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Investing Insights

Rupee Falling in 2025? Here’s How to Protect and Grow Your Investments!

Imagine you had been saving to buy the new iPhone. A few months ago, the price was Rs.80,000, but now, since the rupee has fallen against the dollar, the price has soared to Rs.85,000. You’re paying more for the same product simply because the rupee has depreciated relative to the dollar. This is exactly what happens when the rupee weakens—it makes everything we import (such as fuel, electronics, and raw materials) costlier.

The Impact of Inflation on Your Financial Goals

Inflation is the unknown devil that keeps devaluing your savings. We hear about inflation rates in the news, but it’s easy to overlook their significance. While we may notice rising prices in our day-to-day purchases, we often fail to consider how inflation impacts our long-term financial goals. In this article, we’ll uncover the true impact of inflation on your financial journey and share strategies to help you stay ahead of it.

Income Tax Changes in Budget 2025 & RBI's Rate Cut: A Boost for Growth & Investments

Lower taxes, cheaper loans, and a push for private sector growth—how the latest Union Budget and RBI’s rate cut are shaping India’s economic future.

How Falling Markets Can Benefit Your SIP Plan

Market downturns can trigger anxiety, but for SIP investors, they present a golden opportunity. By consistently investing through volatility, you benefit from rupee cost averaging, accumulating more units at lower prices and enhancing long-term returns. With the power of compounding and a disciplined approach, SIPs turn market dips into wealth-building moments

Your Child’s Education Goal: A Step-by-Step Investment Guide

Every parent wishes for a bright and secure future for their child, and that includes a quality education. Achieving this goal requires advanced and proactive planning to ensure you’re financially prepared to support your child’s aspirations. In this article, we will explore why it is important to plan for your child's education and some best practices for the same.

Understanding the Difference Between Multicap and Flexicap Funds

When it comes to equity mutual funds, investors often come across a variety of fund categories tailored to meet different investment objectives. Two categories that frequently cause confusion are Multicap Funds and Flexicap Funds. While both invest across market capitalizations (large-cap, mid-cap, and small-cap stocks), they differ significantly in their investment approach and mandates. Understanding these differences is crucial for making informed investment decisions.

Systematic Withdrawal Plans (SWP): A Reliable Way to Generate Regular Income

An SWP allows investors to withdraw a predetermined amount from their mutual fund investments at regular intervals, such as monthly, quarterly or annually. The beauty of SWPs lies in their flexibility—they provide consistent income while allowing the remaining investment to continue growing.

Top Wealth Management Strategies for Long-Term Success

The goal-planning process, like a retirement fund, has two important aspects: Wealth creation and wealth management. During your working years, you create wealth by building a retirement fund. During the retirement years, you manage the wealth created so that it sustains you during the retirement years. In this article, we will understand what wealth management is, how it differs from wealth creation, and the best wealth management strategies.

A Guide to Understanding Tax Saving in Mutual Fund Investments

Some individuals invest in financial products only with the aim of saving taxes. They start looking for tax-saving investment products in the last quarter of the financial year. In the last quarter, their HR or Finance Team starts asking them for investment proof(s) to avoid a TDS deduction from salary. It is not the best way to invest. The appropriate approach is to do goal-planning and, within that look for tax-efficient financial products. In this article, we will understand what are tax-saving mutual funds and how to maximise tax savings with them.

Essential Asset Allocation Strategies for a Balanced Investment Portfolio

In 2024 (as of June 2024), the Nifty 50 Index has given a return of 28.12%. During the same period, gold has gone up by 23.56% and fixed income has given a return of 7.27%. In the calendar year 2022, gold was the top-performing asset class, whereas in 2015, fixed income was the top-performing asset class. So, different asset classes take turns to outperform each other year after year. Hence when it comes to managing existing wealth, most investors follow asset allocation by building a diversified investment portfolio. In this article, we will understand what asset allocation is, asset allocation strategies, and how to use them to build a balanced investment portfolio.

A Step-by-Step Guide to Personal Financial Planning

Some individuals follow a return-centric approach to investing. They chase returns by selecting mutual funds based on the last one and three-year returns. However, that is not the right approach. The appropriate approach is to identify your financial goals and invest towards fulfilling them. It keeps you focused on your investments for the long term till the goals are achieved. The personal financial planning journey can help you map all your financial goals, invest towards them, and review them till they are achieved. In this article, we will understand what is personal financial planning and how to go about it.

How to Manage Investment Risk Efficiently

“The biggest risk is not taking any risk” is a famous quote by Mark Zuckerberg. The same applies to the investing world also. Some investors play safe and invest all their savings in low-risk options like bank fixed deposits, Government securities, etc. But, after factoring in taxation, the returns may not even be able to beat inflation. So, you run the risk of negative returns. Hence, it is recommended that you take risk by investing in equity mutual funds and mitigate/manage the risks using various risk management strategies. In this article, we will understand how to manage investment risk in mutual funds using various strategies.