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Time Value of Money: A Key to Accelerating Your Path to Financial Independence

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Time Value of Money: A Key to Accelerating Your Path to Financial Independence

Imagine your employer paid you a bonus of Rs.1000 today. What can you do with it? You can buy essential things, or you can save or invest it. Now imagine that your employer says that the Rs.1000 that you have earned will be paid to you one year later. Will you be able to get the same value out of it when you receive it after a year? No. Here’s why… If you have Rs.1000 today, you can buy yourself a work wear for the amount. However, six months later, the same workwear might cost you more than Rs. 1000. …

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Why an Emergency Fund is Crucial for your Financial Security

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If life is a cricket match, not every ball is going to be easy. There will be yorkers, bouncers and googlies. The question is how prepared are you to handle these yorkers and bouncers? Take, for example, the story of Allie and Steve who worked in the same company. In 2022 when the couple had just had a baby, the company fired them. Imagine the kind of distress they would have been in if they had not saved for an emergency. Emergencies don’t knock at the door, they barge in. And the only weapon to fight these emergencies is liquid …

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How Budgeting Helped Arjun Take Control of His Finances

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How Budgeting Helped Arjun Take Control of His Finances

Allow me to introduce you to Arjun, a young professional who has just acquired his first job. The excitement of earning one’s own money and the newly acquired freedom to spend it as he saw fit was intoxicating. Arjun celebrated his new job: nice dinners, gadgets that he had hitherto eyed and bought, enjoying weekends out with friends. Pretty soon, the thrill started to wear off as reality started seeping in. Despite his salary, Arjun soon came to realize that meeting his most basic or unexpected expenses came from waiting for a paycheck. The piling of unexpected costs, with no …

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Achieve Financial Independence with These 7 Habits

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Achieve Financial Independence with These 7 Habits

For most people, financial freedom is something to be desired, but very few work toward it. It is not about amassing wealth; instead, it is about living a lifestyle that your finances can sustain and support in how you really want to live. To some, it may mean early retirement; to others, it could be being able to pursue your passion and not worry about the income that will be generated or just the ability to make choices without worrying about the money. The journey to financial independence may look overwhelming, but proper habits can help in building gradual financial …

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10 questions to ask yourself when investing in mutual funds

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10 questions to ask yourself when investing in mutual funds

Mutual funds are one of the best ways to invest in a disciplined manner at a lower cost and with professional management. It helps you invest easily in equities which is a solid recipe for long-term wealth creation. But with so many options out there, how do you really know which one is right for you? In this piece, we will at the 10 most important questions you should ask yourself before investing in any mutual fund scheme. What are my investment goals and time horizon? Goals help you define the duration of your investment and the amount you would …

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Bangladesh Crisis: And its effect among Indian Companies

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Bangladesh Crisis: And its effect among Indian Companies

The recent political upheaval in Bangladesh has sent shockwaves through the region, raising concerns about the stability and future of business operations for companies with significant stakes in the country. The ousting of Prime Minister Sheikh Hasina and the subsequent violent protests have left a trail of uncertainty, particularly for Indian companies that have a deep-rooted presence in Bangladesh. This article delves into the multifaceted impact of the crisis on Indian firms, examining both the immediate challenges and potential long-term consequences. The Immediate Impact on Indian Companies Indian companies with substantial operations in Bangladesh are already feeling the strain of …

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What are High Beta Stocks? Should You Invest in Them?

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Investing in the stock market comes with inherent risks and rewards. The general consensus is that a volatile stock is a risky bet, but at the same time it has the potential of generating higher returns. Now the question arises – what standard should we use to gauge whether a stock’s volatility is on the higher side or not. That’s where the Beta value of a stock becomes helpful. Read on, to know what high beta stocks are and whether you should invest in them. How To Calculate the Beta of a Stock Beta of a stock is calculated using …

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Understanding the Risk, Reward And Viability of Overnight Funds

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Understanding the Risk, Reward And Viability of Overnight Funds

Are you planning to start your investment journey but not sure what your risk appetite is? Or do you want to keep your quarterly bonus somewhere accessible before the next big Goa trip? Well, whatever maybe your financial plan, overnight funds may just be the right investment instrument for you. Why, you ask? This article has answers to all your questions. Read along to explore a new investment avenue perfect for different types of investors. What are overnight funds? Overnight funds are a short-term investment tool. SEBI refers to it as open-ended debt funds with a maturity period of one …

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Direct Tax Updates: What Changes For You After The Recent Budget

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Direct Tax Updates: What Changes For You After The Recent Budget

This recent Union Budget has brought in a spate of major changes in direct taxes, impacting every individual taxpayer and investor. Getting one’s head around the new tax regime to keeping oneself aware of the revision in the capital gains tax on equity shares, ETFs, and mutual funds—is crucial in comprehending their impact on your finances. This blog will break down all the key updates that you should be aware to stay ahead in the taxation game. The New Tax Regime What has changed? The tax slabs have been modified to increase more tax savings for individuals opting for the …

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Liquid ETFs, Returns and Their Uses: A Comprehensive Guide

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Liquid ETFs, Returns and Their Uses: A Comprehensive Guide

Exchange-traded funds (ETFs) have become an increasingly popular investment vehicle due to their flexibility, liquidity, and the variety of assets they can encompass. Among the various types of ETFs available, liquid ETFs are one of the less known ETFs that can have many use cases for investors. This blog will delve into what liquid ETFs are, where they invest, their safety, uses, and the taxation rules that apply to them.  What Are Liquid ETFs? Liquid ETFs are a type of exchange-traded fund that invests primarily in short-term, highly liquid money market instruments. They are designed to provide investors with a …

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