The Latest Blogs on Financial Planning | Investing Insights

Investing Insights

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Financial Independence: Redefining Freedom in Your Life

This Independence Day, free yourself from money stress. Here’s how to build financial freedom on your terms.

Two individuals discussing financial matters at home, highlighting FinEdge’s campaign on financial awareness and preventing financial frauds.

Financial Awareness Day: How to Identify and Protect Yourself from Financial Frauds

Frauds are evolving, but so can your defense. Here’s your guide to staying financially safe in today’s world.

Cover image for FinEdge’s NRI Investing Trends 2025 study, showing a globe focused on India to represent global NRI investment insights.

NRI Investing Trends 2025 – Insights from 90+ Countries

This study reveals how NRIs think, plan, and act differently when investing in India – and the critical roadblocks they face. Based on 898 long-term NRI investors.

Child’s education abroad financial roadmap with FinEdge branding and a hand placing a graduation cap on stacked coins with growing plants.

Planning Your Child’s Education Abroad: A Financial Roadmap

Sending your child abroad for higher education? Here’s a step-by-step plan to help you turn aspiration into action.

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What is the Ideal Asset Allocation by Age?

Your investment needs change as you grow; here’s how to align your portfolio with your age, risk profile, and life goals.

How to Categorise Financial Goals: Short, Medium, and Long-Term Goals Explained

Before we get into strategies and structures, it’s important to understand the value of categorising financial goals. Every individual has a unique set of aspirations, but not all goals carry the same urgency or impact. By breaking them down clearly, you can build a systematic, purpose-driven investment plan tailored to your life.

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.

Creative planning diagram with notes and colored pencils illustrating the importance of planning for a child’s higher education

Why Should You Plan for Your Child’s Higher Education?

It is August 2024, and by now, you must have paid the annual school fees for your child for the academic year 2024-25. You must have noticed that the school may have increased the fees compared to last year to counter the impact of inflation. The same holds true for your child's higher education. The cost of education will increase with every passing year, and by the time it is time for your child to take admission to college, the education cost will have increased substantially.

Financial expert discussing investment charts with a client, highlighting the role of expert guidance in financial planning

Importance of an Investment Expert in the Financial Planning Process

Have you ever seen any sportsperson without a coach? The sports person may be the best in their game and way ahead of others. Yet, they always train with a coach, who may also be their guide, mentor, etc. In the world of investments, an investment expert can play the same role as that of a coach in sports. An investment expert can be your advisor, coach, guide, mentor, etc. In this article, we will understand the importance of an investment expert in the financial planning process.

Notebook labeled Financial Planning on a desk with coffee and glasses, symbolizing the start of a personal finance journey

Financial Planning: Basic Things to Get in Place Before You Start Your Financial Planning Journey

Comprehensive financial planning is the gateway to achieving your financial goals and achieving financial freedom. However, before starting the financial planning process, you must get certain basic things in place. In this article, we will understand these basic things to get in place before you embark on your financial planning journey.

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Debt Repayment: Debt Snowball vs. Debt Avalanche Methods

Debt can be a double-edged sword. It can be a boon or a bane, depending on the purpose for which it is used and how it repaid. It is a boon when debt is taken for meeting important financial goals like buying a house and regularly paying the EMIs.

Person checking their credit score of 751 on a laptop, with a credit health dashboard highlighting payment history, amounts owed, and credit history—reinforcing the importance of responsible financial behavior and informed investment decisions.

Ways of Improving Your Credit Score

When you apply for a loan/credit card, the bank considers various factors. Based on these factors, the bank decides whether to accept or reject the application, the loan amount/credit limit, the interest rate, and other factors. Some of these factors include your age, income, credit score, profession, repayment capacity, city of residence, etc. The credit score is an important factor, and having a good score is the key to getting the loan/credit card approved. In this article, we will understand some ways on how to increase credit score.