Introduction If a retail investor looking for fixed-income investment options in India does a simple Google search of peer 2 peer lending vs bonds, they may find themselves inundated with misleading online information. This information tends to favor P2P lending and often portrays bonds negatively, creating a sense of apprehension. This skewed perspective fails to […]

Anyone who seeks to invest wants to do so to maximise their profit. Banks and financial corporations offer fixed-income instruments that offer a guaranteed rate of return on your investment.  For instance, if you save Rs. 100 and the avenue offers a 7% return, you will earn Rs. 7 in interest income.  There are different […]

Introduction When you speak about investments, the first thought that pops into people’s minds is investing in stock markets. Stock markets can be exciting as individuals can become wealthy overnight. However, it comes with its fair share of risk. Share prices can drop as quickly as they increase, wiping out all of your hard-earned money […]

Do you understand the distinction between a retail investor and a High-Net worth Investor (HNI)? I’m not referring to the SEBI definition, but rather the difference in their investing mindset. An HNI doesn’t pursue high returns; instead, they remain unfazed by market volatility, stay composed, diversify their investments adeptly and think long-term, unlike our average […]

Delaying the initiation of a retirement savings plan is a common blunder that many individuals make. Another fundamental error in financial planning is neglecting savings in favour of fulfilling immediate desires. As individuals work throughout their lives, they often aspire to retire and pursue their passions. Therefore, it becomes critical to arrange their finances in […]

In this final clash, the war rages on, Bonds stand strong, their resilience drawn. Though yields may lure with their tempting might, Only bonds endure, the victors of this fight. Having triumphed over the new-age alternative financial products, bonds find themselves encircled by their age-old adversaries: traditional fixed income instruments like Public Provident Fund (PPF), […]

The RBI’s Monetary Policy Committee (MPC) conducted its monetary policy meeting from December 4-6, 2024. On the basis of an assessment of the evolving macroeconomic situation, the Monetary Policy Committee (MPC) made the following announcements: Keep the policy repo rate unchanged at 6.50% by a majority of 4 out of 6, consequently the standing deposit […]

In this world nothing can be said to be certain, except death and taxes. –Benjamin Franklin This quote reflects the inevitability of these two things in life. Death is inevitable for all living beings and taxes are a necessary part of modern society. Taxes are a way for the government to collect revenue, which is […]

When the global economies were finally recovering from the pandemic, the repercussions that followed was a burden of a recessionary environment characterized by increased unemployment rates, soaring commodity and oil prices, banking sector strains and escalating geopolitical tensions. Amidst all of this, India has emerged as a genuine underdog. As major global banking institutions faced […]