Imagine you purchased a small flat a few years back for ₹30 lakhs. Now, someone’s willing to pay ₹45 lakhs for it—that rise in value over time is what we call appreciation. It’s the quiet way wealth grows—without fanfare, without monthly reminders. The value simply rises over time. Appreciation shows up everywhere. In homes, stocks, […]

Introduction Picture this: a crowded room, quiet at first… until the first bid is placed. Suddenly, hands go up, prices rise, and tension builds until—bang! — “Sold!” That’s an auction. But here’s the twist: auctions aren’t just for antiques. They shape financial markets too. And once you see how, it all makes sense. What is […]

Introduction Investors prefer having at least one debt-based investment to give their portfolio a hedge against equity market fluctuations. One such investment option, bonds, is considered a relatively safe form of investment. Investors who are slightly risk-averse and are satisfied by getting lower returns usually prefer bonds to those who prefer high returns with unknown […]

Picture this: You’re baking a cake, but instead of rushing to the store for fancy ingredients, you work with what’s in your pantry. That’s bootstrapping in a nutshell—crafting a business from scratch using grit, creativity, and the resources already at your fingertips. No investor sugar daddies, no loans—just raw hustle. Companies like Zoho and Mailchimp […]

When you hear the term cap in investment, think of a ceiling. Just like a physical cap keeps something from going too high, in the world of finance, it places a limit on how high the interest rate can rise. This becomes especially useful when you’re dealing with variable-rate instruments like bonds or loans. A […]

If you’ve spent any time reading about markets, you’ve probably come across the word carry. It sounds simple, but in finance, it carries a lot of weight. At its core, it’s about the cost or return from simply holding on to an investment. Let’s see what it really means in practice. What is Carry? So, […]

Mr. Grover recently purchased a bond from a company. The bond promises to pay him a fixed amount of interest every six months, with payments due on the 30th of June and the 31st of December. He enjoys these regular payments and he’s also aware that he can sell the bond to another investor at […]

Every investor wants growth but hates the idea of sudden losses. That’s where the collar strategy comes in. It’s like putting boundaries around your money—one to stop losses and one to cap gains. Let’s look at the collar meaning in simple words and see why people use it. What Is a Collar? So, what is […]

Picture this: you’ve got a little money pot, right? You put some rupees in there. Now, the bank, or wherever you keep it, gives you a little extra, like a bonus, for keeping your money with them. That’s called interest. Now, here’s the cool part: with compound interest, that bonus money? It starts earning its […]