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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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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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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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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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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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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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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