Investing Insights

Should you pre-pay your Home Loan?

Deciding whether to prepay your home loan or invest your lump sum? This article breaks down key considerations, from loan structure to tax benefits, helping you make an informed decision to reach financial freedom sooner.

10 “Personal Finance Commandments”

As the year draws to a close, it's time to reflect on how we can improve our financial habits. In this blog, we present the "Ten Commandments" of personal finance that will guide you towards a more secure and prosperous financial future. From controlling spending to understanding the importance of insurance and investments, these commandments are designed to help you stay disciplined, make smarter decisions, and set a solid foundation for long-term financial freedom. Follow these commandments, and you’ll be closer to achieving your financial goals in the year ahead!

5 Money Habits of the “Financially Wise”!

Ever wondered how the truly “financially wise” approach their day to day personal finances? This week, FinEdge presents 5 money habits that are nearly universal to all those who are en route to financial Nirvana!

How Many Mutual Funds should you own?

Learn how to avoid the pitfalls of over-diversification and scattered investments in this blog. We’ll explore the ideal number of Mutual Funds to hold, the importance of focused portfolios, and how to streamline your investments for optimal returns and better financial planning.

Five Steps To Achieve Financial Freedom This Year

In this blog, explore five key strategies to improve your financial health and move closer to financial freedom. From consolidating investments to automating tax savings, we’ll guide you on how to structure your finances, set clear goals, and make smart, long-term investment decisions that will work in your favor.

Why You Should Begin Your Tax Savings For 2017-18 Right Now!

Don’t let last-minute tax-saving rush lead to poor financial decisions! Instead of locking money in low-return instruments, start an SIP in an ELSS fund. It offers tax benefits under Section 80C, the shortest lock-in period (3 years), and the potential for long-term growth. Plan wisely and let your investments work for you!

Mutual Fund Myth-busting: Are GILT Funds Risk Free?

GILT funds, often seen as low-risk investments due to their reliance on government securities, are actually more volatile than many investors realize. In this article, we’ll explore the hidden risks of GILT funds, including how interest rate fluctuations and the long-term maturity of government bonds can lead to sharp price movements. While they can provide impressive returns in certain conditions, they are not risk-free. If you’re considering investing in GILT funds, it's important to consult a financial advisor and understand how market dynamics can affect your returns, especially in the short term.

Beware of The Sunk Cost Bias

The Sunk Cost Bias traps investors into holding onto losing investments just because they’ve already committed time and money. This mental pitfall leads to poor financial decisions, like averaging down a failing stock or refusing to cut losses. The solution? Evaluate your investments with a fresh perspective, challenge your assumptions, and exit when the facts change—just as Keynes wisely advised!

Why SIP's are the Best Way to Invest into Volatile Equity Markets

In this blog, discover how SIPs (Systematic Investment Plans) can help you navigate market volatility with ease. Learn how the strategy of Rupee Cost Averaging works to mitigate risks, and why staying invested for the long term is the key to wealth creation, even during market downturns.

Smart Profit Booking Strategy for Long-Term SIP Investors

Equity SIPs are great vehicles for long-term wealth creation. But what if markets are overheated and corrections seem likely? In such situations, investors often wonder: should I stay fully invested or take some action? This blog offers a tactical profit-booking strategy using liquid funds and STPs — without halting your SIP or losing sight of your goals.

How to Create a Fund for Your Child’s Marriage Goal

Before diving into numbers and strategy, it’s important to recognise that a child’s wedding is both a cherished family milestone and a major financial event. Planning for it thoughtfully ensures your aspirations don’t lead to financial stress.

Radhika Gupta on selecting the best mutual funds for long-term financial goals

How To Select The Best Mutual Funds For Long Term Goals

Mutual funds offer a compelling way to invest for long-term goals, leveraging professional management and diversification to potentially achieve significant returns. But with a vast array of options available, selecting the best mutual funds for the long term can feel daunting. This guide will equip you with the knowledge to confidently navigate the mutual fund landscape and learn how to select the best mutual fund aligned with your long-term aspirations.