10 Points You should know about Bharat Bond ETF

10 Points You should know about Bharat Bond ETF

Close on the heels of RBI launching its platform, RBI Retail Direct, to facilitate retail investors purchase government securities, treasury bills and sovereign gold bond, the Union government has come up with its third tranche of Bharat Bond ETF issue opening for NFO subscription from 3 December 2021 and closing on 9 December. Thereafter you can buy or sell units of Bharat Bond ETF from stock exchanges.    If you are on the lookout for a safe investment instrument offering higher return and tax benefits compared to bank fixed deposits and at the same time having the liquidity of a stock exchange, bond ETFs …

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10 Things to know before buying a Health Insurance

10 Things to know before buying a Health Insurance

The amount of premium you pay for your health insurance policy should not be the only determinant for selecting a health insurance plan. Cheaper plans provide only a basic cover and may not offer all the features you need. In contrast, the more expensive ones may provide additional benefits which you may never use. Before you choose a Health Insurance Policy, you may consider the following pointers to select the most suitable option for yourself- • Individual Policy vs. Family Floater Plan – This covers all family members from children to senior citizens under a single plan. The cover floats on all …

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Looking to invest in G-Secs? Here’s What You Should Know

Looking to invest in G-Secs? Here’s What You Should Know

With all the buzz around RBI’s new Retail Direct platform, we are thrilled to cover government securities (G-secs) in this week’s blog. Through the RBIs retail direct platform, individual retail investors can now purchase G-secs directly from the RBI without the involvement of intermediaries. Before you go all-in with your G-secs investing spree, let’s understand G-secs and risk and returns you should be aware of. G-Secs are debt instruments issued by India’s central or state government via the RBI (Reserve Bank of India) to borrow money from the investors. This is a frequent source of fundraising by the government agencies to finance infrastructure …

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6 Points to remember while applying for an IPO

6 Points to remember while applying for an IPO

IPOs generate a lot of excitement whenever they are announced. With the Nykaa fever just behind us, you must be wondering if you missed the bus. Here’s what you should know about an IPO before applying for one the next time it’s announced.  1. Understand what an IPO is – It is a process whereby a privately held company offers its share to the public for the first time. It is also when promoters, angel investors, venture capital firms, and private equity firms typically sell their stakes.  You should look at major stakes in the company: who is exiting and what part of the money is being …

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3 points why is selling more important than buying in stock investments

3 points why is selling more important than buying in stock investments

Buy it and forget it. If this is the strategy you are following to make money in stock investment, think again. Stock markets do not go up in a straight line. In between scaling new highs, the market goes down to climb up again. This is where selling a stock plays a more important role than buying a stock. You might have heard the cliche — it is not timing the market, but the time in the market that is important. But consider the following examples. In the US, Mr X had bought six shares of Cities Service stock at a …

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Samvat 2077 gave a fabulous return. Will Samvat 2078 stay the course?

Samvat 2077 gave a fabulous return. Will Samvat 2078 stay the course?

Stock market investors have reasons to celebrate this Diwali with much vigor and enthusiasm. In the Vikram Samvat 2077 that began from 16 November 2020, the Sensex has till 19 October given a mind boggling 42.64% return! You also can join the party on 4 November if you have missed the bus before and soak your hands in stock dabbling on the auspicious moment of Muhurat Trading. However, pay attention to a note of caution. Since the Sensex scaled its lifetime peak of 62245.43 points on 19 October 2021, the index has climbed down more than 1000 points and is …

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Five Ways You Can Buy Gold This Dhanteras

Five ways you can buy gold this Dhanteras

It is three cheers for gold on the eve of Dhanteras in the 75th year of India’s independence. Between 1947 and 2021, the price of the precious metal has shot up from Rs 89 (per 10 gm) to Rs 48,300 — nearly 543 times! Gold is not only a safe haven investment while the stock market is running high and dry and inflation makes real returns from bank fixed deposits negative, the yellow metal is a very good tool for asset diversification that investment advisors often suggest.   Here are 5 ways you can buy gold this Dhanteras as a gesture of inviting good …

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25 Mantras for a Successful Investor

25 Mantras for a Successful Investor

Financial planning is easier if your philosophy of investment is clear. Here are 25 mantras every investor should keep in mind in order to make smarter investment decisions. 1) Equity is not the only asset class we have. 2) Mutual Fund is a way of investing, not an asset class.  3) Asset classes are differentiated based on the risk associated with each of them. 4) Gold is not something that we consume. We can love it; we can depart it too. It is an important asset class for investment. 5) Do not fall in love with any investment. Sometimes all of them deserve a profit …

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What You Should Know about NPS

What You Should Know about NPS

Many people now know about the National Pension System (NPS). Any Indian Citizen, aged between 18-70 can open an NPS account now. Earlier the ceiling was at the age of 65. Any Indian Citizen is allowed to open an NPS account, resident or non-resident (NRI). No joint holding concept exists in the NPS framework. There is no upper ceiling of money one can deposit in an NPS account.  There are some facts many people miss out on. Opt for the fund house of your choice  At present, There are eight pension fund managers who manage the pension fund under NPS for the public. They …

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5 Common Mistakes People Make about Retirement Planning

5 Common Mistakes People Make about Retirement Planning

Two decades away from retirement, when I was asked to save for my retirement goal, I was sceptical about it. All my life, I was ready to invest more money to save tax. I never gave serious thought to retirement, which seemed to be a far off agenda. Saving for the child’s future seemed a much more practical and high priority goal at that point.  We human beings never like to think of the obvious milestones in life. At some point in life, I will not be still earning! My activity level will slow down. My health will demand more support than ever! …

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