Investing can be more than just numbers. It can be a way to positively impact the world socially, environmentally, and economically. As an investor, you would not want to fund companies actively engaging in unethical practices such as exploiting laborers, overusing natural resources, or polluting the environment. You would want to invest in companies that […]
For years, India’s equity market has been the go-to choice for investors seeking growth. However, there’s a significant number of investors who don’t just focus on growth alone; they crave stability without compromising on returns. These investors often settle for bank fixed deposits. Is that an appropriate fit for stable returns with decent yields or […]
Early retirement is enticing. Imagine trading your 9-to-5 for Goan beaches, waking up to the sounds of chirping birds instead of alarms, or having the absolute freedom to pursue your hobbies without the pressure of making a regular paycheck to meet your needs and wants. Some of us aspire to retire early, but for some, […]
When we talk about retirement in India, we usually think of EPF or NPS. But there is another alternative, ULPPs, that delivers market-linked returns with built-in insurance cover. Insurance. Investment. Annuity. ULPPs bundle it all into one product. But in trying to do everything, do they really deliver what you’re looking for? In this blog, […]
Imagine this—you’ve wrapped up your working years, no more Monday blues or performance reviews. Now, it’s time to sit back, sip your tea, and let your money do the heavy lifting. That’s exactly what the Senior Citizens Savings Scheme (SCSS) is built for. Post your retirement, you can rely on SCSS for your investment goals— […]
When you run your own show professionally, no one hands you a retirement plan with your appointment letter. There’s no EPF pension plan, no employer contribution, and definitely no built-in exit strategy. You’re the one designing every piece of the puzzle, including how your post-work life gets funded. Despite that reality, most self-employed professionals in […]
Imagine your child getting into their dream university, but you realize too late that you’re underfunded by, say, ₹30 lakhs? In India, the cost of education doesn’t just grow; it compounds. Education inflation has been clocking in at 8–10% annually, still far outpacing average salary increments. According to the recent NSSO data, families already spend […]
Ever wondered why two bonds with the same maturity are offering different returns? You might have come across the term ‘credit spread’ if you ever planned to dip your toes into fixed-income investments. If it sounded complex to you, we are here to break it down – credit spreads are, in fact, easy to understand […]
In a country like India, where familial bonds have traditionally provided a safety net for the elderly, the concept of pension planning was never one to be given much thought. However, with changing social dynamics, increasing life expectancy, and rising healthcare costs, securing a stable income post-retirement has become more important than ever. Today, in […]
For decades, a huge chunk of the middle class lived by one simple formula: get a degree, find a job, work hard, climb the corporate ladder gradually, retire at 65, and then finally enjoy life. But the youngsters today see their lives a little differently. The 10-to-7 stress, job dissatisfaction, never-ending deadlines, and a relentless […]
Trade wars don’t whisper—they roar, with ruffled markets, shaken currencies, and erratic behavior in investors. Markets recoil, currencies swing, and investor sentiment wavers. On April 2, 2025, U.S. President Mr. Trump reignited global trade tensions with sweeping tariffs aimed at correcting longstanding imbalances. In response to this move, asset classes, from equities to currencies, have […]
Investing is like buying a new car. There’s always a benefit trade-off between choosing stability and liquidity, just like choosing between a car’s speed and mileage. Fixed deposits (FDs) and bonds offer you stability but lock up your money. Stocks on the other hand provide liquidity but bring in volatility. Convertible debentures? They can change […]