Investing Insights

Gopal Gidwani

Finance Content Writer

Gopal Gidwani is a freelance personal finance content writer with 15+ years of experience.

Apart from writing on savings and investments, in his free time, he loves exploring credit card rewards and loyalty programs.

He can be reached at: https://www.linkedin.com/in/gopalgidwani/

A pair of hands gently cupping a red heart with a white cutout silhouette of a family (two adults and two children) in front, symbolizing protection through health insurance.

Your Guide to Buying a Health Insurance Policy

Several general insurance companies and standalone health insurance companies offer health insurance plans. Each company offers multiple health insurance plans. Within each health insurance plan, there can be two to four variants.

10 Things to Consider when Buying a Term Life Insurance Policy

If you are the sole earning member or one of the earning members of your family, you need to buy term life insurance. Your life insurance policy is a financial backup for your family in the event of your untimely demise.

Upcoming Lok Sabha Elections: Do They Warrant Any Change in Your Portfolio And Strategy?

India will be heading to Union Elections in the months of April and May. The results will be announced on 4th June 2024.

Person writing “Systematic Investment Plan” in a notebook beside a blue piggy bank and calculator, symbolizing planning and investing in SIPs for financial goals.

How Much to Invest in SIP's to Reach Your Goals? How Can Step-up SIP Boost the Process?

You must have heard the famous sayings like: "Good things take time", "Good things happen to those who wait", or "Good things come in small packages".

Stacks of gold coins and gold bars with an upward-pointing arrow, symbolizing rising gold prices and strong investment returns. The scene has a rich golden-brown background, emphasizing wealth and growth.

Gold: Why Do Indians Buy Gold, Its Returns, How To Buy, And Is Buying Gold A Good Investment?

On 22nd March 2024, the 24-carat gold prices in Delhi hit an all-time high of Rs. 67,985/tola. The price rose after the US Federal Reserve, in its monetary policy meeting on 20th March, indicated that it will cut interest rates in the second half of 2024.

A man in formal attire stands next to a chalkboard displaying an upward trending graph labeled

Passive Income: What Is It, Sources, Benefits, and How to Build It?

Legendary investor Warren Buffett is well known for his financial quotes. Let us list two of his quotes. He said: "If you don't find a way to make money while you sleep, you will work until you die". He also said: "Never depend on a single income. Make investment to create a second source".

Factor-Based Funds: What Are They, and Should You Invest in Them?

Till about a few years back, investors could choose from either active or passive funds. The proponents of active funds say they have the flexibility of selecting stocks and the potential to generate alpha over the benchmark index. The proponents of passive funds say they are low-cost solutions for market returns, specifically as active funds will find it increasingly difficult to beat the benchmark index in future. But what if you could combine the benefits of active and passive funds in a single scheme? That is what factor-based mutual funds in India offer. Recently, many AMCs have started offering factor funds. So, what are these and should you invest in them? Let us explore.

Importance Of Taking Informed Risk When Investing

Investors often align financial product choices with their risk profiles, such as favoring equities for aggressive strategies and debt for conservative ones. However, prioritizing investment time horizon over risk profile can lead to more informed decisions, ensuring suitability for both short-term and long-term goals.

Stacks of gold coins decreasing in height from left to right with a red descending arrow labeled “INTEREST RATES” and a percentage symbol, illustrating the concept of falling interest rates.

Interest Rates May Go Down: Should You Lock Into High FD Rates or Invest in Duration Debt Funds?

In the last few monetary policy meetings, the Reserve Bank of India (RBI) and the US Fed have maintained a status quo on interest rates. Throughout most of 2022-23, most central banks increased interest rates to combat high inflation.

Stack of silver coins leaning in front of a blurred clock, symbolizing the concept of time and risk in smallcap mutual fund investments.

Should You Invest In Smallcap Mutual Funds

In December 2023, the smallcap funds got inflows of Rs. 3,857 crores. The inflows were the 2nd highest in the equity category after sectoral/thematic funds. So, why are investors rushing to invest in smallcap MFs, and should you also invest? Let us find out.

A Step-by-Step Guide to Personal Financial Planning

Some individuals follow a return-centric approach to investing. They chase returns by selecting mutual funds based on the last one and three-year returns. However, that is not the right approach. The appropriate approach is to identify your financial goals and invest towards fulfilling them. It keeps you focused on your investments for the long term till the goals are achieved. The personal financial planning journey can help you map all your financial goals, invest towards them, and review them till they are achieved. In this article, we will understand what is personal financial planning and how to go about it.

What Is STP in Mutual Funds and Its Types

Have you recently received a lump sum as an annual bonus from the employer, maturity proceeds of a financial product, or won prize money from some competition/lucky draw? You must be wondering how to invest this money in a staggered manner while not worrying about impulsive spending. A systematic transfer plan (STP) can help you do that. In this article, we will understand what is STP in mutual fund, its benefits, how to do it, and things to consider before doing an STP.