Investment & Savings
The Insurance Services in India
India is a vast and diverse country with a population of over 1.3 billion people, making it the second-most populous country in the world. With such a large population, there is a great need for insurance services to protect individuals and ...
Debt to Equity Ratio Formula
Choosing a company to invest in can be difficult. As an investor, you need to choose a company that will provide you with optimal returns at minimal risk. Even seasoned investors take several factors into account before picking a stock. One of those ...
AMC Charges for Demat Account for Public Company
What is the Account Maintenance Charges (AMC) in Demat Account? Today, with the advent of digitalization, shares no longer need to be a tangible asset. They are dematerialized, making it much easier for everyone to buy and sell them. ...
How to Manage My Child's Education?
Anuj, a Tax professional, has twins and is concerned about their primary and higher education. He has managed to sort out a financial plan for him. Let's Evaluate how well he has done it. And Suggest him for Improvements. Anuj is a software ...
Share transfer from One person to Another
Transfer of shares from one Demat account (of person x) to another Demat account (of person y) will be different from one Demat account (of person x) to another Demat account (of the same person x). The process of transfer of shares from one person ...
What are the benefits of Mutual Funds?
Many people intend to gift mutual fund units to their closed ones as a token of love or even bequeath it to their loved ones after demise. However, there are certain complexities involved in this transfer process. What are the benefits of Mutual ...
How to Make a Winning Long-Term Stock Pick
Many investors are confused when it comes to the stock market; they have trouble figuring out which stocks are good long-term buys and which ones aren't. To invest for the long term, not only do you have to look at certain indicators, but you also ...
What Is Driving the IPO Craze in 2020–2021?
It is natural to wonder why the market is thronged with IPOs even as the pandemic continues to impact the economy. It may seem unreal but there are justifications to this paradox. Collectively, companies raised ~$4.6 bn. via initial public offerings ...
Who should invest in Hedge Funds & its Benefits?
Hedge funds are still at an initial phase and are not as widely known as other mutual funds. Though they too pool investments from various investors, they use highly complex strategies to ‘hedge’ risks and deliver high returns. In this article, we ...
What is New Fund Offer (NFO) & How Safe is It?
A New Fund Offer (NFO) is how an asset management company launches a new fund on a first-subscription basis for financing its purchase of securities. How Does New Fund Offer work? In a new fund offer, the opportunity to subscribe to the scheme is ...
Avoid these mistakes while Investing in mutual funds
Sharp correction of March 2020 and subsequent quicker recovery has attracted many investors to the equity market. The majority of them are investing through mutual funds. I wish to warn these new investors against the novice's mistakes while ...
Who Should Invest in Hybrid Funds & its Benefits?
Mutual fund investors can be broadly classified into three categories. One, those who are ready to take some risk and they invest in equity funds. Second, those who play it safe by investing in debt funds that assures some returns while keeping money ...
Paytm IPO: Should you subscribe or not?
IPO Synopsis The One97 Communications subsidiary, Paytm IPO has opened for subscription from 8 November to 11 November with an aim of raising Rs.18,300 crore. This IPO is set to be 22% bigger than the largest IPO till date- Coal India, which raised ...
Gold Investment Options in India: Which One is Best for you?
Gold has been a symbol of wealth since ancient times and even in the Information Age has managed to maintain its relevance as an investment. In its physical form, currently, around 190,000 tonnes of Gold are available globally out of which 50% is in ...
Real Estate Investment Trust Explained Here
Everything You Need to Know About Real Estate Investment Trusts (REITs) The American satirist and author Mark Twain once famously said “Buy land, they’re not making it anymore”. While he might have intended the statement as a joke, in India, land, ...
Mutual Fund Redemption : Timeline & Taxation
Mutual fund redemption is a way to make a graceful exit. If you feel like exiting the mutual fund scheme, then you can redeem the units you hold. We have covered the following in this article: Mutual fund redemption Mutual fund redemption is how the ...
How to Redeem Equity Funds & Save Taxes
The Union Budget 2018-19 brought back the long-term capital gains (LTCG) tax on equity-oriented mutual funds. It called for a change in the strategy in which investors used to deal with the redemption of equity fund units to avoid the impact of ...
How Do You Earn Returns in Mutual Funds
Mutual funds are one of the most buzzing investment options as they help you achieve your financial goals. Mutual funds are also tax-efficient instruments. Investing in fixed deposits is a great disadvantage, particularly if you fall under the ...
NPS Vs PPF: Which is a Better Investment to Build a Retirement Corpus?
Retirement as a concept is dear to all of us. The first thing that comes to mind is no more getting up early from bed to get ready for the office, no more cruising through traffic during the rush hours, no more stressing over pending workload. More ...
Difference Between Active Vs Passive Investing
Mutual fund portfolios can be actively managed or passively managed. When we say portfolio management, we mean how the fund manager buys the underlying assets(equity, debt, gold, etc.). An actively managed fund means a fund manager has more ...
All About Index Funds Explained Here
An “index fund” is a type of mutual fund or exchange-traded fund that seeks to track the returns of a market index. The S&P 500 Index, the Russell 2000 Index, and the Wilshire 5000 Total Market Index are just a few examples of market indexes that ...
Classification for Different Types of Market Activity
Are you a trader or investor or both? Identifying yourself as a trader or an investor is the first step to filing your income tax returns. This may seem like an easy task, but here is what this circular from CBDT (Central board of direct taxes) says: ...
How is a Stock Market Regulated & Managed?
What is the stock market? Investing in equities is an important investment that we make to generate inflation-beating returns. This was the conclusion we drew from the previous chapter. Having said that, how do we go about investing in equities? ...
The Need to Make Investments in India?
Why should one Invest? Before we address the above question, let us understand what would happen if one chooses not to invest. Let us assume you earn Rs.50,000/- per month, and you spend Rs.30,000/-towards your cost of living, which includes housing, ...
PPF Public Provident Fund Account
Public Provident Fund (PPF) was introduced in India in 1968 with the objective to mobilize small saving in the form of investment, coupled with a return on it. It can also be called a savings-cum-tax savings investment vehicle that enables one to ...
Insurance : Importance, Types and Benefits
The life and property of an individual are surrounded by the risk of death, disability or destruction. These risks may result in financial losses. Insurance is a prudent way to transfer such risks to an insurance company. What is Insurance? Insurance ...
What is Crypto Currency and How does it work?
A cryptocurrency (or “crypto”) is a digital currency that can be used to buy goods and services, but uses an online ledger with strong cryptography to secure online transactions. Much of the interest in these unregulated currencies is to trade for ...
What is a Fixed Deposit?
In India, Fixed Deposits are one of the most popular ways to save money. They are a safe investment, offer good returns, and are easy to open. So, what exactly is a Fixed Deposit? In a Fixed Deposit, you put a lump sum in your bank for a fixed tenure ...
What are Shares and Types of Shares
What are Shares and Types of Shares To take the right steps for becoming a seasoned investor, you must understand that you can invest in a variety of stock market instruments. These include shares, derivatives, mutual funds and bonds. Among these, ...
What are Mutual Funds? - Mutual Fund Definition
Mutual funds are one of the most popular investment options these days. A mutual fund is an investment vehicle formed when an asset management company (AMC) or fund house pools investments from several individuals and institutional investors with ...
Thinking of buying cryptocurrencies? Be ready to pay taxes on your investment gains
What is bitcoin? Bitcoin is one of the earliest forms of cryptocurrency, forming part of the worldwide peer-to-peer payment system. Cryptocurrency is digital money. It is considered to be more secure than real money. Cryptocurrency uses something ...
Why ELSS is the Best Tax Saving Option?
Investing in ELSS funds is an efficient way to save taxes compared to the other investment instruments available under Section 80C of the Income Tax Act, 1961. ELSS comes with the advantage of a shorter lock-in period and professional fund ...
What are the Best Investment Options in India?
Choosing the best investment opportunity for wealth management is a matter of concern for all income groups; the middle class aims to save for security; however, the upper class aims to generate more by investing it aggressively. Although ...