investments

  The Systematic Investment Plan (SIP) is a popular investment option that allows investors to invest a fixed amount of money at regular intervals, typically monthly, into a mutual fund or other investment vehicle. Some of the benefits of SIP include: Disciplined Investing: SIP helps investors develop a disciplined approach to investing by encouraging them to invest regularly, regardless of market conditions. This helps investors avoid the temptation to time the market and make impulsive investment decisions. Rupee Cost Averaging : SIP works on an important mechanism known as Rupee Cost Averaging with which investors end up buying more units when the price is low and fewer units when the price is high. This helps average out the cost of investment and reduces the impact of short-term market volatility on the portfolio. Flexibility: SIPs offer a lot of flexibility in terms of investment amount, frequency, and duration. Investors can start with a small amount and gradually increase ...

  At some point in your employment,  you’ll notice the Tax-man gobbling up your income. At precisely this moment, all you could think of is saving your hard-earned money. What if we said it is possible to save tax in the process of building your wealth? This is exactly what ELSS does. ELSS or Equity Linked Saving Scheme is an investment option that allows you to make returns simultaneously by saving taxes.  The investments in ELSS up to Rs. 1.5 lakhs are tax deductible under Section 80C of the Income Tax Act. ELSS investments have a short lock-in period of 3 years after which these funds can be redeemed. Considering other tax-saving investment options like PPF, NPS and FDs, the 3-year Lock-In period of ELSS fare well in comparison where the lock-in periods are 5 years and above. This makes ELSS a very suitable investment option for people looking to save tax.

  Many of us have heard of investing, but relatively few go on to invest. This is because not many know about the perks of investing. We all need money for emergencies, we need money to fulfill our desires, and for daily expenditure. If we hope to sustain our lifestyle even after retirement, investment is a must.  Portioning a part of your income aside for investments can save you from financial disasters. A lot of investing options are available in the market, Mutual funds , Equities, NPS, Corporate FDs. To choose the right investment avenue, you need to check your time frame, risk appetite, goals, outside liabilities, amount you can invest, and other factors influencing your financial position.  Your investment tenure in the market is an important factor in delivering superior returns. Therefore, it is recommended to start investing as early as possible. So what are you waiting for? Start investing!

  The thought of investing always stays in our minds but is often pushed to the future and most often the thought we settle on is “Let’s do it next year when I start earning more”. Being a salaried employee, investments fall behind on the priority list post all recurring expenditures. But the one thought that never crosses our mind is, that being a little frugal on the expenditure and investing not just saves but actually grow’s the money. We literally are uplifting our Future! Setting aside a few bucks from our daily expenses alone could result in something huge for the future. God forbid if there is an emergency that requires funds and your savings alone wouldn’t suffice. Well, your investments are the ones that will be of help.  The thought that saving money will fulfill your future dreams and aspirations is false! The most important aspect “INFLATION” is often forgotten. That’s when Mutual Funds come into play! Investing in Mutual Funds is among the easiest investment sty...

  ELSS mutual funds are famously known for their tax-saving features in addition to being one of the sought-after mutual fund categories. Under Section 80C of the Income Tax Act, taxpayers can save up to Rs. 1.5Lakh in deduction from income tax returns after investing in ELSS. Investing in these mutual funds is an attractive option for those looking for high returns in the long term and tax savings.  Moreover, other tax saving options under Section 80C have a higher lock-in period, ELSS Funds have a short lock-in period of 3 years, and have the potential to offer higher returns in the long run. During the lock-in period investors cannot redeem their investment. However they can still receive dividends if the fund declares any. After the lock-in period ends investors can redeem their investments. Most of the tax saving investment options have a minimum lock-in period of 5 years. This is another reason to consider ELSS investment.  Another advantage of ELSS mutual funds is...

  NPS is the country’s first voluntary long-term investment plan. It is regulated by the PFRDA. This pension program is open to all employees, both public and private. NPS is also open to employees from unrecognized sectors.  Investing in NPS is very beneficial for investors. NPS is a flexible scheme where the investor themselves can decide the amount they want to invest. The investing options are also very simple and easily accessible. The investor can also use NPS contributions for a tax deduction. Moreover, NPS investments allow you to exit early and also withdraw a certain percentage of your corpus during the time of exit.  Hence, an NPS contribution even with a very small amount can help you have a secured future.