Fractional Real Estate Investment is Here!

Real estate has long been considered a cornerstone for wealth creation and portfolio diversification. However, for many retail investors, access to this lucrative asset class has been limited by high entry barriers, lack of transparency, and regulatory complexities. Recognizing this gap, the Securities and Exchange Board of India (SEBI) has taken a significant stride by introducing new regulations tailored for Small and Medium Real Estate Investment Trusts (SM REITs). The recent notification from SEBI regarding SM REITs particularly targets retail investors and aims to democratize access to high quality income generating real estate projects. In this blog, we delve into …

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How Much Money Do I Need to Save for Retirement? – A Guide

“How much money do I need to retire in India” – as we grow older, this thought appears in our mind every now and then. Retirement planning is the process that involves calculating the retirement corpus and building a strategy to achieve it. Estimating the retirement corpus accurately is important to ensure that you do not outlive your savings and save the appropriate amount. Your retirement corpus should help you meet your estimated inflation-adjusted expenses after retirement. Retirement corpus is the money you need to live a retired life without compromising on your standard of living. Why Retirement Planning is …

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Can I Withdraw From NPS Before My Retirement?

Are you considering making early withdrawals from your National Pension System (NPS), but feeling unsure about the rules and implications? Many individuals contemplate this option as they navigate their financial journey. Whether it’s for unexpected expenses or to meet any other financial goals, understanding the ins and outs of withdrawing from NPS before retirement is crucial. In this blog we will delve into the intricacies of NPS withdrawal rules, covering partial withdrawals from Tier I and Tier II accounts, conditions for such withdrawals, and premature exit options. NPS Partial Withdrawal Rules NPS offers two accounts – Tier I and Tier …

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Understanding Beneficial Nominee in Life Insurance

Understanding Beneficial Nominee in Life Insurance

Life insurance is a critical financial tool that offers protection and security to your loved ones in times of need. The payout from the insurer can help your family meet their essential expenses, critical goals like education, payoff liabilities, etc. Hence, having proper coverage is essential to build a solid financial foundation for yourself. If you are unsure of the amount of term cover you should buy for yourself, you can check this calculator here. Term insurance is the best way to go about life insurance due to its simple nature and low-cost structure. It is best to avoid mixing …

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Navigating Debt Mutual Funds: What You Need to Know Before Investing

Navigating Debt Mutual Funds: What You Need to Know Before Investing

Are you considering investing in debt mutual funds to diversify your investment portfolio and potentially earn steady returns? Or looking to invest for your short- or medium-term goals? Before you take the plunge into the world of debt funds, it’s essential to arm yourself with knowledge about how these funds operate and the risks involved. Debt funds offer a plethora of options (16 categories to be exact) catering to various needs, but understanding their intricacies is paramount to making informed decisions. From the dynamics of the NAV movement to the risks like credit and interest rate fluctuations, we’ll learn everything …

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Should you care about the Price-to-Earnings (P/E) Ratio of an Equity Fund?

Should you care about the Price-to-Earnings (P/E) Ratio of an Equity Fund?

For your direct equity investments, the Price-to-Earnings (P/E) ratio stands as a beacon, guiding you through the tricky waters of stock valuation. It helps you understand what other investors are willing to pay for one rupee of company’s earnings This simple metric can help you understand the expectation from a stock in the market and whether the stock is expensive or cheap. Yet, when it comes to equity mutual funds, should you give P/E the same importance and care or does it need a more nuanced evaluation, one that is different from the conventional wisdom surrounding individual stock valuation? The …

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Navigating Your Finances: DIY vs. Financial Advisor

Navigating Your Finances: DIY vs. Financial Advisor

Embarking on an exciting yet often intimidating journey of investing can feel like stepping into a web of possibilities. Whether you’re planning to invest 5,000 to 10,000 rupees per month or put your existing portfolio on a strategic path, the crucial decision between navigating this journey alone or taking the aid of a seasoned financial advisor looms large. In this blog, we delve into this decision-making process, aiming to equip you with the clarity necessary to plan a course aligned with your unique financial aspirations. While the allure of self-directed investing may hold a certain appeal, we shed light on …

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Interim Budget 2024 – How Does It Affect You

Interim Budget 2024 - How Does It Affect You

Finance Minister Nirmala Sitharaman presented the Interim Budget on 1st February 2024. Overall, the interim budget portrays a calm and controlled outlook focusing on stability & continuation of previous policies. However, there are some key announcements in the interim Budget 2024 that set the tone for the development of the country in FY 25. Budget & The Common Man: The interim budget 2024 gave no rude shock to the common man. No changes in the income tax slab. With the Lakhpati Didi scheme, the govt. It is all set to empower 3 cr rural women through Self Help Groups. The …

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What Are Exit Loads In Mutual Funds, and Why Should You Care?

What Are Exit Loads In Mutual Funds, and Why Should You Care?

Mutual funds are one of the most popular modes of investment. The charges associated with mutual funds are actually reasonably low. However, investors must keep the limited charges in mind while calculating the expected returns from a mutual fund. Exit load is one such charge that’s associated with mutual funds. Different mutual funds have different criteria based on which they set the exit load charge. In this article, we will learn about what exit loads in mutual funds are, how they are charged and how they affect the actual return from mutual funds. Let’s begin.   What Are Mutual Fund …

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The Power of Goal-Based Investing

The Power of Goal-Based Investing

Imagine sailing a boat without a destination in mind or a compass. Would you feel lost or unsure of where to turn or when to stop? Without a guide and proper direction, you would eventually end up nowhere, sailing endlessly for days. Your financial journey is not very different. Your financial journey benefits from having a clear destination which is where goal-based investing comes into play. In this blog we will discuss how goal-based investing can help you in various ways. Goals are tied to your personal circumstances and lifestyle. Defining goals can help you outline what you aspire for …

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Set-off & Capital Loss Carry Forward To Save Taxes: A Comprehensive Guide

Set-off & Capital Loss Carry Forward To Save Taxes: A Comprehensive Guide

As we gear up for 2024-25, it’s important that you know how you can utilise your losses in the best possible manner to save on taxes. The Indian Income Tax Act of 1961 has rules that let you reduce your tax liability by setting off losses against gains and carrying them forward strategically. In this guide, we’ll break down the details in an easy-to-understand way to help you make smart tax decisions. Understanding Different Incomes The Income Tax Act divides income into various sections. Whether it’s your salary, earnings from a property, business profits, gains from selling something (like a …

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Saving Money, Building Dreams: Practical Tips for Setting Financial Goals For a Prosperous Future

Saving Money, Building Dreams: Practical Tips for Setting Financial Goals For a Prosperous Future

In the bustling city of Kolkata, where life moved at a frenetic pace, there lived a young couple, Rahul and Priya. Both were ambitious professionals with dreams of a secure and prosperous future. However, despite their promising careers, they found themselves struggling to make ends meet at the end of each month. They found the paycheck disappearing faster than anticipated, leaving little room for savings or investment. It was a classic tale of living for the moment without having set any financial goals or even considering the future consequences. One day, as they were sipping chai at a local gumti, …

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Financial Planning Tips For a Truly Prosperous 2024

Financial Planning Tips For a Truly Prosperous 2024

It’s 2024! It seems like we have seen everything – from the pandemic to inflation and recession. From a financial point of view, the journey seems like a roller coaster ride. So, how should you approach 2024 in terms of financial planning so that it doesn’t feel like another bumpy ride? You can follow some financial management best practices to make your financial life in 2024 smoother – with minimal hiccups. In this blog post, let’s talk about six financial planning tips for 2024 that would make the new year a watershed year for your financial well-being. But before we …

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Should I invest in Stocks Directly or Via Mutual Funds?

Should I invest in Stocks Directly or Via Mutual Funds?

Navigating the investment landscape can be a daunting task. Where should I invest? And let’s say you have narrowed it down to equity. But a choice is to be made– should I buy stocks directly or just SIP it via Mutual funds? With all the stories on social media (true or otherwise) around exponential returns from stocks, one may be tempted to go the direct stock route, or those who have resonated with the “Mutual funds sahi hai” may favor the MF route. But what is the right way to invest? In this blog, we delve into the key considerations …

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Navigating the Peaks: What to Do When Markets Hit All-Time High

Navigating the Peaks: What to Do When Markets Hit All-Time High

As of writing this article, Nifty has breached the 21,000 mark while the Sensex is hovering around 70,432. The Indian stock market is at an all-time high! And this is when questions start arising in the minds of investors – Is it the right time to book profits? Should I invest more? Should I wait for a correction to invest more? And then there are regrets– I should have invested more. If I had invested in this stock, I would be sitting with a lot of gains. Of course, regrets may be the perfect recipe for all the wrong things …

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Mistakes To Avoid While Investing In Mutual Funds

Mistakes To Avoid While Investing In Mutual Funds

Janet Jackson has a memorable quote that states, “In complete darkness we are all the same, it is only our knowledge and wisdom that separates us, don’t let your eyes deceive you” It is becoming increasingly common for us to be lured into investing in stocks, mutual funds with expert comments and promises of unrealistic returns through print media and other social media. You’ll always have a mix of contradictory opinions and suggestions going on at once. It is better to have your relevant research to form your own decision based on the information you will gather from all the …

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How to Choose an ETF For Investment Goals: A Comprehensive Guide

How to Choose an ETF For Investment Goals: A Comprehensive Guide

Exchange Traded Funds (ETFs) are like a one-stop shop for investing, making it easy and affordable to invest in a diversified basket of securities. As more people get interested in ETFs, it’s important to know how to pick the right one for your goals. In this piece, we try to break down ETF investing for you. Now, before learning about how to choose an ETF for beginners, let’s talk about passive investing. Passive investing is about following an index– no active buy/sell decisions are taken by the investor. Passive investing can be achieved through vehicles like index funds or ETFs. …

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The Importance of Investing Early

According to Warren Buffet, “Money is not everything in life. Make sure you have made enough money before you say that.” Young people have so many plans for the future. A luxurious home, fancy car, iPhone 15 pro max, destination marriage, and many others. But, how many of them seriously think about retirement? How many seriously think about funding to fulfill their dreams of luxurious homes, cars, etc.?  In reality, we face many issues like increasing costs due to inflation, health issues, and loan EMIs which may deviate us from our dreams. The magnitude of the financial goals we set …

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Decoding Mutual Fund Taxes: All You Need to Know

Thinking about diving into the world of mutual funds? Awesome choice! But, before you jump in, let’s talk about taxes. Understanding mutual fund taxation helps you gain more from mutual fund investments by choosing the right funds and optimising your investments and withdrawals. Let’s break it down in simple terms. There are a few key things that decide how much tax you’ll owe on your mutual fund gains. Types of Funds: Different mutual funds have different tax rules. Whether it’s an Equity Mutual Fund, Debt Mutual Fund, or a Hybrid Mutual Fund, each has its own set of tax guidelines. …

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5 Ultimate Tips To Improve Your Credit Score

Are you planning to buy your dream home or pursue higher education at top international universities? Securing a sizable loan is a crucial step to taking the next big leap in your life. Here your credit score can make or break the game. But what is it, and how can you improve the score?   What is a credit score? And, What Is a Normal Credit Score For an Average Citizen?   A three-digit credit score determines the creditworthiness of a borrower. It is a measure of your financial health and discipline. The score is based on your credit history, …

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The Myth About Mutual Fund NAV

Investing in mutual funds can be a confusing journey, especially for those new to the world of finance. Among the myriad of terms and concepts you’ll encounter, one that often confuses many investors is the Net Asset Value, or NAV, of a mutual fund. It’s a number that seems to carry a lot of weight, but is it really as important as it appears? Understanding the NAV Misconception The Net Asset Value, NAV, is the per-unit market value of a mutual fund. NAV is derived by summing up the market value of all the securities held within the fund’s portfolio, …

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Financial Planning In The 30s

Financial Planning In The 30s

The age of 30 is like a crossroads. You are no longer too young, and again, you are not old as well. What you do in this decade will influence how resilient your financial posture will be in the latter part of your life. Again, sometimes, it is only in the 30s that people start earning meaningfully. Perhaps they are planning to marry now, or they are just newly married. On the other hand, their parents are getting older. Therefore, people in their 30s remain in a very critical stage of their life. They must have a robust financial planning …

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Investment Tips For Young Adults (Do’s & Don’ts)

Investment Tips For Young Adults (Do’s & Don’ts)

Time is the biggest asset to an investor. The longer the investment horizon a person gets, the bigger corpus he or she can build. This is why we always suggest young adults start investing as early as possible – irrespective of the investment amount. With this premise in mind, let us use this space to provide some practical and feasible investment tips for young adults. Investment Tips For Young Investors – The Do’s When it comes to investing in your 20s, there are some best practices that you should follow. Remember, we don’t know you. Use these tips, but tweak …

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4 Practices of Successful Mutual Fund Investors (The Last Point Is Important)

A Mutual Fund is a collective investment vehicle. It is a pool of investors’ money invested according to pre-specified investment objectives. Mutual Funds have a range of schemes that cater to the varying needs and preferences of investors according to their risk-taking ability and investment goal. How big the investment should grow will depend on the purpose (goal) it has to serve. If we can define our future needs, even approximately, we know how much we need to save and invest the savings to grow over time. We have to tune our investments to where we want to go, how …

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Life Insurance / ULIP vs. SIP: Making Informed Financial Choices

Life Insurance / ULIP vs. SIP: Making Informed Financial Choices

When it comes to securing our financial future, there are many investment options that come into play. One common dilemma investors face is whether they should continue their existing insurance policies or stop existing policies to start a much more popular option – a Mutual Fund SIP. Comparing Apples To Oranges? Life Insurance and SIP are two financial instruments that serve distinct purposes, yet many individuals find themselves at a crossroads, wondering which is better for their long-term financial goals. In this blog, we will explore the differences between Life Insurance and SIP, shed light on their respective pros and …

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What Is the Average Return on Mutual Funds in India?

What Is the Average Return on Mutual Funds in India?

We all talk about Mutual funds being “sahi” or correct. But how do you quantify the effectiveness of mutual funds? Of course, by calculating the returns generated by mutual funds in India. So, in this blog post, we will explore the average returns generated by Mutual Funds in India. However, as you know, there are many different kinds of Mutual Funds – from equity to debt to hybrid. Even equity funds can be further segregated in terms of index funds, multi-cap funds, flexi-cap funds, thematic funds, sectoral funds, etc. In this blog post, we will explore the average returns of …

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Best Investment Options For a Salaried Person

Best Investment Options For a Salaried Person

Are you looking to secure your financial future and achieve your long-term goals? Saving money every month is a wise financial practice that can pave the way for a prosperous future. Whether you’re planning for retirement, an emergency fund, your child’s education, or any other financial milestone, knowing the means to save money effectively is crucial. If you are a salaried person – enjoying stable cash flow every month, you must invest a portion of that amount. But where should you invest? In this blog post, we’ll explore 6 effective investment options for a salaried person in India. Mutual Funds …

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An Introduction to Technical Indicators

An Introduction to Technical Indicators

If you are here, you must be aware of technical analysis. Anyway, to brush up on the concepts, you can visit the first part of this blog series on technical analysis here. This is the second part, where we will be walking you through the concepts that facilitate technical analysis. What are technical indicators? The opening and closing prices of a stock are not just any random events. They represent the behaviour of the market participant and the price trend. Traders perform mathematical calculations using this price data to come up with insights about stocks.   Remember Although you will …

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An Introduction to Technical Analysis

An Introduction to Technical Analysis

Investing your hard-earned money in stocks requires a lot of research and a lot less guesswork. You cannot be shooting in the dark and expect to get profits. Every investor, seasoned or amateur, must be acquainted with the ups and downs of the stock market and securities. Thanks to different analytical tools, that is largely possible today. Technical analysis is a comprehensive method of analysing stocks. How? Welcome to the first part of the blog series on technical analysis. Let’s dig deep. What is Technical Analysis? Technical analysis is a stock analysis paradigm that involves finding patterns in stock charts …

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Crucial Collaborations: The Companies That Fueled The Chandrayaan-3 Mission

In a historic feat, India achieved yet another milestone in space exploration with the successful soft landing of Chandrayaan-3 near the lunar south pole. India became the fourth country in the world to successfully land on the moon and the 1st to land on the lunar south pole. This achievement not only solidified India’s position as a prominent player in space exploration but also highlighted the critical role that a few private sector companies played in making this mission a reality. Let’s delve into the crucial collaborations that powered the Chandrayaan-3 mission and acknowledge the companies behind its success.   …

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Understanding Fundamental Analysis & Financial Ratios- III: Financial Strength

Identify a Healthy Company Before Investing

Welcome back! We’re thrilled to present the third installment in our series of blogs delving into the captivating realm of fundamental analysis and financial ratios. If you’ve been following along, you’re already well-versed in the art of assessing a company’s valuation and profitability. Now, it’s time to unveil the next layer of insights as we embark on a journey to gauge the financial strength of companies. In this blog, we’ll equip you with the knowledge and tools needed to dissect a company’s financial health. Just as a physician examines various vital signs to determine the well-being of a patient, we …

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Understanding Fundamental Analysis & Financial Ratios- II: Profitability

Financial Ratios for Accurate Fundamental Analysis

Welcome back to the second instalment of our blog series on fundamental analysis! In our previous article, we delved into the world of valuation multiples and how they serve as invaluable tools for assessing a company’s overall worth. Now, armed with a foundational understanding of these metrics, it’s time to journey deeper into the realm of financial analysis. While valuation multiples provide a glimpse into a company’s market value, they are only a part of the comprehensive fundamental analysis puzzle. To complete the picture, we need to turn our attention to the company’s ability to generate profits, manage costs, and …

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PPF Vs Mutual Funds SIP

SIP VS PPF Returns

SIP (Systematic Investment Plan) and PPF (Public Provident Fund) are both very common financial instruments in India that serve different purposes and accommodate different investment needs. While talking about SIP vs PPF returns, it is important to keep the risk appetite, the time frame and the goals of investors in mind. Here’s a comparison of SIP and PPF and why both are important and should not be ignored: SIP (Systematic Investment Plan): SIP is a mode of investing  in mutual funds where one can invest a fixed (pre-determined) amount regularly (monthly) over a period of time. Through SIP an individual …

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Here’s How You Can Invest In US Stocks From India

Here’s How You Can Invest In US Stocks From India

Stocks listed in the United States stock exchanges have given phenomenal returns in the past decade.  As investors, we would love to invest in US stocks – especially in the technology sector – in order to take advantage of these high rates of return on investment. However, investing in NASDAQ stocks from India has not been easy. There were too many regulatory hurdles. But these hurdles have largely been removed thanks to the digitisation of the financial processes. It is now quite easy for an Indian to invest in overseas stocks. In the blog post, we will find out some …

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Understanding Fundamental Analysis & Financial Ratios- I: Valuation Multiples

Fundamental Analysis & Financial Ratios

There’s an old adage – “If you fail to plan, you plan to fail.” This is true in stock investing and stock trading as well. Investing in stocks entails multi-layered research and analysis, in which fundamental analysis is a crucial part. Fundamental analysis is a valuable tool for evaluating the financial health and performance of a company which involves assessing a company’s financial statements, profit, revenue, expenses, assets, and liabilities to determine its intrinsic value and potential for growth. This analysis can provide insights into the company’s current and future financial health and can help you make informed investing decisions. …

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Decoding Investment Options: Flexi-Cap Funds or Multi-Cap Funds?

With an abundance of investment options available, it’s essential to understand the nuances of different strategies and select the approach that aligns with your financial goals. Both Flexi Cap and Multi-Cap funds offer distinct advantages. In this article, we unravel the mysteries surrounding these investment styles, dissect their characteristics, and provide insights to empower you in making wise choices. So, let’s dive in and discover the perfect investment strategy that will lead you toward financial success. When it comes to investment decisions, you should tailor them according to your own risk appetite. Your unique financial goals play a crucial role …

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Unlocking the Potential: Exploring the Workings and Benefits of Index Funds

Unlocking the Potential: Exploring the Workings and Benefits of Index Funds

Whether you’re a seasoned investor or just beginning your journey, understanding how index funds operate and the advantages they offer is crucial for making informed decisions that can propel your financial growth. In this comprehensive guide, we will delve into the mechanics of index funds, demystify their complexities, and shed light on the remarkable benefits they provide to investors of all backgrounds. An investor should always choose his investment according to his Risk Profile and Goal. For short-term goals, you may go for Debt schemes, but for long-term goals, where your time horizons are at least 5 years, you have …

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List of Green Energy Stocks That Can Make Your Portfolio Future Proof

List of Green Energy Stocks That Can Make Your Portfolio Future Proof

Green Energy is the new buzzword reverberating across the entire world. However, this buzzword is grabbing the limelight for all the RIGHT reasons. At a time when the effects of climate change are being felt more and more intensely, it is necessary for vehicles, industries and even residences to adopt green energy and say goodbye to fossil fuels. Energy companies – old and new – have started catering to this newfound need for green energy. Many such energy companies are listed on the stock exchanges in India. With the government’s push towards the usage of green energy, investing in green …

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Liquid Mutual Funds and Their Benefit

Liquid Mutual Funds and Their Benefit

Liquid mutual funds offer a convenient and efficient solution to park short-term funds or emergency reserves for investors. These funds provide stability, liquidity, and potential for reasonable returns, making them an ideal choice for investors seeking short-term investment opportunities. In this blog, we will explore the concept of liquid mutual funds, their benefits, and key considerations for choosing the right fund for your needs. What are Liquid Mutual Funds? Liquid mutual funds are a category of mutual funds that primarily invest in short-term debt and money market instruments with a maturity period of up to 91 days. These funds focus …

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Is Ethanol Blending India’s Answer to the Energy Crisis?

Is Ethanol Blending India’s Answer to the Energy Crisis?

In 1932, economist Lionel Marshall identified one major economic problem – “resources are limited, but wants are unlimited.” With the world fighting a depleting natural resource crisis, these words have become a reality today. In the joint battle against the energy crisis, the Government of India is successfully contributing to energy independence and reducing the country’s reliance on fossil fuels. The path towards a greener and sustainable future is being fueled by ethanol blending, a technique that combines environment-friendly additives like ethanol with gasoline. Ethanol Blending: The Chemistry Behind It As the name suggests, ethanol blending is a process of …

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Should you continue your debt mutual funds after the change in taxation?

When investors adopt a narrow mindset focused solely on one aspect of the investment process, such as taxation or recent return trends, they inadvertently restrict their ability to see the bigger picture and achieve their ultimate financial goals, which often include wealth creation and meeting specific objectives. By fixating on taxation, you may prioritize minimizing your tax liabilities without fully considering the long-term growth potential of your investments or the suitability of the product itself. Similar is the case of this recent ruckus in the mutual fund space due to the changes in the taxation of debt mutual funds. In …

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6 Reasons Why You Should Prepare Your Financial Plan Today

6 Reasons Why You Should Prepare Your Financial Plan Today

In a world where financial stability is both a goal and a challenge, one thing is certain: you are going to have financial milestones and goals to reach, which makes planning paramount. Whether you dream of a comfortable retirement, pursuing your passions, or achieving personal milestones, having a solid financial plan in place can be the key to turning those dreams into reality. In this blog, we delve into the top 6 reasons why you should prepare your financial plan today, empowering you to take control of your financial destiny and build a life of security and abundance. Financial planning …

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5 Mistakes to Avoid When Filing Your Taxes This Assessment Year

5 Mistakes to Avoid When Filing Your Taxes This Assessment Year

Filing your taxes can often feel like navigating a labyrinth of documents, rules, regulations, and potential pitfalls. However, armed with the right knowledge, you can successfully steer clear of costly mistakes that could jeopardize your finances or even trigger a tax notice. In this blog, we will explore five common errors that taxpayers often make while filing their taxes, providing you with invaluable insights on how to avoid them. Whether you’re a seasoned taxpayer or a first-timer, this guide will empower you to ensure a smooth and stress-free tax filing experience. So, let’s delve into the five mistakes you need …

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Your Complete Guide to PPF: Renewal, Loan, Withdrawal

Your Complete Guide to PFF: Renewal, Loan, Withdrawal

In a world where financial security and stability are paramount, exploring investment avenues that offer both growth and safety becomes essential. Public Provident Fund (PPF), a popular and time-tested investment option that has been a trusted ally for individuals looking to secure their financial future. The Public Provident Fund, launched by the Government of India, has been a go-to investment choice for crores of people for over half a century. Individuals unable to be part of the EPF scheme can opt for PPF to save for retirement or meet other financial goals like child’s education or child’s marriage. Here’s a …

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Using the Investor Education & Protection Fund Platform To Claim Shares & Dividends

Using the Investor Education & Protection Fund Platform To Claim Shares & Dividends

Protecting the interest of investors is one of the primary objectives of SEBI and the government. They regularly come up with rules and regulations that ensure the financial safety of investors. Back in 2016, the government formed Investor Education and Protection Fund (IEPF) to further protect the interest of investors. The IEPF authority ensures that unclaimed shares, dividends, or debentures remain with IEPF until the rightful owners claim them. In this blog post, we will learn what IEPF is all about and how to raise a claim through the IEPF portal. What Is Investor Education and Protection Fund? The government …

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How do you select dividend-paying stocks?

Dividend stocks are a great way to build long-term wealth, providing you with a steady stream of income while also allowing you to benefit from potential share price appreciation. However, not all dividend stocks are created equal, and it’s not just about the dividend yields! With so many options available, it can be challenging and daunting to select the best ones or know where and how to start. In this blog post, we’ll share some tips and tricks to help you choose the best dividend stocks for your portfolio, ensuring that you maximize your returns and minimize your risks. So …

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Core Sectors In India And How They Impact Your Portfolio

Core Sectors In India And How They Impact Your Portfolio

Four or five months back, India was standing on the brink of a coal shortage. For a country like India, where 70% of the energy needs are met by coal, the looming shortage rang alarm bells across the country. But why did every industry across all the verticals panic? What’s so dangerous about coal shortage? It’s because the coal sector is a sector upon which most industries depend. No matter which industry a company is associated with, it invariably requires electricity to run properly. There are some industries – like the Aluminium industry – that will be forced to stop …

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Private Funding of Indian Railways to Develop 15 Stations Across India

Private Funding of Indian Railways to Develop 15 Stations Across India

Indian Railways is under the ownership of the Ministry of Railways, Government of India. This government-run organisation operates the world’s 4th largest National Railways System in the world. It runs about 13169 trains every day (long and short suburban routes), covering around 7325 stations all across the country. Now Indian Railways has planned for a massive overhaul of the entire collection of its operating networks – the stations (urban, suburban, and rural); platforms; locomotive coaches, and engines. This massive boost has been announced by the Government of India under “Make in India.” The railways have announced and identified 2 major …

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নতুন বছরে শুরু হোক লক্ষ্য স্থির করে বিনিয়োগ

নতুন বছরে শুরু হোক লক্ষ্য স্থির করে বিনিয়োগ

এসে গেল আরও একটা নতুন বছর। গত একবছরে কতটা এগোতে পারলেন? গুছিয়ে নেওয়ার কাজটা সেই কবে থেকে করবেন ভাবছেন! কিন্তু হয়ে উঠল কি? চিন্তা নেই! নতুন একটা লাইন টেনে জীবনটা আজ থেকেই বেশ গুছিয়ে শুরু করুন। নতুন খাতা, হালখাতার প্রয়োজন নেই। হাতের মুঠোয় মোবাইলই আপনার জীবনকে গুছিয়ে নিতে সাহায্য করবে। ব্যাঙ্কের অ্যাপ থেকে গত এপ্রিল থেকে মার্চ – কত খরচ হল দেখে নিন। সহজেই পেয়ে যাবেন। যদি ইচ্ছা হয়, তলিয়ে দেখুন, মাসের সাধারণ খরচ কত হল, ছেলেমেয়ের জন্য নিয়মিত খরচ কত, বছরে বিশেষ বিশেষ সময়ে কত খরচ করেছেন। আলাদা করে শুধু দেখে নিন, নিয়মিত বিনিয়োগের খাতায় কত গেছে। যেমন, মাসিক …

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Silicon Valley Bank Collapse: How the Wave Can Impact Us?

Silicon Valley Bank Collapse: How the Wave Can Impact Us?

“SVB was not just a bank; it was the lifeline for startups,” said the Chief Financial Officer of one startup on the social media platform Reddit. Now that Silicon Valley Bank (SVB) has been shuttered, not only is the money of the startups stuck, venture capitalist-backed startups will now find it difficult to raise capital. The entire startup funding ecosystem is under threat. But all this information concerns the startups in the United States. What about India? Will the collapse of the SVB negatively impact the growth of listed companies – especially those that depend on banking, financial services, and …

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ELSS কী? কেন এতে বিনিয়োগ করা ঠিক হবে?

ELSS কী? কেন এতে বিনিয়োগ করা ঠিক হবে?

ELSS বা ইক্যুইটি লিঙ্কড সেভিংস স্কিম এক ধরণের মিউচুয়াল ফান্ড। এই জাতীয় মিউচুয়াল ফান্ডে প্রাথমিকভাবে স্টক মার্কেট বা ইক্যুইটিতে বিনিয়োগ করা হয়। আয়কর আইন ১৯৬১-র ৮০সি ধারার অধীনে কোনও ব্যক্তি এই ELSS-এ বছরে ১,৫০,০০০ টাকা পর্যন্ত বিনিয়োগে কর ছাড়ের সুবিধা পান। এই স্কিমের মাধ্যমে বছরে সর্বাধিক ৪৬,৮০০ টাকা পর্যন্ত কর সাশ্রয় করা যায়। বেশিরভাগ ক্ষেত্রেই দেখা যায়, সাধারণ মানুষ বছরের শুরুতে বা জানুয়ারি মাস আসার আগে কর, বিনিয়োগ ইত্যাদি নিয়ে খুব একটা ভাবনাচিন্তা করেন না। অনেক দেরিতে তাঁদের ঘুম ভাঙে। অফিস থেকে কর সংক্রান্ত নথি জমা দেওয়ার ডাক এলে তখন তাঁরা জেগে ওঠেন। কিন্তু ততক্ষণে অনেকটাই দেরি হয়ে যায়। সেই …

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Personal Accident Cover: Why You Need It and How It Can Protect You from Financial Burdens

Personal Accident Cover: Why You Need It and How It Can Protect You from Financial Burdens

Like all of us, Nihar had so many dreams. But he dreamt not just about himself. He dreamt of seeing his loved ones happy, safe, and secure forever. Alas, all his dreams came crashing down when he met with a road accident a year ago. He lost his job. Now, Nihar has used up all his health insurance coverage and bank balance. He can no longer provide the best of everything to his loved ones. The smile on their faces is no longer there. “If only I had a personal accident cover,” – is what Nihar says to himself these …

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Getting The Most Out Of Your Interest Rate

Getting The Most Out Of Your Interest Rate

“To be, or not to be” – Shakespeare’s Hamlet contemplated this in the Elizabethan era.  Cut to the present era of consumerism – he would have definitely been pondering on whether “to borrow or to save” before purchasing his 3BHK apartment or the newest model of Mercedes-Benz!  The common factor between the two extremities of borrowing and saving is the Interest Rate, a force that works FOR you when you SAVE money and AGAINST you when you BORROW.  What are Interest Rates? In its simplest form, interest rates are the costs of borrowing money, usually expressed as a percentage of …

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The Retirement Planning Secrets No One Tells You About

The Retirement Planning Secrets No One Tells You About

Retirement is a significant milestone in life that many people look forward to. However, it can also be a source of stress and uncertainty if you’re not prepared for it. That’s why it’s essential to know the retirement secrets that can help you make the most of your golden years. In this blog post, we will discuss the top five retirement secrets that you aren’t supposed to know about. Retirement can be a stressful and uncertain time if you’re not prepared for it. Knowing these retirement secrets, you can be better prepared for your golden years. Thank you for taking …

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Holiday Planning Is All About Planning Your Cash Flow Wisely

Holiday Planning Is All About Planning Your Cash Flow Wisely

Life is all about experiences, whether good or bad, and traveling experiences are usually the good ones; at times, adventurous too! If you are a person who believes traveling is therapeutic and can help you rejuvenate, then this article is for you. Whether you are traveling solo or with your family or friends, planning your holidays is important to avoid last-minute mess. While most people love to travel, not all can do it that frequently because the money often becomes a constraint – when not planned properly. Therefore, it is important to plan your cash flows well in advance so …

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Education Loans: A Smart Investment or a Debt Trap?

Education Loans: A Smart Investment or a Debt Trap?

Pursuing higher education is expensive, and education loans have become a popular way to finance it. However, it is essential to consider the pros and cons of taking an education loan before deciding. In this blog, we will discuss the advantages and disadvantages of education loans and help you decide if it’s the right choice for you. What is an Education Loan? An education loan is a type of loan that helps students finance their education expenses, including tuition fees, accommodation, books, and other related expenses. Education loans can be availed from various financial institutions, including banks, NBFCs, and the …

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Compound interest is the eighth wonder of the world!

Compound interest is the eighth wonder of the world!

Compound interest accelerates your investments’ growth over time, along with balance expansion. It’s a tool that helps your principal grow fast as your interest earns interest, i.e., by adding the earned interest back into your principal balance and making interest on that. The growth of one’s investment balance would accelerate over time as one earns interest on an increasing basis. Numerous additional alternative intervals can be used in addition to the frequently used annually, quarterly, monthly, and daily compounding periods. The more frequently interest is compounded, the more rapidly your wealth grows over Time. Simple Interest vs. Compound Interest Simple interest and …

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Bioethanol Industry and the Union Budget

Bioethanol Industry and the Union Budget

Recently, the union cabinet approved amendments to the National Policy on Biofuels to advance the date by which fuel companies have to increase the percentage of ethanol in petrol to 20% from 2030 to 2025. Ethanol, or ethyl alcohol, is a hydrocarbon. When burnt, it can generate heat and power engines. The use of ethanol as a fuel for internal combustion engines is beneficial due to its environmental benefits (fewer emissions) and long-term economic advantages over fossil fuels. It can immensely help a country like ours which is heavily dependent on the import of fossil fuels. The policy of introducing …

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Healthcare and the Union Budget

Healthcare and the Union Budget

The 2023-24 budget incorporated some fundamental changes in the healthcare industry which are required to transform the sector. The Government has allocated a total of Rs. 89,155 crores in the 2023-24 union budget for the health sector. This allocation was an increase of around 13% over Rs. 79,145 crores allocated in the 2022-23 union budget. Out of the total planned healthcare expenditure in India amounting to Rs. 89,155 Crore, the Department of Health and Family Welfare would receive Rs. 86,175 Crore and the Department of Health Research would receive Rs. 2,980 Crore. Some Crucial changes announced for the healthcare industry: …

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Millet Industry and the Union Budget

Millet Industry and the Union Budget

For promotions and production of millets, the Indian government is working towards making India a global hub of Shree Anna. Shree Anna is another term for millets that was used by the finance minister and includes a variety of grains like Jowar, Ragi, Bajra, Srikut, Ramdana, Kangni, Kutki, Kodo, Cheena, and Sama. Millets are a group of small-seeded grasses that are cultivated and consumed as a staple food. The global market for millets is relatively small compared to other cereal crops such as wheat, rice, and corn. However, millets are gaining popularity due to their nutritional value, gluten-free nature, and …

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Urban Infrastructure and the Union Budget

Urban Infrastructure and the Union Budget

The union budget announced a capital outlay for infrastructure at INR10 lakh crore (3.3% of GDP). Significant urban infrastructure expenditures planned in the infrastructure and development budget 2023 have a multiplier effect across sectors and set a strong footing for resilient economic growth. Further, a dedicated amount of INR 10,000 crore per annum has been allocated through urban infra-development funds for tier II and tier III cities, which will result in quality urban infrastructure and a higher standard of living for citizens. This will also translate into higher demand for housing and commercial real estate. The urban infrastructure comprises drinking water, …

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Indian Railways and the Union Budget

Indian Railways and the Union Budget

Indian Railways is set to see a record capital expenditure (CAPEX) of Rs 2.6 trillion in the fiscal year 2023-24 (FY24). As you know, the railway budget has been merged with the Union Budget, this announcement in the Budget on February 1 would give a push to the massive infrastructure expansion lined up, and the government’s share would contribute around Rs 2.4 trillion to this — the highest ever. “This year is the highest ever outlay in the history of Railways — almost nine times the outlay made in 2013-14,’ the finance minister said. The Railways is targeting an operating ratio …

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Drone and the Union Budget

Drone and the Union Budget

Announcing the Pradhan Mantri Kausal Vikas Yojana 4.0, the Government announced to train lakhs of Indian youngsters in the next three years to enable them to take up industry-relevant skill training that will help them in securing a better livelihood. The scheme includes new-age courses for industry 4.0 in emerging areas like drones. Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is a scheme of the Ministry of Skill Development & Entrepreneurship (MSDE) implemented by the National Skill Development Corporation. Drones stocks in NSE and BSE are something that should be kept a close eye on after this development. In the last …

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EV Industry and the Union Budget

EV Industry and the Union Budget

The Electric Vehicle (EV) industry got the much-needed impetus in the union budget. In the Government’s push for green mobility, the customs duty exemption has been extended to the import of capital goods and machinery required to manufacture lithium-ion (Li-ion) cells for batteries used in EVs. This can help the domestic players boost their manufacturing capabilities, make the market competitive, reduce vehicle costs, increase demand, and make the overall EV industry more efficient. This development is sure to boost EV stocks in India. There are many such stocks in the NSE and BSE that can turn out to be multi-baggers …

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5G and the Union Budget

5G and the Union Budget

The union budget had focused on realizing new opportunities, business models, and employment potential from the 5G technology. In that direction, the Government has declared the construction of 100 5G labs. The labs will focus on developing applications for use in areas such as smart classrooms, precision farming, intelligent transport systems, and healthcare. 5G is a new global wireless standard after 1G, 2G, 3G, and 4G networks. 5G enables a new kind of network designed to connect virtually everyone, including machines, objects, and devices. A 5G Lab works with startups, academia, and enterprise teams to build a 5G-powered world. Apart from …

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AI, IoT, Robotics, and the Union Budget

AI, IoT, Robotics, and the Union Budget

India is to set up three centers of excellence for Artificial Intelligence in top educational institutions. The Government also plans to partner with leading industry players to conduct interdisciplinary research and develop cutting-edge applications and scalable problem solutions in the areas of agriculture, health, and sustainable cities. Artificial intelligence leverages computers and machines to mimic the problem-solving and decision-making capabilities of the human mind. The artificial intelligence of things (AIoT) is the combination of artificial intelligence (AI) technologies and the internet of things (IoT) infrastructure. It’s Now Time To Look Out For The Best AI Stocks In India The union budget also included the …

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Budget and the Tourism Sector

Budget and the Tourism Sector

India is estimated to contribute USD 250 billion to its GDP from Tourism and create 137 million jobs in the Tourism sector. The tourism industry will also contribute to more than 56 billion USD in Foreign Exchange Earnings, and 25 million foreign arrivals are expected to be achieved by 2030. In FY20, the tourism sector in India accounted for 39 million jobs, which was 8.0% of the total employment in the country. Time To Look Out For Top Hotel Stocks In India In line with promoting this industry, the Government launched the ‘Dekho Apna Desh’ campaign back in December 2019 …

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Old Tax regime or New Tax regime?

Which is better after the budget? Old v/s new tax regime.

“Which is better, the old tax regime or the new tax regime?” This is the question that people have been asking since 2020. Budget 2023 made some important tax changes for middle-class taxpayers applicable from the Financial Year 2023-24. The old tax regime wasn’t touched, while the new tax regime saw quite a few changes. Changes were made to the tax slabs, the rebate was tweaked, and more. The budget has left more questions for taxpayers on what they should opt for while filing their taxes. In this blog, we look at which tax regime is more advantageous, what has …

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The tale of Union Budget & Green Farming

The tale of Union Budget & Green Farming

Last Wednesday when finance minister Nirmala Sitaraman presented the union budget, “Green Growth” was the prime focus. “We are implementing many programs for green fuel, green energy, green farming, green mobility, green buildings, and green equipment, and policies for efficient use of energy across various economic sectors,” said Mrs. Sitaraman as she read out the budget. Thanks to this announcement, organic farming stocks in NSE and BSE are likely to see some movement in the near term. For farmers, it meant green farming through the use of natural fertilizers and organic methods of farming. The Government plans to support over …

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What did the budget have in store for the Green Hydrogen Industry?

What did the budget have in store for the Green Hydrogen Industry?

What is the Green Hydrogen Mission? The objective of the Green Hydrogen Mission is to make India the Global Hub for the production, usage, and export of Green Hydrogen and its derivatives. This will contribute to India’s aim to become self-reliant through clean energy. The Mission will also lead to significant decarbonisation of the economy, reduced dependence on fossil fuel imports, and enable India to assume technology and market leadership in Green Hydrogen. You can check out the entire explainer here. With the push for the adoption of this clean energy, Green Hydrogen stocks in India are likely to see …

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Cut-Off Timing Rules for Mutual Funds Transactions: Why You Need to Know Them

Cut-Off Timing Rules for Mutual Funds Transactions: Why You Need to Know Them

In recent years, mutual fund investments have become increasingly popular among Indian investors. The flexibility, diversity, and potential for higher returns that mutual funds offer have made them a go-to investment option for many. One of the reasons for this growth in popularity is the increased awareness and education about mutual funds among the general public. Many investors now understand the benefits of diversifying their portfolio through mutual funds, which can mitigate risk and generate higher returns. Additionally, the availability of online platforms and mobile apps for investing in mutual funds has made it easier for individuals to access and …

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Don’t Leave Your Child’s Education to Chance: A Guide to Planning and Investing

Don't Leave Your Child's Education to Chance: A Guide to Planning and Investing

Every parent wants to give their child the best start in life; a solid education is a fundamental part of that. Planning for a child’s education can be overwhelming and confusing, with many options and decisions to make. And financing is a very crucial part of the various decisions you are likely to make as your child grows up. In this blog, we’ll explore the importance of education planning, how you can plan for your child’s education, and the various vehicles available to help you fund it. The importance of planning Some crucial points on why planning your child’s education …

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Is Your Money Safe in a Fixed Deposit? Here’s What You Need to Know

Is Your Money Safe in a Fixed Deposit? Here's What You Need to Know

Is fixed deposit safe? Fixed deposits have long been a popular investment choice for Indians. It is commonly used as a reliable way of generating regular income or the best place for stashing that extra cash. Cash that could be used if anything untoward happens or for the “big” expenses. FDs offer a secure way to save and grow your money, with the benefit of potentially higher returns than a traditional savings account. Recent events in the banking space, like in Yes Bank, PMC, and DHFL, also have investors questioning the safety of their money in a fixed deposit. Being …

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কীভাবে মুদ্রাস্ফীতির হাত থেকে সম্পদকে রক্ষা করবেন

কীভাবে মুদ্রাস্ফীতির হাত থেকে সম্পদকে রক্ষা করবেন

মুদ্রাস্ফীতি আজ সারা বিশ্ব জুড়ে মানুষের উদ্বেগের বিষয়। কারণ মুদ্রাস্ফীতি সম্পদের ক্রয়ক্ষমতাকে কমিয়ে দেয়। সম্পদ রক্ষার প্রয়োজনের কথা ভেবে মানুষ প্রতিনিয়ত মুদ্রাস্ফীতির বিরুদ্ধে লড়াইয়ের প্রচেষ্টা চালিয়ে যাচ্ছে। এক সময় ছিল বিনিময় প্রথা। মানুষ নিজেদের উৎপাদন করা খাদ্যশস্য ও অন্যান্য সামগ্রীর বিনিময়ে তাদের প্রয়োজনীয় খাদ্য ও বস্তুসামগ্রী জোগাড় করত। সভ্যতার এগিয়ে চলার সঙ্গে সঙ্গে সেই প্রথা বন্ধ হয়ে বিনিময়ের মাধ্যম হিসাবে চালু হয় মুদ্রা । আজ তা কড়ি-সোনা-রূপা-তামার পথ পার হয়ে সর্বজনগ্রাহ্য ছাপানো মুদ্রা। সম্পদের মধ্যে সবথেকে লিক্যুইড অর্থাৎ বিনিময়যোগ্য সম্পদ হল অর্থ। অর্থের মূল্য তার ক্রয়ক্ষমতা। আর একটা নির্দিষ্ট পরিমাণ অর্থের বিনিময়ে যখন আগের তুলনায় কম পরিমাণ পণ্য বা পরিষেবা …

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The 3 most important decisions you can make for your finances in 2023

The 3 most important decisions you can make for your finances in 2023

A lot of things can be on your mind on the eve of the New Year. Thank the internet and the media for flooding hundreds of things you can change and resolutions you can take. It can surely be motivating. To keep things simple and not overburden your mind, we have decided to list just three simple things you can do better about your finance. Yes, just three simple things to start with and make a material change in your financial life. Check your liquidity: How you will handle a financial emergency can say a lot about your financial fitness. …

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5 Terms You Must Know About Your Health Insurance

5 Terms You Must Know About Your Health Insurance

Health insurance is the basic foundation of a sound financial plan. A health insurance policy can help you cover the costs of medical surgeries, expenses, and other procedures. With a comprehensive health policy in place, your overall planning can largely stay unaffected as unexpected medical bills can be covered or reimbursed by health policies. With the rising medical inflation, the cost of surgeries and procedures in India is rising. Hence, health coverage is a necessary step you should be taking toward your finances. Moreover, buying a policy isn’t sufficient if you do not give the time to understand it. Knowing …

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How to store your financial documents safely?

How to store your financial documents safely?

To store or not to store is the big question…. that everyone, especially the earning members of our society, has to face regularly to keep their records correctly updated for future reference. Often, we misplace some essential documents when we require them the most or cannot remember where we have stored them, which results in stress and anxiety. As we have seen from our childhood, our parents and grandparents used to (still do!) have these big steel almirahs (Godrej). It was used to store various files and folders– loads of papers, small, big, and large ones. Once a year, they …

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When should one buy a life cover?

When should one buy a life cover?

Have you bought life insurance yet? If yes, that sounds wonderful. You have made the best decision of your life. But why did you get it? Did you buy the policy because you were told it is the best thing one should do or something one should get early? Or was it the tax savings part that persuaded you? If not any of them, was it the “returns”? I hope your decision was not based on “returns” or tax savings. Life insurance is not and shouldn’t be bought for those reasons ever. In this piece, we shall see why you …

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Three Investment Tips for Young People

Three Investment Tips for Young People

With the increasing reach and volume of information readily available online, it isn’t very hard for youngsters to keep pace with the various investment opportunities available in the market. And even with the uninitiated, a general awareness of the benefits of investing or keeping a part of income aside is likely to be found. Investment Guide For Young People Contrary to popular belief, investing isn’t just about how many times you multiply your wealth or the colossal returns you are able to generate. Those are important considerations for any investor, but your investing experience is most likely to improve if you invest …

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