Investing Insights

Illustration showing growing money stacks with plants and the question 'Can you retire early at 45?' — representing early retirement planning in India by FinEdge.

Is Early Retirement Really Feasible?

FIRE isn’t just a dream, but it takes serious math. Discover what it really takes to retire at 45 in India.

Visual representation of SIP investing for long-term wealth creation through discipline and consistency, featuring a plant growing from a glass filled with coins, FinEdge branding

How to Use SIPs to Build Long-Term Wealth with Discipline and Consistency

Creating long-term wealth isn’t about chasing market highs , it’s about staying consistent, investing regularly, and letting time and discipline do the work. This is where SIPs (Systematic Investment Plans) come in. If you're wondering how to use SIPs for long-term wealth, this article walks you through the power of consistency, compounding, and how even small investments can lead to significant outcomes.

Illustration of an elderly married couple embracing, with text 'Retirement for Married Couples – 5 Steps to Take' on a green background. Ideal visual for articles on retirement planning, financial tips, and long-term goals for couples.

Retirement Planning for Married Couples: 5 Steps to Get It Right

Planning for retirement as a couple goes beyond just saving money, it’s about aligning your vision for the future, managing different risk appetites, and building a joint roadmap that supports both partners. Whether you’re newly married or already years into your financial journey, having a shared retirement goal can strengthen your relationship and your long-term security. This guide walks you through the essential steps to get started on a collaborative retirement plan that works for both of you.

Close-up of investment portfolio documents and charts used for managing and optimizing financial assets

Top Tips for Successful Investment Portfolio Management

We have all heard the well-known phrase: “Don’t put all your eggs in one basket”. The phrase applies to many aspects of life, including investments. If you put all your money in a single asset class or security, and its value falls sharply or goes bust, you will incur significant losses or lose all your money. Hence, you need to build a diversified investment portfolio and manage it well. In this article, we will understand what is investment portfolio management, how to build and manage an investment portfolio.

Financial Planning for Single Women: Strategies for Long-Term Security

In today's world, not everyone prefers to get married and start a family. Some individuals, men as well as women, choose to stay single. They like to have a fulfilling career, focus on their passion like travel and go solo about it. In this article, we will understand how single women can do their financial planning and create long-term security for themselves.

Understanding Debt and Equity Funds: Key Differences and Benefits

Investors can choose from different types of mutual funds depending on factors like investment time horizon, return expectation, lock-in period, taxation, risk involved, etc. You can look at equity funds for growth and debt funds for stability. In this article, we will understand what are equity funds and debt funds, the difference between equity and debt mutual funds, and things to consider before choosing these funds.

SIP Vs Lumpsum Investments: Which Is Better?

Investing towards financial goals can be done in two ways. The first option is to invest a part of the income every month for the long term. The other option is to invest a lumpsum amount once and stay invested for the long term. Both options have pros and cons, and investors often wonder which option they should choose. In this article, we will discuss SIP vs Lump sum, and which approach an investor should take.

Aditi Kothari Desai shares financial planning tips for women to invest confidently for the future

Investing for Your Future: Financial Planning Tips for Women

Both men and women seek to improve their lives, achieve financial security, enhance their health, and realize their dreams. Despite this, investing is often perceived as a primarily male activity. Women frequently begin to learn about investing later in life, typically after major life events like marriage, and fewer women independently educate themselves about investing compared to men.

Magnifying glass highlighting mutual funds, representing focus on international funds and LTCG tax changes in Budget 2024

Budget 2024: Change in LTCG Taxation on International Funds – Should You Consider Investing?

In the July 2024 Budget, the Finance Minister announced changes in the Long Term Capital Gain (LTCG) taxation for some asset classes. These include equity fund of funds (FoFs), international equity FoFs, gold mutual funds, etc. Earlier, these were subject to taxation at the individual’s slab rate due to a change in the taxation of debt mutual funds in the previous budget. After the recent LTCG changes, the appeal of these asset classes has increased. In this article, we will understand what international equity mutual funds are, their features, how they are taxed, and whether you should invest in them.

Street signs labeled Financial and Independence symbolizing the path to achieving financial freedom

What Is Financial Independence and How to Achieve It?

On 15th August, we celebrate Independence Day. We celebrate the spirit of freedom that gives us the right to live a life the way we want to. Have you thought about financial freedom in a similar way? When you achieve financial independence, it gives you more control over your time and further live a life the way you want to. In this article, we will discuss what financial independence is, its benefits, and how to achieve it.

Visual comparison of ETFs versus Index Funds highlighting key differences for passive investing choices

ETFs Versus Index Funds: What Are the Differences, and Which One Should You Choose?

In the last few years, there has been a rise in passive investing due to factors like diversification, low costs, wide availability and choice of passive funds, ease of investing, etc. When it comes to passive investing, there are two ways of doing it. Exchange traded funds (ETFs) and index funds. In this article, we will understand what are ETFs and index funds, the differences, and which one you should choose.

Conceptual illustration of portfolio rebalancing with lightbulb icon symbolizing smart investment strategy

Portfolio Rebalancing: What Is It and How to Do It

As of August 2024, the stock markets are trading near all-time high levels. In the last one year (as of 31st July 2024), the Nifty 50 Index has risen 26.31%. The Nifty Midcap 150 Index, with 54.60% returns, and the Nifty Smallcap 250 Index, with 58.06% returns, have done even better. During the same period, fixed income has been steady, with most debt instruments giving 7-9% returns. As a result, an investor's asset allocation would get skewed in favour of equities. Hence, the investor needs to do portfolio rebalancing. In this article, we will understand what portfolio rebalancing is, why, when, and how you should do it.