Investing Insights

IRDAI Has Announced Policyholder-Friendly Initiatives: How Will They Benefit You?

In the last few years, the awareness about the importance of health insurance has increased a lot. Many people who earlier did not have health insurance or were dependent only on employer's group cover or other group health insurance schemes have taken individual/family floater health insurance plans.

Silver Prices Are at a Record High: Should You Invest?

In April 2024, the silver prices made headlines by crossing all-time highs to touch Rs. 85,000 per kg. Silver has the dual benefit of being a precious metal and industrial metal. High inflation and geopolitical uncertainty have boosted the demand for precious metals.

How can credit card rewards help you book flight tickets for your vacation?

Family vacations are one of the best ways to take a break from your busy work schedule, rejuvenate yourself, and return to work with a fresh start. Many people realise the importance of vacations and have included 1-2 vacations in a year as part of their goal list.

Ways of Saving Money on a Home Loan

Purchasing a house with a home loan is one of the biggest financial commitments an individual makes during their lifetime. Usually, a home loan tenure ranges from five to thirty years. The longer the tenure, the higher the interest amount an individual pays.

Top Tips for Successful Investment Portfolio Management

We have all heard the well-known phrase: “Don’t put all your eggs in one basket”. The phrase applies to many aspects of life, including investments. If you put all your money in a single asset class or security, and its value falls sharply or goes bust, you will incur significant losses or lose all your money. Hence, you need to build a diversified investment portfolio and manage it well. In this article, we will understand what is investment portfolio management, how to build and manage an investment portfolio.

Financial Planning for Single Women: Strategies for Long-Term Security

In today's world, not everyone prefers to get married and start a family. Some individuals, men as well as women, choose to stay single. They like to have a fulfilling career, focus on their passion like travel and go solo about it. In this article, we will understand how single women can do their financial planning and create long-term security for themselves.

Understanding Debt and Equity Funds: Key Differences and Benefits

Investors can choose from different types of mutual funds depending on factors like investment time horizon, return expectation, lock-in period, taxation, risk involved, etc. You can look at equity funds for growth and debt funds for stability. In this article, we will understand what are equity funds and debt funds, the difference between equity and debt mutual funds, and things to consider before choosing these funds.

SIP Vs Lumpsum Investments: Which Is Better?

Investing towards financial goals can be done in two ways. The first option is to invest a part of the income every month for the long term. The other option is to invest a lumpsum amount once and stay invested for the long term. Both options have pros and cons, and investors often wonder which option they should choose. In this article, we will discuss SIP vs Lump sum, and which approach an investor should take.

Investing for Your Future: Financial Planning Tips for Women

Both men and women seek to improve their lives, achieve financial security, enhance their health, and realize their dreams. Despite this, investing is often perceived as a primarily male activity. Women frequently begin to learn about investing later in life, typically after major life events like marriage, and fewer women independently educate themselves about investing compared to men.

Where and How Should You Invest Your Retirement Corpus?

Retirement planning has two stages. The first stage is to work towards building a retirement corpus. You must save and invest regularly every month during your working years to build your retirement corpus. The second stage of retirement planning is to deploy the retirement corpus. You accomplished your financial goal of accumulating a retirement corpus. Now, it is time to deploy it so that you can enjoy your golden years. In this article, we will discuss the second stage of retirement planning, which deals with how to invest the retirement corpus.

Budget 2024: Change in LTCG Taxation on International Funds – Should You Consider Investing?

In the July 2024 Budget, the Finance Minister announced changes in the Long Term Capital Gain (LTCG) taxation for some asset classes. These include equity fund of funds (FoFs), international equity FoFs, gold mutual funds, etc. Earlier, these were subject to taxation at the individual’s slab rate due to a change in the taxation of debt mutual funds in the previous budget. After the recent LTCG changes, the appeal of these asset classes has increased. In this article, we will understand what international equity mutual funds are, their features, how they are taxed, and whether you should invest in them.

What Is Financial Independence and How to Achieve It?

On 15th August, we celebrate Independence Day. We celebrate the spirit of freedom that gives us the right to live a life the way we want to. Have you thought about financial freedom in a similar way? When you achieve financial independence, it gives you more control over your time and further live a life the way you want to. In this article, we will discuss what financial independence is, its benefits, and how to achieve it.