Category: Money Matters

PPF Vs Mutual Funds SIP

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

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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

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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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Liquid Mutual Funds and Their Benefit

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

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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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Your Complete Guide to PPF: Renewal, Loan, Withdrawal

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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

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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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Getting The Most Out Of Your Interest Rate

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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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Compound interest is the eighth wonder of the world!

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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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Old Tax regime or New Tax regime?

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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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