When markets chase the same set of “hot” stocks, a different kind of investor looks the other way. That is the idea behind contra funds—equity schemes that buy sound companies when they are unloved and wait for the tide to turn. The contra fund meaning is simple: go against crowd sentiment with research and patience. […]

Introduction Let’s keep it real. If you’ve ever lent money to a friend and then spent weeks chasing them for repayment, congratulations — you’ve experienced credit risk. In the world of finance, this isn’t just a minor worry. It’s a big deal. Banks, companies, investors — everyone faces it. The idea is simple: What if […]

Credit risk funds sit within debt mutual funds and focus on bonds from lower-rated but promising companies. For investors who understand risk–reward trade-offs, credit risk funds can offer higher accrual than plain vanilla debt while remaining professionally managed. List of Credit Risk Mutual Funds What is a Credit Risk Mutual Fund? When readers ask what […]

Most people tap both cards every week, but when the goal is a stronger credit score, the difference between Credit Card and Debit Card is not just a bank detail; it shapes how lenders see someone. One spends saved money, the other borrows for a short period and reports that behaviour to bureaus. Once this […]

Intro Paragraph Most households lean on two simple banking tools to manage money: a transaction friendly savings account and a time bound fixed deposit. Confusion begins when both are treated as the same. A savings account is a day to day pocket with instant access, while an FD is a commitment for a set period […]

A couple of years ago, my cousin Pooja was busy planning her wedding. Flowers, outfits, photographers — her calendar was packed. But just a month before the big day, her father had a sudden heart attack. Between ICU charges, tests, and medicines, the bills crossed ₹4 lakh in a week. The family wasn’t ready for […]

Dividend yield funds appeal to investors who like steady cash flows and a calmer ride than pure growth strategies. These schemes primarily hold companies that regularly share profits as dividends. In a market where prices swing, dividend yield funds can help an investor keep a stream of income while staying invested in equities for long-term […]

For most riders, a two wheeler is daily transport and a valued asset. A careful buyer checks mileage and service costs but often rushes through the paperwork that protects the vehicle. A little homework on bike insurance can prevent claim shocks later. This guide lists the essential dos and don’ts before choosing a bike insurance […]

On a warm evening in Indore, Arjun watched the chai stall close and told himself he wanted to stop working before grey hair showed up. He did not dream of yachts. He only wanted slow mornings with his son, time to coach the local cricket kids, and the freedom to say no to late office […]