Are you postponing these 5 financial decisions?

Are you postponing these 5 financial decisions?

It is always ideal that you practice a good discipline when it comes to your financial life and to do so it is imperative that you prioritize and set your financial life in order. Life is challenging and comes up with the most unexpected events at the most uncertain times. In order to avoid hassles for your dependants and to keep everything about your finances at ease, you should plan and set straight your financial life in order at the earliest. This article is to take you through those five…

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5 Point Asset Classification for Beginner Investors

5 Point Asset Classification for Beginner Investors

Your money goes into different places or things when you choose to save or invest and they are called Asset Classes. If you didn’t know, all your investments are classified, and it’s better if you keep that information as classified! Asset Classification or Asset classes: Let’s say you have invested in a Fixed Deposit and PPF. Both are different financial instruments, but deep down both are secure products, with minimal risk and fixed returns which are predefined. The similarity in their characteristics is because they both belong to “Fixed Income”…

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Scoring it right with CIBIL

Scoring it right with CIBIL

Life can just knock us down completely sometimes. Sickness, business or job loss, bankruptcy or the prolonged illness of someone in the family can rig a hole in our finances. It is the time that has you avail more credit and default on payments. This hits your credit rating bringing down your credit score making it difficult for you to avail further credit.   Re-building your credit score is sometimes the toughest of things. It is difficult but not impossible. Most importantly, it takes time, perseverance and financial discipline. Here’s…

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Your finances this week: Know how to use your salary increment wisely

Your finances this week: Know how to use your salary increment wisely

This is the time of the year when most companies hand out increment letters to their employees. You may have also your salary hike details in hand. It is one of the best feelings to be appreciated for the work you put in for your organization and given a handsome reward in the form of a decent pay hike. However, a good salary hike does not really mean a signal to go on an extended binge when the extra money starts flowing in with your salary slip. Instead, you should…

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Techie? Here’s how to duck the pink slip arrow and stay afloat financially.

Techie? Here’s how to duck the pink slip arrow and stay afloat financially.

News has been slowly making it to the headlines and India is probably facing its worst job crisis in over a decade now. After start-ups and the e-commerce giants, it is now the IT sector that is trying to get in shape with lay-offs. The pampered new-age techie is capable of going into a personality coma if he is a casualty of the layoff and it’s needless to talk about the 5 year old tenured techie with EMIs. Here are a few tips to shield, steer, and safeguard finances and…

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#6 Steps to Plan Your Finances Before You Turn Entrepreneur

#6 Steps to Plan Your Finances Before You Turn Entrepreneur

To be used only during emergencies, there should be a separate sum of Rs 2-3 lakh kept in the bank Starting a business is tough. The sweat and the sacrifices can take a toll on a start-up ninja. But what’s tougher is keeping it afloat long enough for it to pick up traction. Your business starts with you, so it will be extremely important to keep your very own personal finances in order. Apple’s Steve Jobs, Microsoft’s Bill Gates, Infosys’ Narayana Murthy or Paytm’s Vijay Shekhar Sharma made it big…

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To find hidden gems, track PE ratio! 15 stocks which more than doubled in last 1 year

To find hidden gems, track PE ratio! 15 stocks which more than doubled in last 1 year

Companies which have a low P/E multiple compared to industry P/E have given exceptional returns of up to 280 percent. There are a lot of methods which can help you pick the right kind of stocks for trading, but for investment, focus on few parameters which could help you to pick winning bets. A small analysis run on BSE 500 companies on return on capital employed (RoCE) and Price-earnings (P/E) ratio threw many companies which have outperformed Sensex returns in the last one year. These companies have either more than…

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9 solid tips to help you make more money in stocks & lose less

9 solid tips to help you make more money in stocks & lose less

Every investor hopes to be successful on Dalal Street, but very few succeed in making it big. Equity is the simplest way for an investor to participate in a business as a part owner. Equity investment can also enable direct participation in the growth of nation’s or global economy, and thus wealth creation. While it has been proven over centuries that the equity route is the best way to create wealth, the same asset class has also seen immense wealth destruction at times. Compounding miracles Einstein once famously said: the…

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Losses in investment are inevitable, but manageable

Losses in investment are inevitable, but manageable

Let’s face it, we all go through times when our financial decisions have gone wrong. A stock that plummets, a deposit friendly and high-interest finance company going bust, or a bond which is on to dangerous levels of default. Great, if we can press in the Ctrl + Z, to undo, but have we asked ourselves the big and important question about the flip side before we decided to invest? Anger and frustration are quite common during the time of adverse financial conditions, but our reactions decide our future approach…

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Look who was shopping! DIIs poured more than Rs 1 lakh crore in D-St to help Sensex reclaim 30K

Look who was shopping! DIIs poured more than Rs 1 lakh crore in D-St to help Sensex reclaim 30K

Furthermore, they pumped in nearly Rs 7,000 crore in April to help the 30-share index record a fresh intraday high of 30,167.09 on Wednesday. It was not regular foreign institutional investors (FIIs)—considered to be the backbone of Indian markets—but domestic institutional investors (DIIs) who led the rally on D-Street from March 2015 when Sensex recorded its previous all-time high levels 30,024.74. DIIs poured in over Rs 1 lakh crore in Indian equity markets from March 2015 to March 2017 and nearly Rs 7,000 crore in April to help Sensex record…

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