“If money solves problems, why does financial stress increase as we earn more?” In your mid-30s, you’re likely earning more than ever. You’ve climbed the career ladder, made smart decisions, and unlocked a life of possibilities. Yet, if you’re honest, the anxiety hasn’t faded—it has shifted. The worries of your 20s—paying rent, affording a car,…
Let’s put things into perspective. If you have ₹1 crore today, you might feel financially secure. But have you considered what that amount will be worth in the future, thanks to inflation? Assuming an average inflation rate of 7% per year: This means that even though you may have a significant amount saved up, inflation…
Imagine receiving a bonus, winning a lottery, or getting a tax refund — exciting, right? The urge to splurge hits instantly. Introducing the “House Money Effect”: the psychological phenomenon of free cash. Unexpected windfalls feel like play money, don’t they? This common behavior leads us to relax our grip on our wallets. With newfound funds…
Investors have invested nearly Rs 55,000 Crore in thematic funds in the last six months. Why does it matter? Mutual funds have witnessed an inflow of Rs 1.4 lakh crore in the past six months, with nearly 40% going into thematic and sectoral funds. Sectoral and thematic funds are riskier because they are less diversified…
In the last year, the inflows in the mid-cap and small-cap funds have risen due to their phenomenal performance. Investors flock to these funds, hoping to earn stellar returns, ignoring the risk. Why it matters? SEBI, in its consultation paper, has proposed that all mutual funds disclose risk-adjusted returns instead of returns. This risk-adjusted return…
The Union Budget 2024, announced by Finance Minister Nirmala Sitharaman, has brought several significant changes to personal finance, particularly in income tax slabs, standard deductions, and capital gains tax. 1. New Income Tax Slabs for FY 2024-25 (New Tax Regime) These changes aim to provide more disposable income to the middle class and encourage the…
As per QS Rankings, Harvard University is ranked number four globally. Today, a two-year MBA tuition fee at Harvard is Rs 1.21 Crores. These fees exclude indirect expenses like living expenses, travelling expenses, utilities, monthly expenses, etc. Why does it matter? Zoom In What Next? It is advisable to seek professional help to ensure you…
NHCX (National Health Claim Exchange) is a digital platform developed by the National Health Authority (NHA) and the Union Ministry of Health and Family Welfare. It was developed on the recommendation of IRDA and NHA. Why it matters? Zoom In What Next? Disclaimer. Mutual Fund investments are subject to market risks, read all scheme related…
The results are out for the 2024 Lok Sabha Elections. This could probably be the biggest event of the year. Against the exit poll projection of 360–400 seats for the BJP-led NDA and upwards of 320 for the BJP alone, the final tally is more like 292 for the NDA and 240 for the BJP….
I am sure most of you here are about to start your investing journey. Trust me, it is one of the best ways to put all that hard-earned money to use. There are many ways by which one can invest, or in our case, start their investment journey, like investing in bank fixed deposits, post…