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.