Algorithm and Data-driven Equity Research: Featuring Nirmal Bang and Algobazar

An algorithm can be used and explained differently, depending on the usage itself. As far as the use of algorithms in the stock market is concerned, algorithms are tools that perform analysis of market data, trade execution, and investment portfolio management. An algorithm in itself can be anything from a simple calculation to a complex machine-learning model. An algorithm can be designed to predict market movements, by equity investors and traders.

Mr Ankit Pande

Mr Ankit Pande is a Fund Manager at Quant Mutual Fund and has a total experience of over 17 years. Mr Pande is a CFA from Charlottesville, USA and an MBA from CUHK Business School, Hong Kong.

How to Select Healthcare for Parents

The premium collection in health insurance in India has nearly tripled in the last eight years. Despite this consistent growth, there are around 40 crore Indians who have no access to health insurance. The relatively recent growth also signifies that health insurance has not been a priority for most Indians until recent decades. Chances are that your parents too, didn’t consider it during their active years. If so, is it too late to get them under a health insurance cover now?

The Benefits of Education Loan

Education loans carry a lower interest rate than personal loans. A moratorium period is associated with education loans, during which neither the student nor the bank is obligated to receive EMI payments.

Difference Between Shares and Debentures

A business can raise money through debt and equity. Funding for growth, expansion, R&D, new product marketing, etc., could be required. When it needs money, a business has two options: debt or public stock offerings. Debt can also take many forms: loans, bonds, and debentures.

What is Exit Load in Mutual fund

An exit load is a fee that a mutual fund company charges clients who cash out or sell their units before a specific date. exit load is meant to stop short-term trading and compensate for any costs that might come up when units are redeemed early. By charging a fee for early redemptions, mutual funds try to protect long-term clients from the harmful effects that short-term trading might have..

Things to Consider Before Buying Travel Insurance

In the event that you believe that you are the only person who does not believe that travel insurance is vital, you should reconsider. The majority of the people in your immediate vicinity do not comprehend or care about purchasing travel insurance prior to departing for a vacation. The reason for this is that they believe that the money will not be worth it and that they will not experience any consequences because they are extremely cautious and in command of the circumstances. In two-wheeler insurance, IDV stands for Insured Declared Value the insured declared value (IDV) represents the maximum coverage limit for your bike. The insurance coverage will pay out this amount in the event of a complete loss of the two-wheeler or an irretrievable theft. The insured declared value refers to your bike's current market value.

Guide to IDV in Bike Insurance

In two-wheeler insurance, IDV stands for Insured Declared Value the insured declared value (IDV) represents the maximum coverage limit for your bike. The insurance coverage will pay out this amount in the event of a complete loss of the two-wheeler or an irretrievable theft. The insured declared value refers to your bike's current market value.

Difference Between Life and General Insurance

Everyone wants to feel safe in their own skin, in their own money, and in their own health and wellness. The word "insurance" conjures images of safety and security. You can choose from a variety of policies that cover different types of hazards. No matter what you're looking to protect—your life or health, your loved ones' or your own financial future, the growth of your money, or a precious tangible asset, insurance meets all your needs.

Best Ways To Invest In Gold: A Simple Guide

Gold has been a prominent investment choice for individuals for millennia. Previously, individuals had few options for investing in gold, mostly confined to owning gold in physical form or as jewellery. Today, with advancements in the world, people have several investment options in gold to achieve significant profits in the long run.

Understanding Retail Insurance: A Comprehensive Guide

Retail insurance, or what is retail insurance as it's commonly referred to, plays a crucial role in protecting businesses from potential risks and lawsuits. Insurance policies can safeguard businesses against eventualities, including customer injuries, property damage, cyberattacks, and employee issues. This comprehensive guide aims to provide an in-depth understanding of retail insurance, its various types, costs, and how to procure it.

Lifestyle: Today’s Concept, Tomorrow’s Reality

Breathtaking architecture and tiki-taka football took the backseat in Barcelona for a while, as the Catalan city hosted the Mobile World Congress recently. If you missed out on the event, here is a glimpse of the gadgets of the future.

The Winning Spirit: Exploring the Indian Alcohol and Liquor Industry

The Indian alcohol and liquor industry is of interest to people who enjoy the occasional tipple, as well as the teetotallers. The industry is finding its way into the portfolio of many investors, who are convinced by the increased market presence and financial robustness of Indian liquor houses.

Insurance Sector Gets New E-Marketplace

Building digital public infrastructure has emerged as a key priority for the government in recent years. You name a public service, and there is a portal for it. The Insurance Regulatory Authority of India (IRDAI) has recently announced the launch of an e- marketplace for insurance.

SEBI Restricts International Investments: Explained

If you have been investing in fund of funds (FoF) that invest in foreign-listed Exchange Traded Funds (ETFs), you need to read on. The Securities and Exchange Board of India (SEBI) has asked such FoFs to stop taking contributions towards investments in overseas ETFs from the beginning of the financial year.

Old Regime and New Regime of Income Tax: Key Snapshots

Income tax filing in India bears a different look these days, specifically after the introduction of the new tax regime. Since its introduction in the Union Budget 2020, most taxpayers have had a detailed look at the new regime and compared it to the old one.

Mr. Aakash Manghani Fund Manager - Equities at Trust AMC.

He brings with him a wealth of experience and expertise in the role. In his previous capacity as a Fund Manager at ICICI Prudential Life Insurance, Aakash managed a 6,500 crores portfolio in AUM, specializing in Flexi Cap and midcap strategies.

All About Non-Convertible Debentures

Non-convertible debentures (NCDs) provide corporate entities with the opportunity to raise capital. For investors, it is an investment that can generate fixed returns. It is an important financial instrument for companies that want to look beyond stocks, corporate FDs and other conventional fund-raising instruments. NCDs play an important role in the Indian financial landscape. Let us understand this debt instrument in all its details.

The Hidden Costs of International Travel

There is nothing more exciting than the prospect of international travel. It could be the fulfilment of a lifelong ambition, and an opportunity to explore new cultures, cuisines, and landscapes. Not to mention, the rush we will get by posting the pictures on Instagram!

Guide to Retirement Planning

Retirement—it's a phase of life that many of us look forward to with a mix of anticipation and anxiety. On one hand, it promises freedom from the daily grind; on the other, it raises concerns about financial security. Retirement planning is not just about money; it's about preparing emotionally and financially for this significant life transition.

Understanding SIP vs Lumpsum Investment: A Detailed Comparison

This article provides a detailed comparison between SIP and lumpsum investment in mutual funds, It explores the pros and cons of each method, considering aspects like equity market volatility, tax-saving opportunities, and the potential for higher returns.

Guide to Motor Insurance

Welcome to a comprehensive guide to motor insurance in India. If you own a vehicle, having the right motor insurance policy is essential for your peace of mind. In this guide, Moneyedge will provide you with all the information you need to understand motor insurance and make informed decisions to protect your ride.

In India, What Are the Different Types of Corporate Bonds?

Among the most efficient financial vehicles, bonds provide a steady stream of income to the investor without exposing them to a huge loss of capital. Bonds offer investors the best chance to systematically hedge against the decline of other asset classes. Investors love corporate bonds more than any other kind of bond. However, as there are different types of corporate bonds, it is important to learn about each one of them.

Difference Between Equity Shares and Preference Shares

A company's ownership is represented by its equity shares. Preference shares, however, have a higher claim on the assets and earnings of the business. Additionally, the primary distinction between preference and equity shares is the ability to vote and the right to receive dividends and assets from the corporation. Preference shareholders have preferential claims over the company's assets and earnings, whereas equity shareholders can vote. The distinctions between preference and equity shares are enumerated in this article. Let's first review equity and preference shares before comparing them to equity shares.

Understanding Cash Flow

Understanding cash flow is crucial for business owners, investors, and financiers. It provides a snapshot of a company's financial health, showing how capital moves in and out of the business. This comprehensive guide will explore the concept in detail, delving into its uses, types, and how it's calculated.

Tried a Systematic Transfer Plan Yet?

In a Systematic Investment Plan (SIP) you transfer a certain amount of money from your bank account to a mutual fund scheme(s) of your choice at a fixed interval. Here your money source is your bank account, while your investment is the mutual fund scheme. But what if you can transfer money from one investment to another, SIP style? This is what a Systematic Transfer Plan (STP) is, in a nutshell.

8 Types of Business Loans in India.

Businesses, regardless of size, often require additional funds to meet daily operational needs. The necessary finance is influenced by the business's capital intensity and its stage of development, whether it is in the genesis, growth, or maturity phase.

Understanding a Good Credit Score in India

A good credit score is crucial when applying for loans or credit cards. It measures an individual's creditworthiness and indicates how responsible they have managed their credit. In India, credit scores typically range from 300 to 900 and are categorized as no score, low, fair, reasonable, and excellent. Lenders, such as banks and non-banking financial institutions, rely on these scores to assess an individual's credit risk before approving their loan or credit card application.

Burglary Insurance: Types and Features

Burglary insurance is vital to safeguarding your assets and ensuring financial security in the face of theft or property damage. Whether you're a homeowner or a business owner, having adequate burglary insurance can provide you with peace of mind and protection against unforeseen circumstances.

How to Plan Your Investment for this Financial Year

The start of a new year is a great time to focus on something that affects our daily lives and our plans for the future: the health of our funds.

Stock Market vs Share Market: Key Differences

The investing world can be daunting, especially regarding the stock and share markets. Are they the same thing? How do they differ? What are the benefits and risks associated with each? This blog will break down the key differences between the two markets and provide a comparative analysis of stocks vs shares.

Comprehensive Guide to ETF

Investing in the financial market offers various opportunities for individuals to grow their wealth and achieve their financial goals. ETFs have gained significant popularity among the many investment options available due to their unique features and benefits. In this guide, we will delve into the world of ETFs, exploring what they are, how they work, and why they might be a suitable investment choice for you.

Guide to Form 12B

Form 12B is an income tax form that needs to be submitted by individuals who join a new organization in the middle of the financial year. It is an important document that helps in ensuring accurate tax deductions and savings. When an individual switches jobs, it becomes necessary to provide details of their previous income and tax deductions to the new employer. This is where Form 12B comes into play.

Difference Between Mediclaim and Health Insurance

Healthcare costs are rising, making securing financial protection against unforeseen medical expenses essential. In this article, we'll delve into the distinction between mediclaim and health insurance to help you make informed decisions regarding your healthcare coverage.

Loans and Advances

In finance, loans and advances are pivotal in providing individuals and businesses with the necessary financial resources to meet various needs and goals. Both loans and advances are credit extended by banks and financial consultants, yet they possess distinct characteristics and serve different purposes.

What Is a Derivative Market in the Stock Market

Derivatives are an essential part of the financial system, and understanding them can be crucial for investors who want to make informed decisions. In this blog, we will dive deep into derivatives, starting with their definition and role in the market. We will explore the different types of derivatives and their characteristics, as well as the link between derivative contracts and stock prices. Additionally, we will discuss trading strategies and prerequisites for investing in derivatives, including risk management. Lastly, we'll address the question that is on every investor's mind: Are derivatives a high-risk investment? Join us in this journey to understand the derivative market better, including the derivatives segment.

Most expensive watches ever auctioned

The list of expensive watches ever sold at an auction is heavily dominated by one name, Patek Philippe. The list is punctuated by a surprise Hollywood connection too!

The Role of Artificial Intelligence in Revolutionising Quantitative Finance

Quantitative finance, mathematical finance, and financial mathematics are all related terms that denote the use of mathematical and statistical modelling to analyse big datasets. These datasets are related to the financial markets, securities and other asset classes. Quantitative finance helps in analysing investment opportunities in the financial market, and various scenarios surrounding it.

Ideal term insurance with respect to your salary

An integral part of financial planning is to secure your and your family’s financial future through insurance. Term insurance sum assured offers substantial financial protection for the family, in the event of the death of the policyholder. Your salary is an indicator of the sum assured you should go for, but not the only one. There are various methods and considerations that you must factor in while deciding your term insurance coverage.

Mutual Funds AUM Crosses Rs 50 Trillion

As the calendar year 2023 ended, the Assets Under Management (AUM) of the Indian Mutual Funds industry stood at Rs 50.78 trillion. The AUM figure has more than doubled in the last five years. The recent stock market rally has played its part in helping the industry achieve this magic figure.

Digit: Giant Strides in Insurtech

Digit Insurance’s brief stint in the Indian Insurance industry has made it a trailblazer among Insurtech startups. It has been barely six years since Digit sold its first insurance policy, and it is already one of the recognisable brands in the industry. In 2021 it joined the august league of Indian unicorns, becoming the first Insurtech startup to be valued upwards of the billion-dollar threshold. This makes Digit Insurance a startup success story that we are tempted to look deeper into.

What have been the major developments in Indian equity markets in the recent past?

Indian equity markets flagship Index, Nifty-50 recovered by approximately 6% month on month in Nov-23. From 20,133 on 30 November 2023, Nifty-50 zoomed to 21,900+, an all-time high. From the end of November 2023 till mid-Jan 2024, Nifty Small cap 250 went up from 13,300 to 14,500. Similarly, the Nifty Midcap 150 index has gone from 13,250 to 14,550. Among the various sectors, automobiles, infrastructure, capital goods, industrials and real estate had the best performance in 2023.

Interim Budget 2024 – Key Highlights

Finance Minister Ms Nirmala Sitharaman presented the last budget of the incumbent NDA government at the parliament on 1 February 2024. Sitharaman, who is India’s first full-time woman finance minister, presented her sixth consecutive budget. At 58 minutes, it was also her shortest presentation.

IPO Watch: Review of 2023

Initial Public Offerings (IPOs) are a source of buzz and excitement in the financial world, and 2023 didn’t see a shortage of IPOs in India. After China, India had the highest number of IPOs in the calendar year 2023. With a year-on-year increase of nearly 56%, it is the highest annual growth of IPOs in the world. A total of 240 IPOs were available for subscription during the year. This included 58 main board IPOs and 182 small and medium enterprise IPOs.

How Artificial Intelligence is Transforming the Financial Services Industry

The financial services industry has seen wave after wave of digital evolution in recent times. It doesn’t seem long ago when the heaps of files on the banker’s desk were replaced by a desktop computer. Soon you were busy setting up netbanking profiles and no longer queuing up in branches for money transfers.

A Complete Guide to Loan Against Equity Shares

Are you in need of urgent funds but want to keep your equity shares? You can consider Loan Against Equity Shares. It allows you to use your shares as collateral to obtain high-value loans at competitive interest rates. This guide explains the features of this financing option, how it operates, its advantages, and effective management. It also discusses overdraft facilities and provides tips for wise utilization. So, read on to learn about this unique financing solution and make informed financial decisions.

The US SEC approves Bitcoin and Why India get on board

With the stroke of a pen, a new asset class is created. Well, not exactly; a new asset class has been legalized. Cryptocurrencies are now a legal asset class after the U.S. securities regulator approved the first US-listed exchange-traded funds (ETFs) to track bitcoin.

Comparing XIRR and CAGR

When evaluating investments or assessing the performance of financial assets, two essential metrics often come into play: CAGR (Compound Annual Growth Rate) and XIRR (Extended Internal Rate of Return). These metrics are fundamental in providing insights into the growth and profitability of investments, yet they differ in their approach and application.

Guide to Top-Up Home Loan

Owning a home is a dream that many individuals aspire to achieve. A home not only provides a sense of stability and security but is also a valuable investment asset. Sometimes taking a home loan isn’t sufficient enough to cover the various additional expenses you might incur while purchasing a home. From construction expenses to debt consolidation, the list of potential expenses you might acquire is endless. Thus, in order to tackle and settle this problem, top-up home loans act as a viable solution.

Guide to ELSS

Are you on the lookout for tax-saving investments that not only secure your financial future but also offer attractive returns? Enter ELSS, an acronym for Equity Linked Savings Scheme, an investment avenue under Section 80C of the Income Tax Act. Let’s start with what ELSS is and how to invest in it.

How to Invest in Private Equity and How it Works

Private equity is a dynamic investment avenue, offering unique opportunities for investors seeking substantial returns in the financial landscape. In this comprehensive guide, we'll unravel the intricacies of private equity investment, from understanding its fundamentals to exploring its landscape in India, different types, key features, and examples of successful ventures.

IPO vs FPO: Understanding the Dynamics of Primary Market Offerings

The differentiation between l public offers (IPOs) and follow-on public offerings (FPOs) is a critical distinction that impacts investment environments and shapes the course of enterprises. These initial public offerings are critical turning points in a business's life cycle that determine how easily it may raise money and provide investors with chances to contribute to its expansion.

The Comprehensive Guide to Corporate Finance

Corporate finance forms the bedrock of organizational financial management, guiding crucial decisions and strategies determining a company's success. From sourcing funds to optimizing investments, understanding the facets of corporate finance is pivotal for businesses. This comprehensive guide will delve into various aspects, including types, importance, sources, principles, and the nature of corporate finance.

Detailed Guide To Sovereign Gold Bonds

Sovereign Gold Bonds (SGBs) offer a unique and secure investment avenue for individuals keen on diversifying their portfolio with gold. Issued by the Reserve Bank of India (RBI) on behalf of the Government of India, these bonds provide an opportunity to invest in gold without the hassles of storing physical gold. They come with additional benefits like fixed interest rates and capital appreciation linked to the prevailing market prices of gold. Moneyedge aims to guide you about Sovereign Gold Bonds, offering insights into their features, benefits, eligibility criteria, and the process of investing in them.

The Types of Real Estate and Its Advantages in Investing

Real estate investing is one of the tried and true methods of generating money in India. The beautiful thing about investing in real estate is that you don't have to wait for the appropriate moment to profit since you can always rent it out. Most newcomers in this industry understand how to produce active and passive revenue from their property investment. They don't need to know how many different sorts of real estate properties exist.

Pre IPO Investment in India

Pre-IPO investments have gained substantial attention among investors seeking early access to promising companies. The pre-public stage presents a unique opportunity to invest in a company before it goes public, offering potential advantages and opportunities.

Guide to Unlisted Shares in 2023

Have you ever wondered how to invest in unlisted firms and buy unlisted shares for future growth? While unlisted firms are not traded on stock markets, they can provide attractive profits. However, investing in them differs significantly from purchasing normal stocks since SEBI and the Securities and Exchange Board of India do not regulate them.

Understanding Xirr in Mutual Funds

Navigating mutual funds may be both exhilarating and intimidating.. Among the various metrics used to assess the performance of these funds, XIRR (Extended Internal Rate of Return) stands out as a crucial indicator of profitability and efficiency.

Rochon-alysing the Indian stock market

What if we apply the Francois Rochon school of investing to the Indian context? Of course, some of his four-part process uses discretion. However, here is what you would find if you were to run this philosophy in the Indian context.

How to outperform the stock market like François Rochon

François Rochon is a prominent name in the world of value investing. He has a phenomenal earnings record from his long-term investments, averaging more than 15% in the last 27 years. Starting in the early 1990s, Rochon based his investment philosophy on the successful templates set by investing stalwarts like Warren Buffett, Benjamin Graham, John Templeton, Philip Fisher and Peter Lynch. Their successes inspired him to become a long-term value investor, but not without adding his signature style along the way.

Fintech Trends for 2023 and beyond

Technology-driven products and service delivery have brought about a monumental evolution in the financial sector. All of these changes are categorised under the umbrella term, financial technology. Fintech companies have emerged as disruptive forces, revolutionising the finance industry with cutting-edge technology.

Stock Market Simplified

Teenage and young adulthood are ideal stages in life to learn about finance. By teenage, most people get a fair idea about money management. But it is comparatively rare for teenagers to grasp exactly how money grows. Among the simplest ways of explaining this is to make them understand the concepts of fixed and variable return on investments, the power of compounding, risk-reward relationship, etc.

A Defense Fund to Your Mutual Fund Arsenal

While the gunshots across Ukraine’s Dnipro River are yet to fade away, news of fresh hostilities is coming in from the Israel-Gaza border. Perhaps Bob Dylan was right, peace is the time it takes to reload a rifle. The sad reality of life is that even after thousands of years of existence, humans have not yet learned how to live peacefully.

Has the UPI Dream Run Only Started?

Exactly seven years ago, there were 25 banks live on UPI, with a transaction value of Rs 32.64 crores on the interface during September 2016. Fast forward to September 2023, and the monthly transaction value stood at Rs 15.79 lakh crores! Even the number of banks live on UPI has now increased to 492.

Fascinating Facts about Muhurat Trading

Muhurat is the most auspicious time of the day to do or start something. What about the most auspicious time to trade on the most auspicious of days, Diwali? That's what Muhurat trading is all about.

Thematic Funds vs. Sector Funds

Investing in mutual funds has become an increasingly popular choice for individuals seeking to grow their wealth in India. Within mutual funds, two distinct categories that have garnered attention are thematic and sector funds. Both offer unique opportunities and cater to specific investment goals.

Differences Between Technical and Fundamental Analysis in Indian Financial Markets

In the ever-evolving landscape of the Indian financial markets, investors are presented with various tools and methodologies to help them make informed decisions. Two prominent techniques that have emerged as pillars of economic analysis are technical analysis and fundamental analysis.

Extensive Guide to Capital Gains in India: the Various Types and Exemptions

Capital gains are a cornerstone in personal finance, crucial for informed decision-making in India. This comprehensive guide dives into the intricate world of capital gains, focusing on the myriad types and their associated exemptions. From the distinctive characteristics of short-term and long-term capital gains to the significance of other variations, this article comprehensively examines capital gains in India.

Understanding Lumpsum Investments in India

Investing your hard-earned money is a wise choice, and lump sum investments are one way to do it. Moneyedge will walk you through the guide of lumpsum investments in India, compare them with Systematic Investment Plans (SIPs), and help you pick the suitable funds for your lumpsum investment.

Mutual Funds vs Index Funds: Unveiling the Key Differences

In the dynamic world of financial investments, mutual funds, and index funds have risen as two distinctive paths for Indian investors to cultivate their wealth.These investments provide distinct benefits and appeal to various investor interests. This elucidated article will delve into the intricacies of mutual funds and index funds, explicitly focusing on India. By the conclusion, you will possess a clear understanding of what distinguishes these investment avenues.

Key Difference between Term Insurance and Life Insurance

Insurance is a critical instrument in protecting your family's financial future. Understanding numerous products, particularly life insurance, can be difficult. However there are two types of insurance policies:

Beginner’s Guide to Term Insurance in 2023

Term insurance is a straightforward form of life insurance that offers coverage for a set period known as the "term." Unlike permanent life insurance policies like whole life or universal life, term insurance focuses solely on providing a death benefit to your beneficiaries if you pass away during the policy term, which makes it a cost-effective and straightforward option for life insurance coverage.

6 Upcoming Personal Finance Changes: How Do They Affect You?

Overseas expenses on credit cards exceeding ₹7 lakh will be subject to a 20% TCS. However, if such expenses are incurred for medical or educational purposes, the TCS would be levied at 5. A low TCS rate of 0.5% would be levied above the ₹7 lakh threshold for those availing loans for overseas education. Difference Between Fixed and Recurring Deposit

Difference Between Fixed and Recurring Deposit

Fixed deposit and recurring deposit are popular investment options for individuals looking to grow their savings securely. Gaining an understanding of these differences will enable you to make an educated choice when selecting the investment approach that best fits your financial goals..

Significance of Portfolio Diversification: Know The Crucial Role of Building a Strong Investment Strategy

As we grow older, the importance of healthcare in our lives increases. The requirements evolve over time, shifting from one need to another. Healthcare insurance for senior citizens is a necessity to protect them from the perils of ailing health. Diagnosis and correct treatment is essential to make a difference to their lives.

Health Insurance For Senior Citizens: 6 Imperative Features To Look Out For Before Buying a Plan For Elders

As we grow older, the importance of healthcare in our lives increases. The requirements evolve over time, shifting from one need to another. Healthcare insurance for senior citizens is a necessity to protect them from the perils of ailing health. Diagnosis and correct treatment is essential to make a difference to their lives.

7 Essential Features to Check Before Buying A Health Insurance Plan

The combined unpredictability of life and the economy has made health insurance a necessity for each and every individual. In case of a medical emergency, expenses can quickly mount; causing financial burden.

Simplifying IPO: Mastering the Art of Buying IPO Shares, Selecting Profitable IPOs, and Navigating the IPO Process

From Utkarsh Small Finance Bank, Bajaj Finance, to Yatharth Hospital, news about these upcoming companies having successful IPOs is widespread in finance. But what is the meaning of an IPO?

The Face of Startup Fintech Success in India: Zerodha

Startups typically look for financial backing beyond a point, get incubated and mentored and become an eventual success. So, in an age of pitch decks and angel investors, networking sessions and venture capitalists, it is unusual for a startup to take a solo trip towards success. But that is how Zerodha has climbed the ladder of success so far.

Banking Is Evolving into an Experience-driven Enterprise

People are now more open to integrating digitization into their day-to-day activities. COVID has accelerated digital acceptance, but the digital transformation has been developing over time. This has led to changes in consumer behaviour and even their preferences. As a result, traditional banking service practices are gradually fading away.

Silver ETFs something that you got to know about

Silver as a precious metal, is also considered to be an auspicious metal in India. Indian households buy silver jewellery on auspicious occasions and festivities. Moreover, Silver is also a very popular gift especially for young children and for decorative purposes e.g. for idols of deities. In developed markets, Silver is also an asset class from an investment standpoint.

A Guide for Young Investors

The sooner you bring your finances under control, the smoother your life becomes. It is never too early to start investing, even when you are only a few days into your first job. However, young investors are yet to understand the ways of the world completely. They are susceptible to making naïve mistakes that can undo a lot of efforts that they had put toward wealth creation. So, having a sound approach towards investing is very important for young investors.

Everything you need to know about Fractional Assets

Have you ever dreamed of owning a luxury car, a prime piece of real estate, or a rare piece of art?

LET IT RAIN:Interesting Times for Investors

What can possibly be said about the Indian monsoon that has not already been said? It is symbolic of nature’s bounty, productivity and prosperity. The importance of monsoons is omnipresent in our society

Cyber Fraud: How to Identify and Avoid the 6 Most Common Types of Cybercrime

Learn about cyber fraud and how it safeguards the digital life with Moneyedge. Stay ahead of social media scams, phishing, malware, and many more.

9 Fixed Income Products: Earn Stable Income with High-Interest Rates

In today's dynamic and volatile economic landscape, interest rates have witnessed a significant spike, presenting new challenges and opportunities for investors. As interest rates rise, Fixed Income products have become a focal point for financiers seeking stable and reliable income streams.

Thematic Funds: Know All About This Mutual Funds That Has Garnered Millennials' Interest

Thematic funds gained popularity in India only in recent times. With innovations steered by asset management companies, thematic funds have particularly garnered the interest of millennials. Thematic mutual funds are open-ended equity schemes that invest in equity or related instruments. It focuses on various businesses which are interlinked through a common theme. Some of the domains include banking, clean energy, and healthcare. They provide investors with exposure to a particular area of the market. Thematic investing can be attractive to investors who are looking at focusing their portfolio on a particular theme instead of investing in various types of stocks or other assets. This gives them a better grip on understanding an area and lets them invest their time and money in one area and not worry about other investment segments.

The Difference between Long Term & Short Term Investments

We often find ourselves torn between the desire for instant gratification and the need to secure our future.

Your Guide to Personal Financial Planning in 2023

John Jacob Astor's timeless quote, "Wealth is largely the result of habit," holds true even in 2023 because the key to financial success lies in cultivating the right habits. While forming habits can be challenging, learning eases the journey. That's why Moneyedge has curated a guide to help you develop consistent and rewarding financial habits for long-term success.

A Layman’s Guide to Fire Insurance

As the name suggests, fire insurance is purchased to ensure coverage against losses and damages caused by fire. It is a type of insurance product that is offered by all leading general insurance companies in India. With adequate fire insurance covers the policyholder can cover the risk of any loss of property caused by an accidental and unintentional fire.

SEBI's New Guidelines on ESG Mutual Funds

When you set out to look for a company to invest in, the financial robustness of the company is of great significance to you. And rightly so. Financially, it makes little sense to invest in a company whose financials are weak, whose sales growth is poor and/or whose business prospects are not promising.

A Look Back at Algo Technology

An algorithm is a defined set of instructions that are designed to conduct an activity or process. Although it has its origin in Arabian mathematics, an algorithm is now commonly associated with computer programming. Algorithmic trading is done using a computer program that runs on algorithmic instructions to carry out a trade. It is also known as automated trading, black-box trading, or algo-trading.

Debt Mutual Funds Lose Indexation Benefits

In one of the recently proposed changes in the Finance Bill 2023, the tax benefit available on debt mutual funds has been taken away. This has stirred reactions from investors, fund houses as well as the opposition in Parliament.

The Benefits of Diversification in Your Investment Portfolio

Generally, investing is considered the allocation of funds for future gains. In finance, investing means getting a return on the money put up. Investment always involves the expenditure of some resource today, such as time, effort, money, or an item, expecting a future return more than the initial investment.

Best SIP to invest in 2023

Every aspiring investor is curious about SIP. Being one of the most common ways for people to invest in mutual funds. SIPs aid in the development of financial discipline and the accumulation of wealth for the future. So let's understand SIPs and the best SIPs to invest in through this article..

5 Things to do before the financial year ends 2023

The financial year is now ending. So, many business owners would be busy with balance sheets and other crucial accounting tasks. The urgency of these chores climbs significantly. Estimating your advance taxes and making investments to save taxes is the major task to do while the year ends.

Buying v/s Renting

Investing in real estate is considered a good investment in Indian culture. Buying a home is a significant achievement for our middle-class population. When we think about our place, we always think about owning it, regardless of the financial situation or the implications. It’s not wrong at all. But, before investing any money in real estate, it is critical to have a 360-degree perspective of your financial position and understand what is best for you.

Banking Rights You Should Know

Banking in India serves as the foundation for the country's economic progress. With the growth of technology and the consideration of people's demands, the banking system and administration have seen various changes throughout the years. Banks are the first spot where the majority of Indians save their money. There are other ways to invest money, such as FD or RD, but eventually, the money gets saved in banks.

The 2023 Union Budget of India

On February 1st (Wednesday), Finance Minister Nirmala Sitharaman delivered the Union Budget 2023. According to the finance minister, the total growth of the Indian economy from a global viewpoint was the goal of the Union Budget 2023–24. Additionally, she stated that the Budget recommendations for the 2023–24 fiscal year are based on the idea of a successful and inclusive India, in which all regions and people, particularly our young, women, farmers, OBCs, Scheduled Castes, and Scheduled Tribes, share in the benefits of growth. Let's have a quick overview of the Budget 2023.

The Art of Investing

Successful investors across the world follow a well-defined investment strategy. There is no ‘one size fits all’ strategy. Instead, they envision, design and follow an investment strategy, to the T. As an investor, you must learn from your investment mistakes and include the lessons learnt therefrom into your investment strategy.

Major Mutual Fund Mergers and Acquisitions in 2022

Combining two or more mutual fund schemes or plans is a common practice. These mergers are done to rationalize costs, to improve the performance of one or more schemes or for a variety of other reasons. But often, these mergers and acquisitions are business decisions that seek to increase the asset under management or increase market share.

Popular Financial Ratios for Fundamental Analysis of Stocks – Part 2

As a part of our commitment to deliver an easy-to-understand series on various financial ratios for you, and buoyed by the appreciation received for the first part of this series – here is the second part of our coverage of popular financial ratios for fundamental analysis of stocks.

All You Need to Know About Travel Insurance

Travel insurance is an insurance category that is designed to meet the needs of travellers. It covers the risks that one may face during travel. A typical travel insurance policy covers hospitalization, other medical expenses, loss of luggage or documents, flight cancellations or disruptions, and various other travel-related losses.

A Lookback at the IPOs in 2022

From AGS Transact Technologies in mid-January to the likes of Radiant Cash and RBM Infracon, Indian investors had the opportunity of investing in many Initial Public Offerings (IPOs) during the year. This is how 2022 looks in numbers, as far as IPOs are concerned.

An approach to designing your investment portfolio

Investing in your surplus fund is the best way to make money work for you. Investments grow through interest or dividend income earned, depending on whether you choose debt or equity investments. But then, no one invests all their money in one investment. After all, why would you invest in a single type or category of investment and expose yourself to market risk?

Festival of Delights

The festival season around Diwali is around the corner and each one of us is gearing up to celebrate it to the fullest. The popular festival of lights can be a special occasion in more ways than one. Gifting and celebrating together is always a special feeling, where we get to spread joy among our loved ones. This is also an occasion which we can use to be extra considerate about the financial future of our friends and family. Yes, you guessed it right. With careful thought, we can turn this festival of light into a festival of delights for everyone around us.

Popular Financial Ratios for Fundamental Analysis of Stocks

Financial Ratios are the most pivotal part of the fundamental analysis of any stock of a company. These are numerical values collected from the financial statements of a company. They provide insight into the key financial factors like earnings, valuation, dividends, profitability and many more.

Dematerialisation of Insurance Policies

The Insurance Regulatory Development Authority of India (IRDAI) has mandated that all insurance policies will be dematerialised. This could become applicable for new policies by the end of this calendar year, and for existing policies by the end of 2023. Most of us are familiar with the term dematerialised, and familiar with its features and advantages, having seen it already in the share market.

Rakesh Jhunjhunwala – Dalal Street’s RARE icon bids adieu

On the morning of 14th August 2022, the Indian financial world woke up to the shocking news of the death of investor extraordinaire Mr. Rakesh Jhunjhunwala. Suffering from multiple health issues related to heart, diabetes and kidney, Jhunjhunwala passed away at the age of 62 in Mumbai’s Breach Candy Hospital. Despite his relatively short life span, Mr Jhunjhunwala leaves behind a chequered legacy that will continue to guide and inspire budding traders and investors for generations to come.

Sahi Hai
Solution Oriented Mutual Funds

Mutual funds are considered one of the most effective investment avenues as they offer professional management, diversification, and asset allocation. They offer the convenience of investing and economies of scale to investors at large. Currently, the Indian Mutual Funds industry at large manages the assets to the tune of INR 39.50 trillion.

Rainbow of Possibilities

We live in a brave new world where possibilities are endless. When it comes to investments, gone are the days when our earlier generations didnʼt have much to look beyond real estate, fixed deposits, gold and a few blue-chip stocks. While these well-known investment options remain, numerous lesser-known investment products are ready to diversify your portfolio and test your financial acumen. What this article does for you is spread across a rainbow of possibilities. The possibility of investments can be the possibility of growth, the possibility of steady and high returns, the possibility of wealth preservation, and eventually the possibility of a secured financial future.

Growth is Gradual

Mutual fund investors can buy fund units in a lump sum or through an SIP. A Systematic Investment Plan is where you invest a fixed amount in predetermined funds regularly.

Promise of a Secure Tomorrow

A regular income flow cannot be taken for granted. Salary income ends with retirement, and even business or professional income canʼt be a certainty for life. This is why people focus on saving a portion of their income so that they maintain financial stability even after retirement or job loss. There are various ways you can invest to get an assured future income. All you need to do is explore this rainbow of opportunities. However, in this article, we stick to one such option. A tried and tested form of investment that has gained immense popularity for generations in India is the Guaranteed Income Plan.

Shared Opportunity

Fractional assets are assets where the ownership can be held by many individuals in percentages. Assets are sold to prospective asset owners in small fractions or percentages.

Two Sides of the Same Coin

We often get news about the changes made in the repo and reverse repo rates by the Reserve Bank of India. Changes in these rates have an immediate effect on the economy, be it the stock market, our savings and investments, business plans etc. This happens because repo and reverse repo rate can dictate the flow of money in the economy.

Seek and you shall Find

Interest received is the main source of income for banks and financial institutions. They generate interest income through the loans and advances offered. The big-ticket loans offered to industries and corporates are a major source of interest income.

Healthcare Opportunities

As the dust settles down on a rampant pandemic, we can now take a moment to look back at its impact on healthcare in India as well as globally. It may be agreed that the COVID-19 virus took global healthcare off-guard. The world at large was not prepared to handle a crisis of this magnitude.

Invest in the next UNICORN

A private company that has not yet gone public, can still hold access to investors to buy its unlisted shares. It means you can invest in the company before its initial public offering (IPO). Investors can buy promising unlisted shares with the hope of future gains.

no MORE worries

The world was no less surrounded by dreadful diseases and unseen medical emergencies, now that the Covid19 pandemic has supplemented the predicament. With the rise of health issues and declining economic conditions, the human race has woken up to secure their lives in every possible way.

Sustainable Investing

ESG stands for the non-financial parameters namely Environmental, Social, and Governance while investing. These parameters are increasingly becoming relevant to identify material risks and growth opportunities

Managing money
in the time of crisis

Let’s face it, you're stuck at home for the past few weeks. For many Indians, this will be a reality for the next several weeks or longer. If there’s an advantage of being at home, it could be some spare time to spend on your money.

Safeguard your MF Portfolio.
From Coronavirus and yourself.

The Coronavirus pandemic is creating disruptions across the economy and businesses
Financial markets across the globe have been hit by volatility, about five times more than normal, on the back of the COVID-19-induced health and economic concerns.

Make your credit score
work for you

A credit score is a measure of an individual’s ability to pay back the borrowed sum of money. It is the numerical representation of their creditworthiness. A credit score is a 3-digit number that falls in the range of 300-900, 900 being the highest.