Found 32 Articles for Insurance & Investment

What are the things one need to keep in mind before investing in mutual funds?

Madhuparna
Updated on 30-Jul-2019 22:30:24

48 Views

If you are looking to invest in capital markets and create wealth with comparatively low-risk exposure than the stocks, investing in mutual funds would be a smarter choice. Moreover, it’s important to start earlier as it helps you earn and save more in the long run while lowering your exposure to the equity markets. When I started investing in mutual funds, there were a few things I had in mind:Know Your GoalYou must have a goal in mind before you plunge into and wish to make a profit from mutual funds. For example, you may want to invest for short-term ... Read More

What is the difference between CDSL and NSDL?

Shanmukh Pasumarthy
Updated on 30-Jul-2019 22:30:24

125 Views

CDSL stands for Central Depository Services India Ltd and NSDL stands for National Securities Depository Ltd. Depository refers to an organization which holds the stocks of investors and shareholders. NSDL and CDSL are the two apex depositories in India. Just like banks take care of cash and deposits, they hold bonds, stocks etc for the shareholders in electronic form.Functioning of CDSL and NSDLWe need not send share certificates physically for transfers like in the old days, the NSDL and CDSL help to convert and hold shares in the Demat form. Since their establishment, we received huge contributions from both these ... Read More

What do the terms 'Future' and 'Options' mean in share market?

Knowledge base
Updated on 21-Apr-2022 11:06:49

70 Views

Future and Options are the common forms of derivatives. The major difference lies in the way the gains are received by the different parties.An option is having the buyer right to buy or sell a share. But it is not an obligation to buy or sell a share at a certain specified time or price, during the duration of the contract.A Future contract gives an obligation, which is to buy a specified asset to the buyer, as well to a seller to sell or deliver that asset at a specific future date unless the holder’s position is closed prior the ... Read More

What do the terms copay, Coinsurance and Deductibles mean?

Knowledge base
Updated on 30-Jul-2019 22:30:24

108 Views

Copay, Coinsurance, and Deductibles are the insurance terms mostly used in the US.CopayThis is the amount paid by patients to the doctors, as per the rules of the insurance company. The amount to be paid by the patients is decided by the insurance company, while it doesn’t help in paying any amount.CoinsuranceAlmost all the US citizens have health insurance, usually multiple ones. Some might have only one and in that case, the remaining amount to be paid after the first insurance payment is called as Coinsurance.The patients usually have three types of insurances called Primary, secondary and tertiary.If a patient ... Read More

Being a beginner, should I go for blue-chip companies or mid-cap to invest in a mutual fund?

Shankar Bhatt
Updated on 30-Jul-2019 22:30:24

41 Views

Before leading up to the stairs of the share market, investors, especially beginners experience the dilemma between what to choose and what not. Investors come across a number of situation where they have to choose one over the other. For instance, Blue Chip or Mid Cap. Let’s find out what exactly they are?Blue Chip CompaniesIn a layman’s terms, a Blue Chip company holds a huge market share, a huge number of customers, grand brand value, offer good liquidity in stocks, render great turnover in business, tracked by all Stock Research houses etc. These are some bright sides of a Blue ... Read More

What are the things one need to keep in mind before investing in share market?

Madhuparna
Updated on 28-Apr-2022 11:50:25

77 Views

Investing in shares is definitely an alluring proposal when you have that spare cash, however, it's a risky endeavor that needs some careful thought before you plunge in. While you can earn great rewards most of the times, but when not researched properly it can bring on a huge financial disaster. The risks and the uncertainty attached to shares is what makes one think twice before they get into it. Here are a few things that you should keep in mind before investing in stocks.Research Before You Buy − Runs quick research on the company and its performance in the ... Read More

What are the golden rules for handling your money?

Dev Kumar
Updated on 26-Jun-2020 12:14:45

139 Views

There are many interesting descriptions of money - "like water", "slippery", "fuel" and lot more. It has been defined on the basis of perceptions by different individuals in different situations. For some it has viscosity like water, and therefore needs to be held in place; in other words, it needs to be saved and managed securely.Managing May Also Be InvestingWhen we talk about managing money, it usually refers to the proper utilization of money which includes expenditures, investments, and incomes. It depends on the individual how he sees his expenditures because, in many situations, they tend to become investments, e.g. ... Read More

I have recently sold a property worth Rs. 20 Lakh but I have no clue where to invest this money and get decent returns. Please suggest!

Dev Kumar
Updated on 28-Apr-2022 09:31:02

64 Views

Hopefully, you sold it at a much higher price than what you had bought it for. One great thing about real estate is that there's no depreciation in the value and there is guaranteed appreciation although the percentage varies, which is absolutely normal. Now, if this was the only piece of real estate you ever had, then you should focus on acquiring another property that is more compatible with your present situation, e.g. conveniently located from your place of work, potential of infrastructure development in the near future, secure gated community and other standard amenities that most residents expect. Having ... Read More

How can I increase my monthly savings?

Rashmi Iyer
Updated on 13-May-2022 07:32:13

83 Views

Inflation has hit many areas of in the lives of the people. Each and every product from electronics to grocery has hit skyrocket price. Hence, there is always a burden on each individual as the expenditure is on the higher side leaving no scope for savings. People are often in a fix on how to save sufficiently each month.Here are some methods that can help in increasing the monthly savings:Spend only on NecessitiesThe excessive expenditure often happens when the individual is keener to spend on luxury items than the necessities. These luxury items pinch your pockets and often need to ... Read More

Other than Insurance, which product gives me more return than Fixed Deposit?

Om Sharma
Updated on 28-Apr-2022 05:27:51

42 Views

Go for PPFVery much popular as a long-term investment plan, PPF (Public Provident Fund) can be one of the profitable investment options for you as the Government of India has recently announced that the interest rate on PPF will be revised every year. However, for the year 2017-18, PPF account holders will get an increased interest rate of 8.1 percent. Also, many government and private banks are offering profitable PPF plans with varied interest rates. More important, You get the tax rebate on investing in PPF.Mutual Fund (SIP)Investing in share market through mutual funds is a practice done widely with ... Read More

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