Exploring Pros & Cons of NSCs

Exploring Pros & Cons of NSCs

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 …

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TDS on Property Purchase: What You Need to Know Before Buying one

TDS on Property Buying: What You Need to Know Before Buying one

Are you gearing up to buy a property? Exciting times ahead! Do you know that buying a property also means paying TDS to the Government depending upon the value and type of property? In this blog, we dive into what you need to know about TDS when it comes to buying a property. Why Do You Need to Pay TDS Upon Buying a Property? The purpose of TDS collection by the Government is to collect the tax when the income is generated and avoid tax evasion. It’s required to be deposited by the person making the payment. So, if you …

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How Quickly Can You Get Your Money Back From Mutual Funds? SEBI Stress Test Tells You The Answer

How Quickly Can You Get Your Money Back From Mutual Funds? SEBI Stress Test Tells You The Answer

Back in 2020, as COVID-19 raged, people started panic selling. In this chaos, one mutual fund AMC found it hard to keep up with this sudden surge in redemption. Six of its debt funds did not have enough liquidity! As a result, the fund house had to suspend redemption from and investment in these funds. The result? A lengthy legal battle between the fund house and the investors. It took three years for these funds to be completely liquidated.   SEBI Stress Test For Mutual Funds   What if something like this happens again? The latest directive comes on the …

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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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How Much Money Do I Need to Save for Retirement? – A Guide

“How much money do I need to retire in India” – as we grow older, this thought appears in our mind every now and then. Retirement planning is the process that involves calculating the retirement corpus and building a strategy to achieve it. Estimating the retirement corpus accurately is important to ensure that you do not outlive your savings and save the appropriate amount. Your retirement corpus should help you meet your estimated inflation-adjusted expenses after retirement. Retirement corpus is the money you need to live a retired life without compromising on your standard of living. Why Retirement Planning is …

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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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Understanding Beneficial Nominee in Life Insurance

Understanding Beneficial Nominee in Life Insurance

Life insurance is a critical financial tool that offers protection and security to your loved ones in times of need. The payout from the insurer can help your family meet their essential expenses, critical goals like education, payoff liabilities, etc. Hence, having proper coverage is essential to build a solid financial foundation for yourself. If you are unsure of the amount of term cover you should buy for yourself, you can check this calculator here. Term insurance is the best way to go about life insurance due to its simple nature and low-cost structure. It is best to avoid mixing …

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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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Navigating Your Finances: DIY vs. Financial Advisor

Navigating Your Finances: DIY vs. Financial Advisor

Embarking on an exciting yet often intimidating journey of investing can feel like stepping into a web of possibilities. Whether you’re planning to invest 5,000 to 10,000 rupees per month or put your existing portfolio on a strategic path, the crucial decision between navigating this journey alone or taking the aid of a seasoned financial advisor looms large. In this blog, we delve into this decision-making process, aiming to equip you with the clarity necessary to plan a course aligned with your unique financial aspirations. While the allure of self-directed investing may hold a certain appeal, we shed light on …

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