Category: Beginner’s Guide
Fixed income
As name itself states income in a fixed way , fixed income are basically those types of investments/securities that pays individuals or an investor fixed periodic interest payments on our investment until its maturity date. Fixed income is mostly preferred by risk averse investors who wants to earn income steadily Also in india , some…
Sources of Financial Information
Gathering information is very necessary before starting research in any field. The information should not only be authentic but also unbiased. With the slightest of error, all calculations made for a future prediction would go wrong.Based on what I have found to be authentic and reliable, here are few websites that I would recommend to…
The Unified Payments Interface (UPI) Guide
UPI transactions hit a new high of 1.62 billion transactions in August 2020. India’s vision for a cashless economy had a boost after demonetization and people started to realize more about digital payment systems. 4 years later, it got another booster shot from Covid-19 pandemic. India has witnessed a massive surge in UPI transactions when…
At The Age Of 20, Where Should I Invest ₹10,000?
Investing has its own risks. For a beginner, one might look at the stock markets in search of better returns. Going for 100% equity stocks would be okay. However, you can reduce your risk by investing in a disciplined manner. What is the Disciplined Way of Investing? This means that you have planned in what…
How To Make Financial Investment Decisions?
Ever thought about this? To become Financially Independent, you must first need to make correct Financial Investment Decisions. Here are some points to remember before making any financial investment decision: 1. Historical returns of asset 2. Sustainability of the asset in the market. 3. Capital Gains 4. Rate of return. For beginners and non finance…
How Millennials can start with their FIRST INVESTMENT!
As more people are gaining exposure about investing into capital markets, more attention is being paid on how to start their first investment. Most of them include millennials. Youngsters who have their savings and want to invest it. Some want to be aggressive investors while others want to be conservative. Risk factor differs for every…
The Art Of Investing
Don’t invest in share market. You will lose all your money. It’s like gambling. Avoid it. Basic Average Indian Household Mentality You might have heard a lot of statements like the one mentioned above. Ever realized why people say so? Reason is: People listen to stories of others, both good and bad ones. But what…
What is an Exchange Traded Fund (ETF)?
An Exchange Traded Fund (ETF) is a type of security that contains a portfolio of securities(such as stocks or bonds). This collection of securities acts as the underlying asset for the ETF. They are just like Mutual Funds. However, unlike Mutual Funds, ETFs are traded on stock exchange just like any normal stock. ETFs trade…
7 Income Generating Assets
Assets are the resources that have economic value attached to them. Personal assets include houses, automobiles, jewellery, antiques and many other things with monetary value. Some assets grow in value and some generate regular income. Here are 7 regular income generating assets: 1) Real EstateThe most traditional asset for generating regular income. Get a piece…
Example of a Wealth Management Plan
This was prepared by me for a class project! Basic Details:Name: S S NaikProfession: Engineer (Non Finance)Age: 47 YearsMonthly Income: Rs 1,00,000 + 10% increment per yearAge of Retirement: 60 yrs Life Expectancy: 15yrs after retirementFamily: Housewife, Son-20yrs, Daughter- 18YearsHealth Related Information (of the head of the family): Used to Smoke Casual Drinking Non Vegetarian…
Short Selling
The two simplest trading/investment strategies are: Buying Long and Short Selling Buying long is simple, you buy shares and expect the price to go up in a day(while trading) or over a period of time (for investments). But, people often tend to get confused with the concept for Short Selling (or Short). This is because,…
How to inculcate the habit of Saving?
The first step towards investing is saving. One cannot start to invest if he doesn’t have funds. When you earn, you would most probably make a plan about how you carry on your investments. But at the end of the month, you remain empty-handed since what you had planned earlier, couldn’t get executed properly due…
