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In the previous article, we discussed the top 10 mid-cap mutual funds in India. In this article, we will discuss the top 10 large-cap mutual funds in India. A large-cap fund is a fund that invests majorly in large-cap companies as per market capitalization. As per SEBI regulations, a large-cap fund is required to invest a minimum of 80% of its assets in large-cap companies through equity. Benefits of Large-Cap Mutual Funds Relatively Low Risk: These funds invest in India’s top large-cap companies, which are very stable. Hence, it helps to lower the risk when compared to other categories of equity-oriented funds. High Liquidity: These funds hold the highest liquidity due to their size and reliability in the market. Stable Returns: Since these funds invest in large-cap companies, they have stability in the business. So, these funds provide stable returns to their shareholders. Top 10 large mutual funds S.No.Fund Name3-Yr Annualized Performance1IDBI India Top 100 Equity Fund Direct-Growth16.79 %2IDBI India Top 100 Equity Fund Direct Growth16.48 %3ICICI Prudential Bluechip Fund Direct Plan-Growth15.72 %4Kotak Bluechip Fund Direct-Growth15.21 %5Mahindra Manulife Large-Cap Pragati Yojana Direct-Growth15.07 %6Baroda BNP Paribas Large-Cap Fund Direct Plan - Growth Option14.65 %7SBI Bluechip Fund Direct-Growth14.44 %8Mirae Asset Large-Cap Fund Direct Plan-Growth14.13 %9Mirae Asset Large-Cap Fund Direct Plan Growth13.99 %10Invesco India Large-Cap Fund Direct Plan-Growth13.99 %Source: Morningstar Let’s look at these funds closely. 1. Canara Robeco Bluechip Equity Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide capital appreciation by predominantly investing in companies having a large market capitalization. The risk grade is low whereas the return grade is high. The fund has 98.06% holdings in large-cap companies by market capitalization. The fund has a beta of 0.86 which means that the fund movement is very less relative to the market movement. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. Major holding is in Bluechip companies.Not meant for investors with an aggressive risk appetite. 2. IDBI India Top 100 Equity Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide investors with opportunities for long-term capital appreciation by investing predominantly in Equity and equity-related Instruments of Large-cap companies. The risk grade is below average whereas the return grade is high. The fund has a well-diversified portfolio of 60 holdings. The top 10 holdings consist of 47.44%. It has invested in large-cap growth companies with 9.53% of exposure to mid-cap companies. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund has captured the market well when the market was falling and when the market was rising. The fund is less risky when compared to other equity funds.The fund has low 5-Yr annualized returns. 3. Kotak Bluechip Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund is a consistent performer and has been rated 4 stars by Morningstar. The risk grade is average, and the return grade is high. The fund has a beta of 0.95 indicating a balanced approach by the fund manager to aggressive and conservative stocks. Along with investing in large-cap companies, the fund has exposure to mid-cap (11.48%) & small-cap (0.61%) companies. The fund has low risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. The fund captured the market well when the market was falling and when the market was rising.Not applicable 4. UTI Master Share Growth Option Direct - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital appreciation by investing predominantly in securities of large-cap companies. The risk grade is below average, and the return grade is high. The fund flows blend style of investing which indicates that the fund is holding both value and growth stock in the portfolio. The fund has good assets under the management of Rs. 9,237.7 crore, which shows the reliability of investors. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is giving constant returns over the long term. The fund has good assets under management.Fund follows the benchmark closely. 5. Mahindra Manulife Large Cap Pragati Yojana Direct-Growth - Large cap mutual funds Fund analysis: The fund is one of the top-performing funds in its category. It has outperformed the category average over the long-term period. The fund is rated 5-star by Morningstar. The risk grade is below average, and the return grade is high. The fund flows blend style of investing which indicates that the fund is holding both value and growth stock in the portfolio. The fund has good assets under the management of Rs. 9,237.7 crore, which shows the reliability of investors. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. Major holding is in Bluechip companies.Low assets under management. 6. Baroda BNP Paribas Large Cap Fund Direct Plan-Growth Option - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity-related securities by predominantly investing in large market capitalization companies. The risk grade is low, and the return grade is high. The fund has a low beta of 0.86 indicating that the movement of the fund is very less relative to the market movement. The fund has invested 98.54% in large-cap companies and the rest is in mid-cap & small-cap companies. The fund has invested across sectors. ProsConsThe fund is less risky when compared to its category. The fund has a well-diversified portfolio.Fund has underperformed the benchmark. 7. ICICI Prudential Bluechip Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity-related securities of large-cap companies. The risk grade is average, and the return grade is high. The fund has a well-diversified portfolio of 74 holdings spread across sectors except for real estate. The portfolio has both value and growth stocks in its portfolio. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund invests in both value & growth stocks. Fund has outperformed the benchmark & the category with a good margin.Fund was not able to capture the market well when it was rising. 8. SBI Bluechip Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide investors with opportunities for long-term growth in capital through active management of investments in a diversified basket of large-cap equity stocks (as specified by SEBI/AMFI from time to time). The risk grade is above average, and the return grade is high. The fund has a beta of 1.00 indicating fund movement is very much dependent on the market movement. The fund is rated 3-star by Morningstar. The fund has a relatively high risk (measured by standard deviation) than the category average ProsConsThe fund has a well-diversified portfolio. The fund invests in both value & growth stocks.Fund was not able to capture the market well when it was falling. 9. Mirae Asset Large Cap Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund has outperformed the benchmark and the category marginally over the long-term period. The fund is rated 4-star by Morningstar. The risk grade is average, and the return grade is high. The fund follows a blended style of investing, which means it has both value and growth stocks in its portfolio. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is equally volatile with its category average. The fund is a consistent compounder.Very high assets under management. 10. Invesco India Large Cap Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund has a balanced portfolio of 40 stocks, investing in value and growth stocks across market capitalization with major holdings in large-cap (93.50%) companies and the rest in mid-cap & small-cap companies. The risk grade is average, and the return grade is high. The fund is rated 3-star by Morningstar and the fund has given satisfactory returns over the long term. The fund has low risk (measured by standard deviation) than the category average. ProsConsThe fund was not able to capture the market well when it was rising.Fund was not able to capture the market well when it was rising. Advantages of Investing in Large-Cap Funds 1. Stable investment option Large-cap funds invest in top companies that are financially sound and have an excellent track record of performing well in the markets. They have solid business plans, and their revenue is consistent. The chances of the funds of these companies getting affected by small market fluctuations are low. These companies also give their investors dividends which help them create wealth.    2. Investors can make informed decisions Large-cap funds invest in blue-chip companies. These companies are well-established and have been active in the market for a long time. So, investors can check their past performance and make wise investment decisions.    3. Liquidity Large-cap funds offer high liquidity, which makes it easier for investors to withdraw the investment amount during adverse market conditions without having to incur a major loss.    Disadvantages of Investing in Large-Cap Funds 1. Management fees Large-cap funds invest in top companies in every sector, and the fund management fees are usually high compared to other funds. The exit load of certain plans is 1%, which investors have to pay if they withdraw the investment within the minimum holding period.    2. Returns    Large-cap funds may not give returns as high as mid-cap or small-cap funds. This is because the top companies already hold a huge chunk of shares, and their gains may be in small increments.    Who should invest in large-cap mutual funds? Large-cap mutual funds are most suitable for investors who don’t want to take much risk and are happy with stable returns. Large-cap funds are ideal if investors want to invest for more than 5 years and are expecting average returns. Newcomers can opt for large-cap funds because it has the potential to manage fluctuations in the market and also offers better returns than bank deposits on most occasions.     Things to consider before investing in the best large-cap funds Understand the risk and returns of the ratio of the large-cap funds    Average returns compared to small-cap and mid-cap funds    High expense ratio- Management fees are on the higher side    This fund is suitable for long-term investors    Income gained from the mutual fund is taxable    How to choose the best large-cap mutual funds? Consider your financial goal and assess if investing in large-cap mutual funds can help you reach your goal. If you are planning to invest in the long-term, which is between 5 to 15 years, and you are risk averse, you could consider investing in large-cap funds. Investors who have short-term goals and expect higher returns may not be interested in investing in large-cap funds. Select a fund with a lower expense ratio, as large-cap funds usually charge higher management fees than others.     FAQs What are large-cap funds? Large-cap funds invest in the best companies in every sector that are well-established and have a great track record. Large-cap funds invest a large portion of the corpus in blue-chip companies. Which large-cap fund is the best? Canara Robeco Bluechip Equity Fund Direct Plan-Growth IDBI India Top 100 Equity Fund Direct-Growth Kotak Bluechip Fund Direct-Growth UTI Master Share – Growth Option Direct Mahindra Manulife Large-Cap Pragati Yojana Direct-Growth Baroda BNP Paribas Large-Cap Fund Direct Plan – Growth Option ICICI Prudential Bluechip Fund Direct Plan-Growth SBI Bluechip Fund Direct-Growth Mirae Asset Large-Cap Fund Direct Plan-Growth Invesco India Large-Cap Fund Direct Plan-Growth Is large-cap a good investment? Large-cap funds invest most of the funds in well-established companies with a great track record, making investing in these funds less risky. These funds also give stable returns over the long term. Investors looking to invest in the long-term with minimal risk prefer large-cap funds over other funds. What are the benefits of large-cap funds? Stable investment option Investors can make informed decisions because of the excellent track record of the funds Liquidity Low risk compared to mid-cap and small-cap funds Which is the best-performing large-cap mutual fund in the last 10 years?  Ans. Data shows that the Nippon India Large Cap Fund, Kotak Emerging Equity Fund, and Nippon India Small Cap Fund have provided the highest returns in the respective large--, mid-, and small-cap categories during the last 10 years.  Is large-cap fund good for the long term?  Ans. With the top large-cap funds, you can rest easy knowing that your money is going into businesses with a proven track record of success over the medium to long term. These funds tend to carry less risk than small-cap and mid-cap funds, making them an excellent choice for risk-averse investors.  Which type of MF gives the highest return?  Ans. Growing SBI Small Cap Fund. As of August 16th, 2021, the SBI small-cap fund has an AUM of INR 9,620.21 crore, an expense ratio of 0.84%, and a Net Asset Value (NAV) of INR 102.68. The fund has a very high level of risk; hence the minimum SIP is INR 500.  Conclusion: For any investor who is looking to take equity exposure with low risk, then large-cap mutual funds are the right investment option. One could expect stable returns from these funds. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT Disclaimer:This is not recommendation advice, use it for educational purposes only. Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes

Tata Digital India Fund is an equity-based fund offered by Tata Mutual Fund. Read on to know more about the fund, its growth, and why you should invest in it! Click here to Invest in Tata Mutual Funds Investment objective: TATA Digital India Fund's investment objective is to seek long-term capital appreciation by investing at least 80% of its net assets in equity and equity-related instruments of the companies in the Information Technology Sector in India. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns AUM₹ 5583 CrNAV₹ 35.83Launch Date28-December-2015Min SIP Amount₹ 150Expense Ratio0.35%BenchmarkS&P BSE ITNote: Report as of 3rd June 2022.Source: Value research online Performance: Trailing Returns %FundBenchmarkCategory3 Months-10.76-9.83-10.866 Months-15.24-13.31-15.611 Year17.4310.6413.873 Years Annualized30.2323.9029.895 Years Annualized30.0524.2627.22Note: Report as of 3rd June 2022. Source: Morningstar Riskometer: Fund Review: Market CapFund %Large Cap86.37Mid Cap12.28Small-Cap1.35Note: Report as of 30th April 2022.Source: Morningstar Top 10 HoldingsNameWeightage %Infosys Ltd23.92Tata Consultancy Services Ltd9.68HCL Technologies Ltd6.81Tech Mahindra Ltd6.57Bharti Airtel6.01Larsen & Toubro Infotech Ltd4.33Persistent Systems Ltd4.28Mphasis Ltd4.19Wipro Ltd3.37Coforge Ltd3.09 Note: Report as of 30th April 2022. Source: Morningstar Sector AllocationWeightage %Basic Materials-Consumer Cyclical1.10Financial Services-Real Estate-Communication Services10.00Energy-Industrials3.98Technology84.78Consumer Defensive0.13Healthcare-Utilities-Note: Report as of 30th April 2022. Source: Morningstar Fund profile: The categorization of the stocks in this fund is based on information technology majorly. The fund largely follows a growth-oriented style of investing and invests across market capitalizations – around 86.37% in large-cap, 12.28% in mid-cap, and 1.35% in small-cap with 6.64%. This fund is for investors with advanced knowledge of macro trends who prefers to take selective bets for higher returns compared to other equity funds. ProsConsHigh returns compared to other equity funds. Low Expense RatioChances of facing moderate to high losses.Exit Load 0.25% before 30 Days How much would you have made with SIP? Monthly SIP AmountTotal InvestmentCurrent ValuationNet ProfitCumulative Returns₨ 5000/-₨ 3,85,000/-₨ 10,00,464/-₨ 6,15,464/-435.39%Note: SIP Start Date – 28/12/2015, SIP End Date – 30/04/2022. Past performance does not guarantee future returns.Source: Morningstar About the fund managers Meeta Shetty since Nov-2018. She is a CFA Charter holder. She joined Tata Asset Management Ltd. in March 2017 as Research Analyst, tracking the IT, Pharma, and Telecom sector. Venkat Samala since May-2019. After completing his MBA, he joined Tata Asset Management Ltd as a Research analyst and worked up to be the fund manager. He has more than 7 years of industry experience. Disclaimer The data in this presentation are meant for general reading purposes only and are not meant to serve as a professional guide/investment advice for the readers.This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable.Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as of date. The information placed on the presentation is for informational purposes only and does not constitute an offer to sell or buy a security.The Company reserves the right to make modifications and alterations to the content available on the presentation. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment. Investment in the securities market is subject to market risks, read all the related documents carefully before investing. The valuation of securities may increase or decrease depending on the factors affecting the securities market. EduFund and the EduFund App are the brand and product of Helena Edtech Private Limited “An affiliate of the Company, i.e., Samyama Advisors Private Limited, is registered with the Securities and Exchange Board of India (SEBI) as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013 bearing the registration number [INA000015321]. Samyama Advisors Private Limited may provide investment advice to the clients through the Company's platform.” Registered Address: 30, Omkar House, Near Swastik Char Rasta, Navrangpura, Ahmedabad Gujarat, India – 380009.Transaction Platform Partner: BSE Star MF (with Member code-51573). CIN No: U67100GJ2020PTC112589. RIA Number: INA000015321 GST No: 24AAFCH2122L1ZU© EduFund | All rights reserved | 2022 Last Updated – May 19, 2022 FAQs Is Tata Digital India Fund good? TATA Digital India Fund has AUM is ₹5583 Cr and a NAV of ₹35.83. It is managed by one of the oldest and most trusted AMCs in India. Based on your financial goals, you can consider it as an investment. How to invest in Tata Digital India Fund? You can invest in TATA Digital India Fund via the EduFund. Just download the App and place a lumpsum or SIP order to get started. EduFund is a SEBI-registered app and your investments are protected. You can view your order status, and pause or cancel the SIP at your will. Is it safe to invest in Tata Digital mutual fund? Tata Digital mutual fund is listed as a high-risk investment. Which digital fund is best? Tata Digital India Fund is considered one of the best digital funds in India. What is the Tata Digital India Fund?   The Tata Digital India Fund is an investment fund managed by Tata Asset Management Limited. Its objective is to generate long-term capital appreciation by investing in equity and equity-related securities of companies that benefit from the growth of the digital economy in India.   Who can invest in the Tata Digital India Fund? The Tata Digital India Fund is open to both individual and institutional investors who wish to participate in the potential growth of digitalization in India. Investors can consult with financial advisors or directly approach Tata Asset Management for more details on the investment process.  What are the benefits of investing in the Tata Digital India Fund?    Investing in the Tata Digital India Fund provides exposure to companies at the forefront of India's digital transformation. It provides the potential for capital appreciation as digital technologies continue to reshape various industries. Additionally, the fund is managed by experienced professionals who actively monitor and adjust the portfolio based on market trends.   How can I invest in the Tata Digital India Fund?   To invest in the Tata Digital India Fund, you can visit the official website of Tata Asset Management or contact their customer service. They provide various investment options such as lump sum investment and systematic investment plans (SIP) to suit your investment preferences.  

What is Geographical diversification, and why is it important?  Geographical diversification is assigning money to a diverse range of investments to minimize risk. It's akin to not placing eggs in one basket in terms of money.   Purchasing securities from numerous locations is called geographical diversification. Like many advisors may have advised you against keeping all your money in one stock, similarly, you don’t want all your money in one single country or region. Relying on one single means that the stock's failure would be devastating to your portfolio.  Geographic diversification, like general diversification, is based on the idea that stock markets in different regions aren't always highly associated.   For example, suppose the stock markets in advanced economies are decreasing due to a recession. In that case, an investor may transfer a portion of his or her holdings to emerging economies with greater growth rates, like China, Brazil, India, Russia, and others. This strategy restores balance to your portfolio. The pros and cons of global diversification Expanding a portfolio across several geographic locations can help investors adjust for the fluctuations of a particular financial region, lowering risk over time compared to less diversified portfolios.   Investing in international markets has never been easier, thanks to exchanging traded funds and mutual funds.  Diversifying away from advanced economies has its compensations. Many enterprises in sophisticated markets offer comparable products and services, resulting in fierce competition. On the other hand, developing markets may be less competitive and hence have more room for expansion.  The refute is that the whole world's marketplace is already interconnected, so dispersing your money across different areas no longer provides the same level of diversification.   Compared to industrialized countries, faster-growing economies may face higher political risk, currency fluctuations, and general market risk.  Exchange rates, for instance, are always changing and can work against you. If the rupee declines, an investment in India, for example, could lose value in dollar terms (This means it takes more rupees to buy a dollar).   On the other hand, investing in different currencies is another strategy to diversify and reduce risk.  Over the previous ten years, India's share market has generated remarkable gains. It is one of the world's fastest-growing stock markets, outpacing even the S&P 500. For instance, from August 08’ to August 18, the S&P 500 Index increased by 142%, whereas the BSE SENSEX climbed by 188%.  Despite greater return, the SENSEX shows high volatility. Volatility means how risky a particular investment is for the average investor. The risk of the investment is, the greater the volatility the more price movements there are.   The standard deviation of the return is one measure of volatility. Compared to the S&P 500, the SENSEX has more spells of higher volatility.  Minimizing volatility when designing a portfolio can result in a more profitable portfolio. This is the basic argument of the Modern Portfolio Theory, which states that an investor should opt to maximize return for a given level of risk rather than taking a greater risk that would not provide additional gains.  In general, geographical diversification promotes more stable investment returns while lowering the depth and duration of your portfolio's drawdowns compared to other regional markets.   Given the current state of world geopolitics, which could lead to more diverse outcomes in country investment returns and relatively close to nil interest rates globally, resulting in lower asset yields in the future, geographical diversification is important.   In fact, geographical diversification of your investment portfolio may be the best chance of successfully conserving and growing your wealth for the future. FAQs What are the benefits of geographical diversification? Geographical diversification offers numerous benefits that can enhance your investment strategy. By investing in different geographic regions, you can minimize risks and potentially improve returns. It allows you to tap into markets with greater growth potential, like emerging economies such as India and China, which may offer unique investment opportunities. Additionally, geographical diversification helps mitigate the impact of localized economic downturns, political instability, and other region-specific risks. How can I effectively achieve geographical diversification? To achieve geographical diversification, you can employ various investment strategies. One approach is to invest in mutual funds or exchange-traded funds (ETFs) that focus on specific regions or global markets. These funds typically consist of a diversified portfolio of securities from different countries, offering exposure to multiple regions in a single investment. Another option is to directly invest in foreign stocks through international brokerage accounts. This allows you to handpick individual stocks from different countries based on your research and risk tolerance. Regardless of your chosen method, it is crucial to thoroughly assess the investment options, understands the regulations and taxation aspects of each region, and consider seeking advice from financial professionals to ensure effective diversification and risk management. What are the potential risks associated with geographical diversification? While geographical diversification offers various benefits, it's important to be aware of the potential risks involved. One risk is currency fluctuations, which can impact the value of your investments when dealing with foreign markets. Changes in exchange rates can either amplify or diminish returns. Additionally, investing in regions with unstable political systems may increase the risk of unexpected policy changes or social unrest, which can affect market stability. It's crucial to conduct thorough research and stay informed about the specific risks associated with the regions you intend to invest in. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Families constantly juggle expenses, unexpected bills, and financial goals that can leave them feeling stressed and financially vulnerable. However, there is a powerful tool that can help us regain control and transform our relationship with money: Family Budgeting. It goes beyond just numbers; family budgeting holds the potential to not only empower our finances but also strengthen the bonds that tie our family together. https://www.youtube.com/watch?v=tdwqQH0xkFw Importance of family budgeting 1. Securing financial stability  A family budget often serves as a roadmap to financial stability and security, paving the way for a brighter future. By establishing a comprehensive budget, you gain a clear understanding of your income, expenses, and savings. This knowledge helps and empowers you in making informed decisions about ensuring that your family's needs are met while setting aside funds for emergencies, spending and saving, and future goals.  A budget acts as a safety net, providing peace of mind in cases of financial uncertainty, knowing that you have a plan in place to weather any storm that comes your way. What is the 15 * 15 * 15 Rule in Mutual Funds? Read More 2. Deciding long-term and short-term goals The process of budgeting allows you to define your financial goals as a family and work in a direction to achieve them together. Whether it's saving for a dream vacation, purchasing a new home, or planning for your children's education, a budget helps allocate funds toward these aspirations. The process of setting goals and tracking progress in stills a sense of purpose and direction within the family.  By involving the entire family in the budgeting process, everyone gains a sense of ownership and motivation to stay committed to the goals. This collaborative approach fosters a shared sense of purpose and strengthens family bonds as you work towards a common vision. https://www.youtube.com/watch?v=lyFMznQdbwo 3. Teaching your kids financial responsibility One of the greatest gifts for your children that you can give is the knowledge and skills for managing money effectively. By having their involvement in the budgeting process, you create an opportunity for them to learn valuable lessons about financial responsibility. From an early age, children can grasp the concept of budgeting and develop healthy spending habits. Also, by including them in discussions about family finances, they get a deeper understanding of the value of money and the importance of making thoughtful financial choices. This not only equips them with essential life skills but also strengthens the parent-child relationship through open and honest conversations about money. https://www.youtube.com/watch?v=sNqwEZbjEvc 4. Striving for transparency in budgeting  Family budgeting promotes open communication and transparency within the household. Regular budget meetings provide a platform for family members to discuss financial matters, voice concerns, and make joint decisions. This creates an environment of trust and cooperation, allowing everyone to contribute their ideas and suggestions. Through these discussions, you can address any financial conflicts or challenges that arise, fostering a culture of open dialogue and problem-solving. By working together as a team, you not only improve your financial situation but also build stronger bonds within the family, rooted in trust and shared decision-making. https://www.youtube.com/shorts/Zsd3-9_6H1o 5. Cultivating financial discipline Budgeting requires discipline and self-control, qualities that extend beyond financial matters. When you adhere to a budget, you cultivate discipline and develop a strong sense of accountability. These traits have a ripple effect, positively influencing other areas of life such as work, education, and personal relationships. By instilling financial discipline within your family, you impart valuable life skills that will benefit your loved ones for years to come. The process of budgeting teaches patience, delayed gratification, and responsible decision-making, equipping family members with the tools they need to navigate the complexities of the modern financial landscape. 5 Pro Tips for Creating a Child Education Fund Read More 6. Reduces stress and improves your well-being Financial concerns can be a significant source of stress within a family unit. Budgeting helps alleviate this stress by providing a sense of control and predictability. With a budget in place, you can reduce debt, plan for future expenses, and prioritize savings. As financial worries decrease, family members can focus on enjoying quality time together, strengthening their emotional bonds, and experiencing an overall improvement in well-being. The knowledge that you have a plan in place to handle financial challenges brings a sense of security and peace, enabling you to fully embrace the joys and opportunities that life has to offer. How long should you invest in SIP? Read More 7. Gives your emergency blanket  Life is unpredictable, and unexpected expenses can arise at any moment. Family budgeting allows you to prepare for these emergencies by setting aside funds in an emergency savings account. This ensures that your family is better equipped to handle financial shocks without jeopardizing your long-term goals. By having a safety net in place, you can face unforeseen circumstances with confidence, knowing that you have taken proactive measures to protect your family's financial future. This not only gives a sense of security but also strengthens the family's resilience, fostering a mindset of preparedness and adaptability in the face of challenges. Family budgeting is more than just crunching numbers and tracking expenses. It is a transformative process that empowers your finances while nurturing strong bonds within your family. By creating a budget together, you embark on a journey of financial stability, goal achievement, and personal growth.

People do not accept a salesperson's first price as the actual value of veggies purchased from a roadside cart. Instead, most people try to come up with a more objective appraisal of the vegetables' true worth.  It can be challenging to haggle with some merchants. Fortunately, ETFs make it simple by calculating and disseminating information to the public daily. Net asset value (NAV) is the word for this "value," and it's one of the essential data elements for ETFs and mutual funds.  The value of a fund's assets subtracted from the value of its liabilities is known as net asset value (NAV). The term "net asset value" is frequently used in the context of mutual funds and ETFs, and it refers to the value of the assets owned in the fund.   The Securities and Exchange Commission (SEC) requires mutual funds and ETFs to compute their NAV at least once every business day.  net asset value = value of assets - value of liabilities  The NAV is the value of a fund's holdings in cash, shares, bonds, financial derivatives, and other securities, less any liabilities, fund expenses, and fees.  Generally, the NAV of an ETF or a mutual fund, the NAV is calculated per share or unit.  net asset value = value of assets - value of liabilities / Total shares outstanding  Let's take an example,  An investment firm that runs an ETF wants to determine how much a single share's net asset value is worth. The following information is given to the investment firm on its ETF:  Value of securities in the portfolio: $90 million (based on end-of-day closing prices)  Cash and cash equivalents of $25 million  Accrued income for the day of $30 million  Short-term liabilities of $0.5 million  Long-term liabilities of $15 million  The accrued expense for the day of $7 million  30 million shares outstanding  net asset value = 90000000 + 25000000 + 30000000 - 500000 - 15000000 - 7000000 / 30000000 = $1.3983 Thus, the NAV of the fund is $ 1.3983.   To calculate a daily NAV, the fund selects a time to value its assets each day. The NAV of a standard equities ETF is determined (or "struck") after all of the markets that the ETF's index tracks have closed.  For example, the NAV of an ETF following US equities is taken shortly after the US market closes at 4:00 p.m. ET. The closing stock price of each fund's assets must be recorded as a representation of its current value.   The worth of the fund's whole portfolio is calculated by adding these prices. When the value of the fund's securities rises, the fund's NAV also rises. The NAV of the fund decreases as the value of the securities in the fund decreases.  The NAV of a fund is essentially a representation of the fair market value of a single fund share. It gives investors a benchmark against judging any bids to buy or sell shares in the fund.  What is NAV?  The intraday or indicative NAV (or "iNAV") differs from an ETF's official, once-a-day NAV. It is a gauge of an ETF's intraday worth, with the pricing used for the NAV calculation revised many times per minute to reflect real-time market fluctuations.  Third-party corporations frequently calculate iNAVs for their clients. When trying to trade an ETF, iNAVs can be a helpful indicator of worth, albeit they're not fail-safe and, like NAVs, may not reflect genuine value if prices grow old.  What isn't Net asset value able to tell?  While a mutual fund's net asset value (NAV) is an essential indicator of its value, it doesn't tell you everything you need to know about a fund's performance, value, or possible place in your portfolio.  The anticipated capital gains exposure that has occasionally accumulated within an older ETF or index fund is not calculated by net asset value. It also cannot know whether the underlying holdings' intrinsic worth is reasonable.  During the dot-com boom, for example, one could have purchased a fund at its net asset value while still paying high P/E ratios for businesses that were doomed to fail.  While NAV is a crucial part of understanding ETF trading for investors, it is not a substitute for other information regarding the mutual fund. Before investing, you should research an ETF's brand, profitability, aims, and long-term value to see if it is a better fit for your portfolio. FAQs How is the net asset value of a mutual fund calculated?   net asset value = value of assets – value of liabilities    The NAV is the value of a fund’s holdings in cash, shares, bonds, financial derivatives, and other securities, less any liabilities, fund expenses, and fees.    Generally, the NAV of an ETF or a mutual fund, the NAV is calculated per share or unit.   Why is NAV important to investors?   The worth of the fund’s whole portfolio is calculated by adding these prices. When the value of the fund’s securities rises, the fund’s NAV also rises. The NAV of the fund decreases as the value of the securities in the fund decreases.    The NAV of a fund is essentially a representation of the fair market value of a single fund share. It gives investors a benchmark against judging any bids to buy or sell shares in the fund.    Does NAV change daily?   The NAV per unit of all mutual fund schemes must be updated on AMFII’s website and the mutual fund’s website daily by 11 PM.   What is NAV in simple words?   The value of a fund’s assets subtracted from the value of its liabilities is known as net asset value (NAV). The term “net asset value” is frequently used in the context of mutual funds and ETFs, and it refers to the value of the assets owned in the fund.    TALK TO AN EXPERT

In a world where gender equality and women's empowerment are important goals, it is crucial to implement policies that uplift and support the girl child. One such initiative is the Ladli Lakshmi Yojana, a flagship program launched by the Government of India. This visionary scheme aims to transform the lives of girls by promoting education, healthcare, and financial security. In this blog, we will explore the Ladli Lakshmi Yojana in detail, highlighting its objectives, key features, and the significant impact it has had on the lives of countless girls nationwide. Ladli Lakshmi Yojana The Ladli Lakshmi Yojana is a comprehensive scheme introduced by the Government of India to support the education and welfare of the girl child. It was initially launched in Madhya Pradesh in 2007 and extended to other states nationwide. The scheme's primary objective is to ensure that every girl has access to quality education, healthcare, and financial security, fostering an environment where girls can thrive and fulfill their aspirations. Objectives of the Ladli Lakshmi Yojana Promoting girl-child education: The Ladli Lakshmi Yojana focuses on increasing the enrollment and retention of girls in schools. By providing financial assistance and incentives, the scheme aims to remove barriers to education and create an enabling environment for girls to pursue their studies.  Eradicating gender discrimination: The scheme aims to challenge and change societal mindsets perpetuating gender discrimination. By celebrating the birth of a girl child and treating her with equal dignity and respect, the Ladli Lakshmi Yojana aims to shift cultural norms and foster a more inclusive society.  Ensuring financial security: The scheme provides long-term financial security to girls, empowering them to lead independent and self-reliant lives. By creating a savings corpus and offering insurance coverage, the Ladli Lakshmi Yojana secures the girl child's future and equips her to face any financial challenges that may arise. Key Features and Benefits Birth grant: Under the Ladli Lakshmi Yojana, a cash grant is provided to families upon the birth of a girl child. This grant assists parents in meeting the initial expenses associated with the child's care and upbringing. Scholarships: The scheme offers scholarships to girls from economically weaker sections to support their education. This financial aid covers school fees, books, uniforms, and other related expenses. Financial security: To ensure the girl child's long-term financial security, the government deposits a fixed amount into a savings account, which the girl can access after she reaches a certain age. This promotes economic independence and empowers the girl to pursue her dreams. Insurance coverage: The Ladli Lakshmi Yojana provides insurance coverage for girls, ensuring that they receive financial support in case of critical illness, accident, or death. Awareness campaigns: The government organizes various awareness campaigns and workshops to disseminate information about the scheme, sensitize communities about the importance of the girl child, and address any existing prejudices and discriminatory practices. Impact on Society Since its inception, the Ladli Lakshmi Yojana has had a transformative impact on society at an individual and community level. Some notable impacts include: Increased educational opportunities: The scheme has resulted in a significant increase in the enrollment of girls in schools. By removing financial barriers and providing scholarships, more girls can access quality education, improving literacy rates and enhancing personal and professional growth opportunities. Empowerment and independence: Through financial inclusion and savings provisions, the Ladli Lakshmi Yojana has empowered girls to choose their education, career, and life goals. This increased agency has helped girls break free from traditional gender roles and become self-reliant, contributing to their well-being, families, and communities. The shift in cultural attitudes: The scheme's focus on changing societal mindsets and combating gender discrimination has yielded positive results. Families and communities are gradually recognizing the value and potential of the girl child, resulting in a shift away from practices such as female infanticide, child marriage, and gender-based discrimination. Economic impact: As girls empowered through the Ladli Lakshmi Yojana become educated, skilled, and financially independent, they contribute to the economic growth and development of their communities and the nation. By breaking the cycle of poverty, these empowered girls become catalysts for positive change, uplifting the socio-economic fabric of society. Conclusion The Ladli Lakshmi Yojana is a remarkable initiative striving to empower and uplift the girl child in India. By focusing on education, healthcare, and financial security, the scheme has transformed the lives of countless girls, providing them with opportunities to realize their full potential. As we continue to support and expand such programs, we move closer to creating a society that champions gender equality, empowers girls, and ensures a brighter future for all. The Ladli Lakshmi Yojana serves as a beacon of hope, reminding us that investing in the girl child is the right thing to do and a vital step towards building a more inclusive and prosperous nation.

Introduction to Ponmagan Podhuvaippu Nidhi Scheme (PPNS) In a concerted effort to strengthen the lifestyles and secure the future of Indian children, the government of India has taken several proactive steps. One such initiative that garnered immense popularity and success was the Sukanya Samriddhi Account, which witnessed over 10 lakh girls opening accounts under the scheme. Inspired by its triumph, the government responded to public demand and launched the Ponmagan Podhuvaippu Nidhi Scheme (PPNS).  Formerly known as the public provident fund scheme (PPF), PPNS is tailored to empower male children, allowing them to embark on a journey of financial security and growth. In this comprehensive guide, we delve into the details of the PPNS, exploring its features, benefits, and how to open an account. Let us embark on this journey together to understand the tremendous potential this scheme holds for securing the future of Indian children. Unveiling the Ponmagan Podhuvaippu Nidhi Scheme (PPNS)  The Ponmagan Podhuvaippu Nidhi Scheme, which has been adapted from the Public Provident Fund (PPF), marks a significant step forward in providing financial security and opportunities to male children in India. Unlike its predecessor, the PPNS does not impose any age restrictions, allowing children of all ages to open an account. This inclusionary approach emphasizes the government's dedication to fostering a culture of financial prudence and independence from an early age. How to open a Ponmagan Podhuvaippu Nidhi Scheme (PPNS) Account? Opening a PPNS account is a straightforward process that enables parents and children to take the first step toward building a secure future. Here are the key steps involved: Deposits: Deposits can be made in a lump sum or through 12 installments. While the initial account opening amount is just INR 100, the minimum annual deposit is INR 500, with a maximum limit of INR 1,50,000. Individual Account: The PPNS account is an individual account, and joint accounts are not permitted. Account Opening: Accounts can be opened using cash or cheques. In the case of cheques, the date of realization in the government account is considered the date of account opening. Nomination Facility: Nomination facilities are available during the account opening process and can also be added after the account is opened. Additionally, the account can be transferred between post offices. Multiple Accounts: A subscriber can open multiple accounts in the name of minors, subject to the maximum investment limit by aggregating balances across all accounts. Benefits and Features of the Ponmagan Podhuvaippu Nidhi Scheme (PPNS)  The PPNS offers several attractive features and benefits that make it a compelling savings avenue for the future of male children in India. Let's explore them in detail: Maturity Period and Extension: The scheme has a maturity period of 15 years, which can be extended for an additional 5 years within one year of maturity. This extension allows for further growth and accumulation of funds. Tax Benefits: Deposits made under the Ponmagan Podhuvaippu Nidhi Scheme qualify for deduction from taxable income under Section 80C of the Income Tax Act, providing significant tax benefits to the account holder. Tax-Free Interest: The interest earned on the scheme is entirely tax-free, enhancing the overall returns on investment. Withdrawal and Loan Facilities: Withdrawals are permitted from the 7th financial year onwards, ensuring the availability of funds when needed. The scheme also allows for availing loans against the accumulated amount from the 3rd financial year. Court Decree Protection: The scheme provides assurance by preventing any attachment of funds under a court decree order, safeguarding the interests of the account holder. Flexibility and Portability: The Ponmagan Podhuvaippu Nidhi Scheme offers flexibility in terms of opening accounts at various post offices. Account portability is also facilitated, allowing for seamless transfers between different locations. Regional Variations and Awareness The reception of the Ponmagan Podhuvaippu Nidhi Scheme has varied across different states in India, primarily due to disparities in awareness and understanding of such schemes. Some states have embraced the scheme wholeheartedly, recognizing its potential to secure the future of Indian boys. However, in other regions, additional efforts are required to disseminate information and educate the public about the benefits and significance of the PPNS. The Ponmagan Podhuvaippu Nidhi Scheme (PPNS) is a remarkable initiative by the government of India to empower male children and secure their financial future. By offering a flexible and tax-efficient savings option, the scheme encourages parents to proactively save for their children's long-term goals. With its attractive features such as tax benefits, tax-free interest, and loan facilities, the PPNS is set to revolutionize the way children in India save and plan for their future.  As more people recognize the advantages of the PPNS and its potential to provide financial stability, it is expected that the scheme will witness increased participation across the country. Through initiatives like the PPNS, the Indian government continues to demonstrate its commitment to empowering its citizens and securing a brighter future for the younger generation.

In a world driven by consumerism, it's easy to fall into the trap of overspending money and accumulating unnecessary extra debt. However, by making a few intentional changes in lifestyle, you can regain control of your finances thus, preparing yourself for a brighter future. We are presenting a comprehensive guide on how to embrace these changes, not only to save money but also to cultivate a more fulfilling and sustainable life. So, buckle up and embark on this transformative journey with us! Rethink Your Spending Habits The first step towards saving money begins with examining your spending habits. Take a moment to reflect on your purchases and ask yourself if they align with your long-term goals and values. Avoid impulse buying and opt for a more mindful approach. Differentiate between your wants and needs, and focus on fulfilling the latter. Create a Budget Budgeting is an essential tool for financial success. Start by tracking your income and expenses to gain a clear picture of where your money is going. Categorize your expenses and identify areas where you can cut back. Set realistic saving goals and allocate a portion of your income towards them. Remember, a well-planned budget is a roadmap to financial freedom. Cook and Eat at Home Eating out frequently can quickly drain your wallet. Embrace the art of cooking and prepare meals at home. Not only will you save money, but you'll also have control over the ingredients, making it easier to maintain a healthy diet. Explore new recipes, involve your family in meal planning, and make cooking a fun and rewarding experience.  INR 100 Crore Legacy for your Kids using SIP Read More Reduce Utility Consumption Conserving energy and water not only benefits the environment but also reduces your utility bills. Switch to energy-efficient appliances, turn off lights and unplug electronics when not in use, and fix any leaks in your home. Simple acts like taking shorter showers and using cold water for laundry can significantly impact your monthly expenses. Smart Lifestyle Choices for Saving Money Embrace a Minimalist Lifestyle Decluttering your living space can have a profound impact on your mental well-being and finances. Adopt a minimalist approach and declutter ruthlessly. Sell or donate items you no longer need and embrace the freedom that comes with owning fewer possessions. Avoid falling into the trap of mindless consumerism, and focus on experiences and relationships rather than material possessions. Ditch Costly Subscriptions Review your subscriptions and eliminate those you no longer use or find value in. Streaming services like Netflix, Hotstar, or Prime, gym memberships, and magazine subscriptions can add up quickly. Consider sharing accounts with family or friends to reduce costs, or explore free alternatives such as public libraries and online resources. Embrace Second-Hand Shopping Buying brand new doesn't always equate to quality or satisfaction. Embrace the world of thrift stores, consignment shops, and online marketplaces to find great deals on clothing, furniture, and other items. Not only will you save money, but you'll also contribute to reducing waste and supporting a more sustainable economy. Cut Transportation Costs Transportation expenses can put a dent in your budget. Consider carpooling, using public transportation, biking, or walking whenever possible. If you live in an urban area, you might even find that you can go car-free and rely on ride-sharing services or rentals for occasional needs. Embracing alternative modes of transportation not only saves money but also reduces your carbon footprint. Prioritise Free and Low-Cost Activities Entertainment doesn't have to be expensive. Explore the abundance of free or low-cost activities available in your community. Visit parks, organize picnics, join local clubs or organizations, attend free events and festivals, and utilize public amenities such as libraries and museums. By finding joy in these activities, you'll realize that happiness can't always be bought. Cultivate a DIY Mindset Learning new skills and tackling projects yourself can save you a significant amount of money. Whether it's fixing a leaky faucet, painting a room, or gardening, take the time to develop your DIY skills. Numerous online resources and tutorials are available to guide you through the process, empowering you to take charge of your surroundings and your budget. Saving money is not just about penny-pinching; it's a lifestyle choice that can lead to financial freedom and personal fulfillment. By embracing minimalism, cooking at home, cutting down on subscriptions, prioritizing saving, embracing second-hand shopping, reducing energy consumption, adopting DIY and upcycling, and cultivating a frugal mindset, you can transform your life and pave the way for a brighter future.  Remember, it's not about depriving yourself of joy, but rather finding happiness in the simple things and making intentional choices that align with your values and goals. So, start today and embark on a journey toward financial independence and a more fulfilling life.

Investing is an art, a game of numbers and strategy that has the power to shape our financial futures. But when it comes to investing, one size doesn't fit all. Every individual has unique goals, preferences, and risk tolerance which determine the type of investor they are.  Are you an adventurous risk-taker, or do you prefer a more cautious approach? Are you actively involved in managing your investments, or do you prefer a hands-off approach? By identifying your investing style, you can make more informed decisions and tailor your portfolio to suit your individual needs. What type of investor you are? 1. Risk-Averse Investor For some individuals, the thought of losing money is enough to keep them awake at night. They prioritize the preservation of capital over high returns. Risk-averse investors tend to choose low-risk investment options, such as government bonds, money market funds, and certificates of deposit (CDs). They give importance to stability and are more comfortable with predictable, albeit lower, returns. 2. Risk-Tolerant Investor On the other end of the spectrum, we have risk-tolerant investors. They are thrill-seekers, willing to take on higher levels of risk in pursuit of higher rewards. Risk-tolerant investors are often attracted to aggressive investment options, such as growth-oriented mutual funds, individual stocks, and alternative investments like real estate or commodities. They understand that with higher risk comes the potential for greater returns, but also the possibility of significant losses. 3. Active Investor Active investors are hands-on participants in the investment process. They actively research, analyze, and monitor their investments. They make frequent trades, seeking to take advantage of short-term market fluctuations. Active investors often enjoy the thrill of the chase and the potential for quick gains. They keep a close eye on market news, company earnings reports, and economic indicators to make informed decisions. Guide to Investing in US ETFs Read More 4. Passive Investor In contrast to active investors, passive investors prefer a more laid-back approach. They believe in the efficiency of the market and aim to match the overall market returns rather than trying to beat it. Passive investors typically invest in index funds or exchange-traded funds (ETFs) that track a specific market index, such as the S&P 500. They benefit from diversification and low fees, and they tend to have a long-term investment horizon. Note: Finding your investor type is not a one-time decision but a reflection of your evolving financial goals, circumstances, and risk appetite. It's essential to understand that your investor type can change over time as you gain more experience or undergo life changes. Moreover, a balanced approach to investing can often yield the best results. 5. Assessing Your Risk Tolerance Apart from determining your investment style, understanding your risk tolerance is crucial for successful investing. Risk tolerance refers to your ability to endure market volatility and the potential loss of capital. While aggressive investors are comfortable with higher levels of risk, conservative investors prefer lower-risk investments to protect their principal. It is important to strike a balance between your risk tolerance and investment objectives to ensure your investment strategy aligns with your financial goals. https://www.youtube.com/watch?v=tdwqQH0xkFw Introducing EduFund: Investing Made Easy for Parents Now that you have explored the various types of investors, it's important to mention EduFund, a platform designed to empower parents in their investment journey. Investing is not limited to individuals; it extends to families and their futures. As parents, we strive to provide the best opportunities for our children, including their education. EduFund understands the importance of investing in your child's future and empowers parents to become smart investors. EduFund offers a comprehensive solution that educates parents about the risks and benefits of investing. The platform provides valuable resources such as blogs, quizzes, and weekly insights to help parents deepen their understanding and make informed decisions. Whether you are a risk-seeking adventurer or a risk-averse cautious investor, EduFund caters to your unique needs. What sets EduFund apart is its commitment to empowering parents with knowledge and resources. Through the EduFund app, parents have access to a wealth of educational materials, including blogs, quizzes, and weekly insights. These resources help parents understand various investment concepts, debunk myths, and make informed decisions. One of the key advantages of EduFund is its emphasis on autonomy. Parents have full control over their investment decisions, allowing them to align their investments with their financial goals. However, EduFund also recognizes that investing can be daunting, especially for those new to the world of finance. That's why they provide expert guidance whenever needed. Parents can seek assistance from experienced professionals who can answer their questions and address their concerns. Investing in your child's education is an investment in their future success. EduFund helps you navigate the world of investments with confidence, ensuring that your child's educational aspirations are within reach. Join EduFund today and embark on a journey toward securing a bright future for your child. Understanding your investor type is crucial for achieving your financial goals. By reflecting on your risk tolerance and level of involvement, you can align your investment strategy with your unique preferences. Whether you identify as an adventurous risk seeker or a cautious capital preserver, EduFund is there to support you every step of the way, providing education, autonomy, and expert guidance. Begin your investment journey with confidence and empower your child's future through the power of EduFund.

Attention, Indian dads! Looking to crack the code of financial wizardry and secure your family's future? We've got your back! Buckle up for some investment tips for dads that can help them take care of different costs stress-free. Let's dive in!  1. Know the Power of Smart Investments  a. Investing with a Purpose  Fellow dads, it's time to unleash the financial superhero within you! By channeling your innate wisdom and a touch of strategic planning, you can make your hard-earned money work wonders. Start by defining your investment goals – whether it's saving for your child's education, a dream family vacation, or simply building a safety net. With a purpose in mind, you'll find the motivation to make those investments count.  b. Educate Yourself  No cape or mask is required, but a bit of financial literacy goes a long way! Dive into the sea of investment knowledge and equip yourself with the necessary tools. Understand different asset classes like stocks, bonds, mutual funds, and real estate. Follow the latest economic information and trends in the market. You'll make more informed choices based on what you know. 2. The Marvels of Risk and Diversification  a. Risk vs. Reward  Like any other parents, fathers have to juggle work, family, budgeting, savings, and even investments! Embrace the concept of risk, but don't let it run rampant. Assess your risk tolerance and align it with your investment horizon. Consider a mix of low-risk and high-risk assets to strike the right balance between security and growth. Remember, the bigger the risk, the sweeter the victory (but also the potential for defeat).   b. Diversification is Your Superpower   Avoid the trap of investing everything in a single asset. Spread your investment goals in different investment wings and diversify across various sectors, industries, and geographies. This way, if one investment takes a temporary hit, others might come to the rescue. Diversification acts as a financial safety net, protecting you from unexpected market movements and ensuring a more stable investment journey.  Investment Tips for Moms in India Read More 3. Think of your Retirement   a. Start Investing Early  Time is our greatest ally, dear dads! The earlier we start investing, the greater the advantage of compounding returns. Even if it means saving money by sacrificing a few cups of coffee or skipping that extra slice of pizza, it's worth it. Every rupee invested today can transform into a financial superhero for your golden years.   b. Retirement Planning  Research investment tips for beginners first. Retirement might seem light-years away, but it sneaks up on us faster than you can say "pension." Establish a solid retirement plan with a mix of retirement accounts, such as the National Pension System (NPS), Employee Provident Fund (EPF), or Public Provident Fund (PPF). Factor in inflation, your lifestyle goals, and any additional sources of income. A little foresight can ensure your retirement is filled with relaxation and not just worry.  4. Battle Against Fees and Expenses  a. Minimizing Investment Costs  As a dad, you know the value of a penny saved. When it comes to investing, keep an eye on fees and expenses that can eat into your returns. Compare expense ratios of mutual funds, consider low-cost index funds, and explore commission-free investment platforms. By minimizing costs, you can maximize the growth potential of your investments.  b. Tax-Efficient Investing  Tax season can be a real villain, but fear not! Discover tax-efficient investment strategies like investing in tax-saving instruments such as Equity-Linked Saving Schemes (ELSS) or utilizing tax deductions available under Section 80C of the Income Tax Act. Plan your investments strategically to optimize tax benefits and keep more of your hard-earned money in your pocket. 5. Professional Assistance  a. Financial Planner  Even superheroes need guidance, and that's where a financial advisor comes in. Consider seeking professional help to craft a tailored investment plan that aligns with your goals, risk profile, and time horizon. A financial planner can provide insights, track progress, and offer valuable advice, ensuring you're on the right path to financial success.   b. DIY Investing  If you prefer a hands-on approach, embrace the DIY investing route. Arm yourself with reliable investment research, online tools, and trading platforms. However, exercise caution and ensure you thoroughly understand the risks and potential rewards of each investment decision. With a bit of research and discipline, you can unlock your inner investing superhero. 6. Discipline and Patience  a. Consistency is key  Investing is a marathon, not a sprint. Stay committed to your investment plan, even during market ups and downs. Avoid knee-jerk reactions and emotional decision-making. Maintain a long-term perspective and trust in the power of compounding. Remember, it's the steady and disciplined approach that wins the financial race.   b. Time is your Ally  Patience is the ultimate virtue in investing. Avoid getting swayed by short-term market fluctuations and focus on your long-term goals. Allow the investments enough time to develop and expand. Remember, even superheroes need time to develop their powers. Trust in the process, stay patient and watch your investments soar.   Take calculated risks, stay informed, diversify your investments and plan. With the right mindset and a dash of financial savvy, you'll be equipped with invaluable investment tips for dad. 

In this age of 30-second reels and instant gratification, we all find ourselves chasing quick wealth, right? But here's the thing: our desire for instant riches must match the reality of achieving financial stability.  This mismatch can lead to financial anxiety, especially when we try to cut back on our current lifestyle to secure a better future for our children, their education, and, of course, for ourselves. This is hard to hear, isn't it? But not impossible to achieve. Read on to learn what you can do to become financially independent, especially if you're a parent! Building wealth requires discipline and healthy financial habits right from the start. There's no escaping that fact! Unfortunately, many of us only realize the importance of being financially disciplined when we've already spent a significant part of our lives, well, undisciplined with money. It hits the most when we realize that for SIPs to help you create wealth, time is the most significant factor. How can parents ensure that their children have a better future? Consider this example: If you invest INR 3,000 monthly in a SIP with a 12% compounding, it could potentially be worth over INR 100 crores by the time your child reaches 68 years old. Yes, it's a long time, but there are no magically guaranteed shortcuts to achieve the same result. Calculate SIP Returns However, there is a practical and more straightforward alternative based on calculations. If you are willing to dream of INR 100 crore for your child, continue the monthly SIP and teach your children the value of investing early. Maintain the SIPs until your child turns 18 and advise them to continue with their earnings. Here's the exciting part - To speed up the journey, consider adding a SIP Top-Up of just Rs. 500 annually. It may seem small, but this simple action can reduce the timeline by 7 years. Summing it up, here's your action plan: Start a monthly SIP. Opt for an automatic annual SIP amount increase of INR 500. Enjoy the benefits without burning a hole in your bank account. It would help if you also remembered that this journey may not always be smooth. There may be years of low or negative returns, and consistent 12% annual growth is not guaranteed. However, over the past 42 years, Indian markets have generated a CAGR of more than 15%. Consult a financial advisor to understand the power of compounding and long-term investing even better. They can also help you analyze how changes in the SIP amount or top-up can affect the timeline for reaching your financial goal. Lastly, remember, focus on what you can control the input and don't overthink the output. In Hindi, we say, "कर्म करो, फल की चिंता मत करो |" It's time to adhere to the beautiful belief!

Are you looking to diversify your portfolio? Gain some international exposure to give your investments a global boost. Then this article is for you! Diversification is the foundation of any good portfolio. Diversification provides a cushion to unforeseen volatilities from the future.   In today's integrated world, getting hold of foreign stocks, bonds, and mutual funds has become much easier. New-age investors can now have a balance of domestic and international securities in a portfolio.   An international portfolio is a collection of stocks and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.   Buying an exchange-traded fund (ETF) that focuses on foreign equities is the most cost-effective approach for investors to own an international portfolio.  Let's now look at some of the advantages and disadvantages of having international exposure in the portfolio.   Advantages of International Exposure Reduced risk It is possible to lessen investment risk by having an international portfolio. Gains in the investor's global holdings help increase profits if domestic stocks underperform.   Risk can be further lowered by diversifying the international portfolio with stocks from developed and emerging markets.  Varied currency exposure When investors purchase stocks for a global portfolio, they also buy currencies in which stocks are denominated.  As a result, currency fluctuations might help the investor offset losses or raise gains depending on the currency movements. It does, however, come with its own set of dangers.  Market cycle An investor with a global portfolio can take advantage of several countries' market cycles.  Accessing the entire supply chain International investing provides opportunities across industries as well as up and down the value chain often missed in domestic portfolios.   Manufacturing, services, and technology are all tiers in the supply chain. These companies benefit the most from the multiple stages of the global supply chain.  Innovation Beyond the home market, there is world-class innovation in industrial automation, payments, and renewable energy.  Source: freepik Disadvantages of International Exposure Political and economic risk Many emerging countries lack the same political and economic stability as industrialized economies. Instability can drive already invested or budding investors away from the market.   Enlarged transaction costs When buying and selling international equities, investors often pay higher commissions and brokerage fees, lowering their overall returns.   Taxes, stamp charges, levies, and exchange fees may be required, further diluting gains. Many of these fees can be eliminated or reduced using ETFs or index funds to get exposure to a foreign portfolio.  Regarding assets, two ETFs stand out above the rest for individuals seeking broad exposure to international markets. With $110.3 billion in assets under management, the Vanguard FTSE Developed Markets ETF (VEA) is the largest.   The iShares Core MSCI EAFE ETF (IEFA), benchmarked to an MSCI index rather than an FTSE Russell-managed index, has amassed $104.34 billion in assets. These ETFs are best placed only to get the investor an upper edge over the developed markets.   The most significant distinction between the two funds is the nations they provide exposure to. South Korea is a developed market in the FTSE index tracked by VEA, accounting for approximately 5% of the fund.   South Korea is not included in the IEFA's MSCI index because it is listed as an emerging market by MSCI. Canada is also not included in IEFA because the fund ignores North America, even though it is VEA's third most significant country exposure.  ETFs like the iShares Core MSCI Total International Stock ETF (IXUS) and the Vanguard FTSE All-World ex-US ETF (VEU) contain both developed and exposure for those who want their international exposure to include emerging markets.   IXUS currently has around 12.5 percent of its portfolio invested in developing market companies, while VEU has 13.1 percent. It is a bit riskier than the developed markets due to the very structure of the emerging economies, which inculcates volatility in the business environment.  Over the last decade, investors have done well while investing in the United States. This is particularly true when comparing U.S. equities returns against international equity returns.   However, trends change, and given the challenges in the United States and the opportunities that may exist elsewhere, investors may be more open to channeling funds outside of the United States to more countries for international exposure.   However, international exposure may win or lose, and investors should do their due diligence before investing. FAQs Should I have international stock exposure? Diversification is the foundation of any good portfolio. Diversification provides a cushion to unforeseen volatilities from the future. An international portfolio is a collection of stocks, and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.  Are international stocks riskier? Many emerging countries lack the same political and economic stability as industrialized economies. Instability can drive already invested or budding investors away from the market. What is the advantage of investing internationally? Investing in international stocks has many advantages. A few of the benefits include:   It is possible to lessen investment risk by having an international portfolio. Gains in the investor’s global holdings help increase profits if domestic stocks underperform.    When investors purchase stocks for a global portfolio, they also buy currencies in which stocks are denominated. As a result, currency fluctuations might help the investor offset losses or raise gains depending on the currency movements. It does, however, come with its own set of dangers.   An investor with a global portfolio can take advantage of several countries’ market cycles.   Beyond the home market, there is world-class innovation in industrial automation, payments, and renewable energy.  Are international mutual funds a good investment?   An international portfolio is a collection of stocks, and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.    Buying an exchange-traded fund (ETF) that focuses on foreign equities is the most cost-effective approach for investors to own an international portfolio.  TALK TO AN EXPERT

E-commerce saw a big boost during the pandemic wave. Making investors ask - is it time for e-commerce or e-retail ETFs?  According to UNCTAD, global e-commerce jumped to more than $26.7 trillion! Let's take a look at some UNCTAD statistics from 2018-2020.  EconomyOnline retail sales ($ billions)Retail sales ($ billions)Online share (% of retail sales) 201820192020201820192020201820192020Australia13.514.422.92392292425.66.39.4Canada13.916.528.14674624523.03.66.2China1,060.41,233.61,414.35,7555,9575,68118.420.724.9Korea (Rep.)76.884.3104.442340640318.220.825.9Singapore1.61.93.23432274.75.911.7United Kingdom84.089.0130.656556456014.915.823.3United States519.6598.0791.75,2695,4525,6389.911.014.0 As seen clearly from the above table, e-commerce has seen rapid growth and will continue due to the very structure of e-commerce. The convenience it delivers to the buyers is unparalleled, and hence very rarely will it have a chance to slow down or lose steam.   In other words, while e-commerce growth is slowing in the short term, the industry's long-term bright growth prospects have not changed.  ETFs, particularly thematic ETFs, offer diversification benefits. Because even if an industry's growth increases, there will be some champions and some laggards, investors have embraced ETFs related to a long-term theme, such as cloud computing, clean energy, infrastructure, or online retail, in recent years.   E-commerce is a relatively new entrant to this list but has incredible potential. As so many companies are participating in e-commerce, subscribing to an e-commerce exchange-traded fund (ETF) could provide you, the investor, exposure to tech-savvy organizations across a wide range of industries.  Pros & Cons of Investing in e-retail ETFs  Pros  E-commerce is a massive industry that has only become bigger as technology has progressed. ETFs for e-commerce allow you to participate in this rapidly increasing market.  If one wishes to invest in e-commerce, businesses in various industries use digital sales and payments, including clothes, food delivery, and general retail. This helps diversify one's portfolio because the fund will likely include a wide range of businesses.  Cons  E-commerce is dominated by Amazon, Walmart, and eBay, making it tough to locate opportunities.  Investing purely in the e-commerce market may be challenging because many of the largest e-commerce companies do more than sell things. For instance, Amazon has an AWS cloud computing arm with its e-commerce portal.   What are Vanguard ETFs? Read More Few good e-commerce ETFs  The Amplify Online Retail ETF (IBUY) invests in companies that generate at least 70% of their income from online sales. The ETF's top holdings include well-known clothes, logistics, and food delivery services such as Etsy, DoorDash, and Revolve.  ProShares Online Retail ETF (ONLN) has a lower expense ratio than the Amplify Online Retail ETF and a less diversified portfolio. It invests significant of its assets in major e-commerce companies such as Amazon, Alibaba, and eBay.  The Emerging Markets Internet + Ecommerce ETF (EMQQ) tracks online businesses in countries other than the United States. The fund's assets are primarily invested in Chinese companies, although it also has stock in South Korea, India, Argentina, South Africa, Brazil, and Singapore.  Suppose you want broader exposure to internet companies than an ETF that focuses primarily on businesses that offer things to clients online. In that case, the Invesco NASDAQ Internet ETF (PNQI) is a solid choice. Including service providers and retailers, such as web hosting and search engines. Adobe, Amazon, and Alphabet are among the top holdings.  Paying people is a significant element of e-commerce. Many software companies have sought to make it as simple as possible for consumers to send and receive money from each other and businesses.   The ETFMG Prime Mobile Payments ETF (IPAY) invests in firms that help people make purchases online, such as American Express, Mastercard, Visa, Square, and PayPal.   Every e-commerce business needs to take payments, this is a one-of-a-kind opportunity for an investor to get exposure to the industry and its primary service providers.  ParameterAmplify Online Retail ETF (IBUY)ProShares Online Retail ETF (ONLN)Emerging Markets Internet + Ecommerce ETF (EMQQ)Invesco NASDAQ Internet ETF (PNQI)ETFMG Prime Mobile Payments ETF (IPAY)IssuerHANetf, EMQQ Index, and Big Tree Capital, LLCProSharesHANetf, EMQQ Index and Big Tree Capital, LLCInvescoETFMGInception DateApril 20, 2016July 13, 2018Nov. 12, 2014June 12, 2008July 15, 2015Expense ratio0.65%0.58% 0.86%0.60%0.75%AUM (as of 2021)$906.7 million$875.6 million$1.29 billion$1.06 billion$1.22 billion3-year return (as of 2021)28.5%20.1%16.2%20.9%16.7% E-commerce is a growing industry with the potential to develop significantly. Investing in an e-commerce ETF provides exposure to the online sales business and an opportunity to wager on societal trends such as food and apparel delivery and online payments. FAQs What is a retail ETF? A retail ETF is an industry-specific exchange-traded fund (ETF) that invests only in companies that sell retail merchandise to consumers. For example, Amplify Online Retail ETF (IBUY) is a retail ETF and its top 5 holdings are companies like Carvana Co, Affirm Holdings Inc, Netflix Inc, Figs Inc, and Amazon.com Inc. What are the benefits of investing in retail ETFs? E-commerce is a massive industry that has only become bigger as technology has progressed. ETFs for e-commerce allow you to participate in this rapidly increasing market.  If one wishes to invest in e-commerce, businesses in various industries use digital sales and payments, including clothes, food delivery, and general retail. This helps diversify one's portfolio because the fund will likely include a wide range of businesses. What are some retail ETFs to invest in? The Amplify Online Retail ETF (IBUY) invests in companies that generate at least 70% of their income from online sales. The ETF's top holdings include well-known clothes, logistics, and food delivery services such as Etsy, DoorDash, and Revolve.  ProShares Online Retail ETF (ONLN) has a lower expense ratio than the Amplify Online Retail ETF and a less diversified portfolio. It invests significant of its assets in major e-commerce companies such as Amazon, Alibaba, and eBay.  The Emerging Markets Internet + Ecommerce ETF (EMQQ) tracks online businesses in countries other than the United States. The fund's assets are primarily invested in Chinese companies, although it also has stock in South Korea, India, Argentina, South Africa, Brazil, and Singapore. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT