5 tips to assess the health of your wealth 

  If you have a well-diversified portfolio comprising stocks, mutual fund SIPs, NCDs, IPO, CFD, bonds, ELSS, and other instruments, it becomes vital for you to assess the health of your wealth. In this article, let’s quickly look at 5 tips to assess the health of your wealth.   Having a performance monitoring system matters…

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Peaceful Investing

“There was never a good war or a bad peace.”  – Benjamin Franklin History is witness, that an excessive state of flux, war, or excitement does very little good, and in matters as important as money, what we actually need is a little more peace. And while external factors will always exist, there are things…

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Wake-up and Smell the Coffee, Don’t Invest in the Can!

  Brands might be losing moats There is a school of thought which focuses on buying “moat companies” and holding them forever. This school of thought originates from an incomplete understanding of Warren Buffett’s value investing philosophy. Buffett has advocated buying “moat companies” or “great companies” at a “fair price” and holding them forever. Many…

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10 Books Every Investor Should Read in 2019

  One of the best ways to become a successful investor and a smart one at that is to pick up a good book written by an expert on investment and financial planning. We all need good investment guidance from time-to-time, regardless of how experienced we are in terms of investment. Guidance is all-the-more important…

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How Does A Mutual Fund Work?

  What is the first thing that comes to your mind when someone mentions mutual fund. It’s boring and complicated, but is it? Let’s find out. Let’s see how a mutual fund operates. Investors  like us pool in money to help form a mutual fund. An Asset Management Company (AMC) is appointed to manage the mutual…

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How has the Union Budget 2019-20 Turned Out?

On Feb 01, 2019, Union Budget for 2019-20 was presented by the Interim Finance Minister Mr. Piyush Goyal in the Parliament. In this article, let’s look at what the Budget has in store for India. The main focus of the government for this Union Budget was clearly on providing the agrarian economy of India the…

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Investment mistakes that you should not be making

Investment is a crucial part of your financial planning. However, wrong moves and mistakes can affect your long-term corpus that you are aiming to accumulate at the time of retirement.   In this article, let’s examine four investment mistakes that you better avoid for maximising your returns:     Haphazard financial planning This is one…

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Good ways of expending Rs.10000 month-end savings

When it comes to money, no amount is small. Thus, if you save Rs.10000 by the end of a month, you just can’t imagine how much scope you have to grow this into a bigger future corpus.     In this article, let’s explore four good ways in which you can expend your month-end savings…

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What are the best tax savings investment plans in India?

Did you know that tax savings and investment can go hand-in-glove in India? In fact, today, you can subscribe to most tax savings plans online. The Income Tax Act of India allows you to invest in many tax savings plans. However, here are the 4 best options, which you can definitely explore as an investor:…

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‘EEE’ status of NPS

Over the past few years, more and more Indian investors are finding the National Pension System (NPS) a beneficial long-term investment avenue. In fact, given that the government has decided to give NPS exempt-exempt-exempt (EEE) tax status, it will now become a much more attractive investment avenue, especially for the retail investors (non-government subscribers).  …

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Assembly elections and its impact on stock market

Election outcomes generally tend to draw dramatic reactions from the Indian stock markets. Markets on Monday, a day before the state elections, ended down 2% owing to the results of the exit polls, which hinted towards a losing streak for the ruling party at the centre. However, the benchmark indices, against popular opinion, closed in…

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How NRIs can invest in Indian mutual funds?

Over the past few years, especially since the Modi-led BJP government came to power, and given the rise in FDI inflows into India, NRI investment in India has become a hot topic. NRIs are beginning to consider India as a lucrative investment hub. Thus, they have begun investing in diverse asset classes. India has many…

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Light at the end of the tunnel is the market upswing visible?

Light at the end of the tunnel-Is a market upswing visible?

A month back it seemed like there was no end to the Indian market’s woes. The FPIs were pulling money out, crude oil prices were rising through the roof, the Rupee was falling without a bottom, inflation looked like it would keep increasing, there was speculation that the current account deficit and the fiscal deficit…

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What makes NCDs a highly attractive investment option?

Non-convertible debentures, popularly known as NCDs provided investors with the numerous advantages. Here are 5 of the major advantages they provide, which make NCDs a highly attractive investment option in India:   Higher safety of your principal invested Unlike corporate FDs, which are unsecured, NCDs that are issued by NBFCs are secured debt. This essentially…

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Key financial planning tips for travellers

Be it local or global, is there anyone in this world who doesn’t like to travelling and exploring different countries? Yet to find one! How many times have we all thought only if we had a little more money, you could have enjoyed your trip more. In simple words, money tends to distract us from…

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Credit rating illusion and the myth of safety in debt investing

The popular perception is that investment instruments in the form of debt or fixed income, such as, fixed deposits, bonds, debentures (NCDs), debt mutual funds etc. are safe. Whatever instrument has some form a coupon rate specified on its label is deemed safe, while any instrument which doesn’t specify a coupon on the label is…

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How can you make your first salary even more special?

Be it in a multinational, small business, or any company for that matter, first job and first salary hold a special place for all of us in our life. Can one ever forget the special moment when they received their first salary? It’s an emotional link that stays with you forever. Now, what do we…

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Here’s how a salaried couple can achieve their dreams through investment

A dream home, foreign vacations, world-class education for children, and secure retired life, that’s all married couples always ask for strive towards. Here’s how a salaried couple can achieve their long and short-terms dreams through proper investment planning:     Track where your money is going As a couple, you’re the ones who earned you…

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6 easy ways to manage your mutual fund portfolio’s performance

The first thing you look for as an investor when it comes to investing in mutual funds is the performance. That said, call it ironic or reality, more often, the mistakes made by investors with regards to mutual fund investments tend to track back to the investors’ incorrect assessment of the mutual fund portfolio’s current…

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3 major benefits of investing in NCDs

Non-convertible debentures (NCDs) are one of the best ways of diversifying your investment portfolio. They are becoming an increasingly popular investment instrument, especially given their secure nature. Following are 3 major benefits of investing in NCDs: Higher interest rates The interest rates provided by NCDs are much higher compared with the traditional bank fixed deposits…

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When The Going Gets Tough The Tough Get Going

The Sensex and Nifty are at all-time highs. However, most investors’ portfolios are not at all-time highs. Rather, a lot of investors are still feeling the pain of negative returns in their portfolios. Many might be puzzled as to why their portfolios are showing negative returns when the markets are at an all-time high?  …

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3 things investors should watch while investing in NCD

Non-convertible debentures (NCDs) are fast becoming a popular investment option for investors looking for long-term horizon. Compared with bank FDs, NCDs tend to offer better returns and much more. However, there are 3 vital things that you need to watch out before making your decision to invest your hard-earned money in NCDs. They are as…

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What makes NFO a good investment option to apply?

New Fund Offer (NFO) are mutual funds that manage your money. NFOs provide investors with a first-time subscription for a new investment scheme. This is a scheme launched by an AMC. Investors are soon beginning to utilise NFO as a highly profitable investment option. NFO is generally launched in the market by an AMC with…

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5 vital things you need to see in your NPS statement

PFRDA provides National Pension System (NPS) subscribers with a statement of transactions after the completion of each financial year. In this article, we will be showing you the details within your bank statement that you need to pay attention towards. These details are mentioned below:   Data pertaining to the subscriber One of the key…

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4 quick ways to plan for your expenses and investment if you’re just married

Congrats! You’ve now joined the married couple brigade. It’s time to celebrate. But, please note that marriage is a fundamental change for you and your wife. You are now responsible for planning the finances and investment for her and your future family. Therefore, celebrate your marriage now, but, start planning your expenses and investment from…

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4 key phases in financial planning

Financial planning is a very crucial process in everyone’s lives. You are no exception. However, we somehow find ways to make what is an easier process, look very tough. That’s why it’s crucial to understand the 4 key phases in financial planning to make the plan work effectively for you.     Phase 1: Evaluating…

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Tax exemption for angel investment in small start-ups is great news

On the angel tax front, start-ups can now start breathing a little easy with relaxation of taxes. Ongoing efforts of the government have meant that the Income Tax Department has kept small start-ups, which have the Inter-Ministerial Board of Certification approval, away from the angel tax net. This is a huge relief for these small…

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nse vs bse

What’s the difference between the NSE and BSE as an investor?

When we talk about the Indian stock markets, the two prominent names that come to mind right straight away are the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE). Therefore, in this article, we are going to discuss more about the major benchmark indices – Sensex and Nifty.     What is stock…

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NPS now allows private sector subscribers to opt for 75% equity investment

If you are a private sector subscriber of National Pension System (NPS), there’s plenty of good news in store for you. So, continue reading! PFRDA now allows private sector subscribers to opt for 75% equity investment. Moreover, PFRDA has also decided to allow partial withdrawals for skill upgrades and new businesses.     In a…

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Best NRI investment options in India

In India, over the past few decades, NRI investment has been a topic that has been very hot in the past decade, especially given the rise in FDI inflows into India. Over the past decade or two, more NRIs are looking to invest their funds in India in different asset classes. For investing a larger…

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3 things you need to know about your journey as a long-term investor

At ACMIIL, the first thing we tell our long-term investors is to carry on investing month after month in the markets, ignore market movements. This is for one simple reason – none of the movement is permanent, neither the ups nor the downs. In fact, the only thing that would be permanent is the long-term…

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Is your money sleeping in your bank account? It’s time to wake it up?

Given growing inflation, increasing standard of living, and growing aspirations, here’s one question you must ask yourself – is your money snoozing in your bank account? Agreed, bank accounts have traditionally been one of the best options for parking your savings. However, times have changed and so have economic dynamics. Inflation has become a huge…

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PFRDA eases norms for partial withdrawal under NPS

The norms for partial withdrawal under the National Pension Scheme (NPS) have been relaxed by the Pension Fund Regulatory Development Authority (PFRDA). PFRDA specified that a subscriber needs to remain subscribed to the NPS for at least three years from the joining date to be eligible for making a partial withdrawal as per the regulation.…

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Investing in mutual funds vs. direct equities

One of the top most questions that comes in each and every investor’s mind is among investing in mutual fund scheme or direct equity, what should he or she opt for? Let’s try to answer this question in this article. An equity mutual fund comprises a basket of stocks actively managed by a professional fund…

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10 COMMON MISTAKES MADE BY INVESTORS

1. No Plan? Many investors take investment decisions without any long-term financial plan in mind. A long-term plan is based on life goals, assets, liabilities, income and expenses. Example: goal to accumulate Rs 15 crores by retirement (age 63), goal to accumulate Rs 15 lacs for child’s higher education by 2025       2.  …

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Be a Santa and gift your Children an equity portfolio

Christmas is a time for celebrating and enjoying. Typically, Christmas is associated with Santa Clause and gifts from Santa. This is a time of fun and joy, especially for children. You probably bring lots of gifts for your children and take them for vacations and outings during Christmas. While you should continue doing that, we…

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How to retire early

Retirement is one of the most important financial goals of everyone. We plan a certain corpus as our retirement fund and the moment we achieve that corpus, we tend to call it a day.However, what we tend to ignore is the fact that there is simple mathematics behind retirement earlier than you would have thought.…

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What is the average maturity in debt funds?

In this article, we will be discussing the term average maturity in debt funds. Debt funds invest in multiple fixed income or debt securities. It’s important to note that each security in the portfolio may have a different maturity. A bond or a debt instrument’s maturity date indicates a future date on which an investor…

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Brighten up this Diwali by investing in mutual funds

Diwali is a festival of lights that helps us transition from the shackles of darkness towards the prosperity and success. We consider Diwali a highly auspicious day for investing money, since that investment will invoke the blessings of Goddess Laxmi, bringing wealth and prosperity to the investor. Thus, why not look to invest in mutual…

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5 simple reasons to consider CFDs as your next investment asset class

Corporate fixed deposits (CFDs) are an investment asset class that is fast-gaining popularity in the past few quarters primarily owing to the returns it provides on investment coupled with other interesting propositions. With interest rates touching 8.25%, flexible deposit tenures, high ‘AAA’ ratings signifying their degree of safety as an investment class, it is recommended…

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Dussehra – Victory of good over evil

Popularly known as Vijayadashami, Dussehra is celebrated on the tenth day of the month of Ashwin. The day marks the victory of good over evil. It is one of the most important days in the Hindu religious calendar. Nine days prior to the Vijayadashami day are celebrated as Navratri. The nine days of Navaratri are…

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How to build your emergency funds

Life is highly unpredictable and will throw you unexpected and unpleasant surprises every now and then. This is when it’s good to have an emergency fund. This is a safety net that can help you cover unexpected or unforeseen expenses without actually breaking your monthly budget or without having to take on expensive debt. An…

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Why invest in ELSS the SIP way to save taxes?

Whenever most of us look for tax savings options during the time the taxman knocks our door, we tend to wittingly or unwittingly ignore ELSS as a tax savings instrument. Equity Linked Savings Scheme (ELSS) is a diversified equity mutual fund where major chunk of the corpus is invested into the equity market. If you…

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Investors and GST

A lot has been written on the impact of GST and reasons why it should be implemented, postponed, or modified. The inevitability is here. On the midnight of 30thJune India will be liberated from multiple taxes as many as 15+ taxes will be combined into a single tax called Goods and services Tax or GST…

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5 questions on SEBI and recent directive on Offshore Derivative Instruments (ODI) or P Note

SEBI has over the years made various amendments to reduce the quantum of outstanding ODI or participatory notes as they are popularly called.   Why do Institutions issue participatory notes? There are lot of formalities to be complied with when NRI or an institution wants to participate in the Indian markets. Hence, instead of directly…

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Savings Account vs. Liquid Funds

Let’s understand Savings Account vs. Liquid Funds In this article, we will be comparing savings bank account with liquid funds. Our grandparents and earlier generations use to invest regularly in traditional savings instruments such as bank FDs, traditional life insurance plans, gold, and real estate. The investment avenues have broadened largely in the past three…

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Let’s go shopping to understand how GST helps

Let’s say you’ve gone to a cloth retailer’s store along with your daughter and your little one has liked a dress. The first question you will ask the retailer is ‘How much does the dress cost?’. Let’s assume the retailer says Rs. 207.63. This price is fixed under the non-GST regime. Do you know how…

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How to organize your financial goals?

Did you ever measure your dreams using a measuring tape before you actually started dreaming? The answer most certainly is no.That’s the best part. Be it of any size, you don’t and shouldn’t stop dreaming. Let’s take the example of this young guy from Mumbai who wanted to invest in an igloo in the Arctic…

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Why understanding your current financial status is crucial?

One of the best ways to understand your current financial status is to prepare and analyse your cash flow statement on monthly and annual basis. A cash flow statement would tell you whether you have surplus cash after you pay your taxes and after accounting for your lifestyle expenses. Please note that you need to consider data…

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Dividend funds vs. Growth funds in India

You can invest in mutual funds in India in two schemes – Dividend and Growth funds. The main feature of Dividend mutual funds is that they pay out money to the investors. However, Growth mutual funds do not pay out any money to the investors, which makes them different from Dividend funds. Mutual funds earn…

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Why you know your risk appetite before investment?

Best investors spread their money into different baskets rather than investing all their money into one basket. Remember what our elders told us “don’t keep all your eggs in one basket”. That said, you need to remember that you are investing your hard-earned money in different asset classes. Thus, it becomes pivotal for you to…

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Did you know the advantages of investing in equity markets?

Consistent growth in foreign direct investment (FDI) and foreign institutional investors (FII) in the past two decades reflect emerging India’s growth story. Factors such as cheap labour, abundant resources, young demographic dividend, and high disposable income make India one of the most popular global investment destinations. The 2008 recession was one of the toughest periods…

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National Pension System (NPS)

A survey conducted by the United Nations Population Division World, life span for every individual is expected to touch 75 years by 2050, which is currently at 65 years. Initiatives of the government of India such as Swachh Bharat Mission coupled with the growing awareness of better health and sanitation have started increasing the life…

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Do you have a goal based approach towards investing?

Do you know anyone who puts a measuring tape around his dreams, before he dreams? Your dream could be enormous or can even be a bizarre one because you don’t always have an explanation for your dreams. There’s this young lad from Delhi who wanted to buy an awesome igloo in the Arctic region. Now,…

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7 easy tips to save taxes that you didn’t know

In this article, we are going to talk about the following easy tax saving tips that you might not be aware of. You can gift money to your major children One of the best ways to save taxes is by gifting money to your major children. For instance, let’s assume you have Rs. 20,00,000 that…

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How to save money effectively

In this article, we are going to look at the three most significant but forgotten rules of saving money effectively. These rules are actually common sense if we know them. However, most of us seem to have forgotten them and hence don’t practice them during our lifetime.     You can be rest assured that…

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How to choose your SIP investment plan as per your goal

Every person has individual long-term and short-term goals for life. Short-term goals include buying your favourite car or going on your dream vacation. Long-term goals include buying your own home, taking life and health cover, planning children’s education/marriage, and planning retirement.   Therefore, it becomes very important to choose your SIP investment plan wisely as…

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ULIPs vs. ELSS – An Insightful Comparison

It is that time of the year when all eyes will be searching for investment options for tax savings. Nobody would want to pay more tax. It would be safe to presume that the story can’t be too different for you. That’s why the ‘Tax Man’ has provided you with numerous tax savings options under…

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Populism or Fiscal Prudence, what has Union Budget 2017 got for India?

Feb 01, 2016 become a historic day in Indian politics as the Finance Minister Arun Jaitley merged the Union and Rail Budgets for the first time ever and presented it to the parliament. The general belief is that the FM this time has been able to strike a fine balance between ‘populism’ and ‘fiscal prudence’.…

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The 4 F’s of financial planning you need to know this year

Financial planning is a very crucial process that will help you reach your future goals effectively. Thus, if you’re looking to save for retirement, your children’s education, marriage, own home, dream vacation, awesome car, or other contingencies, good financial planning is the only way forward.   Here are the 4 F’s of financial planning process…

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IPO – Journey of a small company to a big company in 5 years

Pan-India presence, diversified products, business expansion, stronger brand presence, and a promising growth trajectory, in pursuit of these dreams, Ankur started his own firm ‘Dream Big’ in 2009. Things were smooth, profits consistent, but was that going to make Ankur happy, the answer is no. Rest assured, he wouldn’t have heaved a sigh of relief…

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Tax Savings Funds & New Fund Offer (NFO)

NFOs are mutual funds that are into the business of managing your money. A fund manager of an asset management company keeps a constant eye on the equity markets, debt markets, real estate, currencies, gold, and commodities. The idea behind this exercise is to identify the areas from where he can earn money from the…

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3 simple tips to help you maximise money in your bank account

You save your hard-earned money in a bank account simply because it is a secure way of savings. You are well aware of the fact that returns in the form of interest rates on savings account hover generally in the range of 4-6%. The fact you need to understand here is whether you are getting…

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Mutual Fund – A great investment opportunity

The two prominent questions that come in every investor’s mind are what is a mutual fund? What are the benefits of investing in a mutual fund? Your financial requirements are likely to grow over time. Although your income may grow at a steady pace, inflation will take its toll. Traditional forms of investments such as…

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Here’s how you budget your money like a boss

Everyone would want to save for various types of financial goals. It could be travelling, saving for your wedding, saving for that home down payment, or for having financial independence at some point in your lives. That said, you might shy away from preparing a budget. This is because you think budgeting is some kind…

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4 simple ways to save more money

  If you find something really difficult to implement in your financial life, chances are that you will not do it. This is exactly the case when it comes to saving your hard-earned money. The key point to remember is that all of us know that we need to save our money, but we more…

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This Diwali do something different that makes the Big Difference

Yes! The festival of lights is round the corner. It is the best time to light up your life and start your financial planning. Make your new beginning this New Year for great results in the future through proper financial planning.   This Diwali, when you invoke the blessings of Goddess Laxmi, do think about…

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RBI MONETARY POLICY UPDATE – October 2016

RBI governor Urjit Patel announced the fourth bi-monthly monetary policy for this fiscal year 2016-17 today. The main highlights are:   1. The Repo rate has been reduced by 0.25 per cent and is now 6.25 per cent. Cash reserve ratio (CRR) of scheduled banks is unchanged at 4.0 per cent. Repo rate is the…

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Difference between company fixed deposits and bank fixed deposits

Fixed deposits have traditionally been very popular with most investors since they offer low risk, steady returns and high liquidity.     There are two types of fixed deposits available viz: company fixed deposits and bank fixed deposits.   Let us closely look at the difference between the two on important parameters:   1. Interest…

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6 investment mistakes you need to avoid

Investment is most definitely the right decision to make in terms of maximising your returns. However, investment in the right place at the right time is crucial. Here is six investment mistakes that you are advised to avoid in order to maximise returns from your hard-earned savings: Improper planning Planning is everything, especially when it…

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4 smart ways of spending Rs.10000 savings at month end

No money is small money. Yes, you have heard it right! The saying holds true now and forever. In fact, small money always makes big money. Therefore, here are four smart ways that you could adopt to invest Rs.10000 that you saved at month end to fetch you good long-term returns: Buy a life insurance…

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A guide to investment for the 21st century woman

Today’s woman is the definition of modern society. Most women in India are highly career driven and constantly strive to be self-dependent. Over the years, investment is increasingly becoming a buzzword for Indian women. Be it a working mother, a young girl just graduated from college, a homemaker, or an elderly woman, investment has always…

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RBI MONETARY POLICY UPDATE – August 2016

RBI governor Raghu ram rajan announced the third bi-monthly monetary policy for this fiscal year 2016-17 today. The main highlights are: 1. The Repo rate is unchanged at 6.50 per cent. Cash reserve ratio (CRR) of scheduled banks is unchanged at 4.0 per cent. Repo rate is the rate at which RBI lends money to…

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Markets and expectations

The stock market behavior currently is a classic text book case for understanding the expectation discounting in markets. The markets went up from 6900 nifty to 8700 in the hope of first Monsoon being normal, GST passing and corporate earnings growth. The corporate earnings growth was not as expected, however the other two hopes have…

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9 simple investment strategies that will last a lifetime

Investment is a phenomenon the simpler you make it, the easier and smoother it is for you. Here are 9 very simple investment strategies that will stay with you for a lifetime: – Invest in something you understand: It is important to know the company you are investing in, the sector, the industry. This helps you…

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