Are you on the lookout for a reliable investment avenue that provides stable returns while ensuring the safety of your hard-earned money? National Savings Certificates (NSCs) might just be the solution you’ve been searching for. In this article, we’ll delve into the pros and cons of NSCs to help you decide if they align with your financial goals. Pros of National Savings Certificates: Fixed and Assured Returns: NSCs offer a fixed rate of interest, providing investors with a predictable stream of income over time. It is backed by the Government of India. The assurance of the government backing makes them …

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 …

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 …

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 …

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 …

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 …