The only free lunch in finance is diversification – Harry Markowitz How impactful is the quote by the Nobel Prize laureate and pioneer of the Modern Portfolio Theory in today’s world? Portfolio diversification is at the heart of a successful investment strategy. By spreading investments across various assets, one can navigate the ups and downs […]

Introduction It’s remarkable how online shopping has seamlessly integrated into our lives. A decade ago, many were hesitant about making online purchases. Now, we buy everything from clothes to groceries, medicines, jewelry and even Gangajal online (yes, look it up). The advancement of technology and increased earning power, accelerated by the pandemic, has expedited this […]

Introduction It is the new year, you decide to get fit and lose the holiday weight you gained. On January 1st, you start going to the gym with determination. You begin with a 5kg biceps curl and feel a bit sore afterward. The next week, you continue to stick to your resolution and return to […]

Introduction Imagine being the owner of a thriving ice-cream company. Your brand has become a sensation, captivating the hearts of numerous customers who simply can’t get enough. However, a competitor has emerged in your niche, necessitating an increase in marketing expenses. Additionally, it’s time to upgrade your mixing machine and freezers, and there’s a surging […]

“The big money is not in the buying or selling, but in the waiting.” –Charlie Munger– In this era of instant gratification and easy money, this quote emphasizes the importance of humility and patience in both life and investing, coming from one of the key figures behind the remarkable success of Berkshire Hathaway. Whether dealing […]

Show me the money! Seeking an escape from the 9-5 grind? Aspiring to leave the rat race? Want to become the part of the Financially Independent Retire Early (F.I.R.E) movement? Your quest for passive income ideas concludes here. Let’s get straight to the point; here are the top passive income ideas for 2023: And so […]

Financial Planning 101 A notification buzzed, and both your mobile screen and your eyes lit up! (Dear Customer, Your Salary of Rs 1,82,336.00 is credited to you’re a/c no. XXXXX876 on 30-Nov-2023.) Perhaps the only text message that brings a smile to your face and a sense of relief amidst a barrage of OTPs, EMI […]

Introduction When it comes to India’s financial mechanisms, one instrument takes center stage for its crucial role in managing short-term cash dynamics—the Cash Management Bill (CMB). Exclusively issued by the central government, the CMB plays a pivotal role in addressing temporary cash flow imbalances. This exploration delves into the subtleties of cash management bills, unveiling […]

Disclaimer: Leasing is a widely accepted financial strategy for acquiring and utilizing assets without the necessity for significant upfront capital investments. Equipment leasing, a formalized business practice, has ancient roots as a concept. This article aims to explore the ‘securitization’ of the aforementioned leasing into a structured product and compare it with bonds, as both […]