Savings

Liquid funds are one of the lesser-known categories of mutual funds in India. They are debt funds that invest in short-term money-market instruments like commercial papers, treasury bills, and so on

Imagine two students preparing for an exam. The first student studies regularly throughout the year, finishing lessons in small manageable chunks. The second student studies only a few days before the exam, cramming in marathon study sessions.

“Can NRIs invest in mutual funds in India?” That’s one of the most asked questions in online forums regarding investments and NRIs. India is home to the largest diaspora residing in several countries across the world.

Have you ever wished for an additional source of income that you could rely on if something unexpected were to happen to your primary revenue stream? What if you lose your job unexpectedly or you meet an emergency cash requirement?

Everyone wants to save tax. But, not many are aware of the right investment channels to reduce tax burdens. Tax planning is a crucial component of managing one's finances.

As the name implies, a hybrid fund offers the best of both worlds. It ensures capital protection as a part of your investments are in debt funds. The remaining portion of your finances is in equities, thereby offering you the potential to generate returns. To summarise it, a hybrid fund offers higher returns when compared to debt funds, but is not as risky as pure equity-oriented funds. It achieves diversification while reducing risks.

Income funds are a specific type of debt mutual funds that invest predominantly in money market instruments like government securities, corporate bonds and more. It's an excellent investment product for investors who look for a steady income. Here, in this guide, we give you all that you need to know about income funds – features, benefits, types, how to choose the right one, and top-performing income funds in India.

ULIP or ELSS – which investment product is the right choice for me? From beginners to seasoned investors, almost everyone is confused when it comes to choosing between ULIP and ELSS.

The stock market is one of the best avenues to invest your money. It offers inflation-beating returns, helping investors build their corpus. Irrespective of whether you're a beginner or a seasoned investor, timing the market is critical. To make money off the stock market, you need to have a basic understanding of how the stock market works.

Everyone dreams of a happy retired life – the day when they can escape the 9-to-5 grind and finally be free to pursue their hobbies and passions. However, what many fail to understand is that to enjoy a secured and comfortable retirement – you need to start planning for it, from an early age.

When it comes to mutual fund investments, most often investors think of equity-oriented mutual funds. While equity mutual funds are certainly popular, there are several other types of mutual fund schemes like debt funds, liquid funds, index funds and more. By investing in debt funds, investors can diversify their portfolio while minimizing risks.

Very often, mutual fund investors consider both closed-end and open-end mutual funds to be similar, since both pool money from investors and invest them in various securities. However, there are substantial differences between these two types of mutual funds.

Just a few decades back, most people didn't have to worry about retirement planning as they had a hefty pension that served as their security blanket in their sunset years. But, with the increase in private-sector jobs, a steady rise in inflation and average lifespan, today it has become mandatory to plan for one's retirement.

Investors looking to invest in equities have two primary options to choose from: mutual funds and stocks. While both these investment instruments look similar, they differ widely in terms of the investment style, returns and risk.

Small-business owners and solopreneurs take huge risks by choosing self-employment over conventional careers.

PPF (Public Provident Fund) is a government-backed investment scheme available to all Indians. It's one of the most popular ways to build a long-term corpus, and it comes with an investment period of 15 years.

Endowment plan is a life insurance policy that offers a combination of insurance cover along with savings plan. It helps in regular savings over a specific period of time, so that you are able to get a lump sum amount at the time of policy maturity.

Fixed Deposits are one of the safest investments to grow your wealth. They are secure financial instruments that offer guaranteed returns.

When it comes to investments, the majority of Indians prefer risk-free products that offer steady returns, irrespective of market conditions. To meet the investment objective of conservative investors, banks offer two unique investment products – fixed deposits (FD) and recurring deposits (RD).

Different financial goals require different savings approaches. Short-term savings are ideal when you are in need of liquidity as well as interest earnings. If your financial goals have extended deadlines, a long-term savings option could work perfectly. 

Planning for your child’s future education is not a trivial thing to overlook. You may think you can “cross the bridge when you come to it”, but by that time you may realize that you don’t have enough funds to get your child admitted in his/her dream college.