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Zoom Video Communications needs no introduction, especially now that the COVID-19 epidemic has arrived. People began working from their houses when the lockdown was imposed. Most of it happened over a Zoom video conference, whether a corporate meeting or your child's online education. This company's product effectively brought people from all over the world together. Eric Yuan founded Zoom Video Communications as a software start-up in 2011. Eric is the current CEO, and the company is based in California, United States. It is known for providing services like video calling and online chat services via cloud-based peer-to-peer software. As of 2021, the total number of employees is 4422. Salesforce took almost one and a half decades after going public to reach a market capitalization of $100 billion, but Zoom Video Communications took just 14 months. Zoom recently paid $14.7 billion for Five9, a NASDAQ-listed software company specializing in cloud contact centers. Zoom is one of the North American region's top 25 highest-value technology companies.   Additional read: How to invest in Netflix from India? Zoom is one of the few stocks that should be included in every investor's portfolio. Let's first look at some basic stuff before we proceed. Latest market close $109.18 52-week range 108.43 - 406.21 Dividend yield  NA Earnings per share  $4.49 Beta - Market Capitalization $ 24.902 billion Average Volume (3m) 4,317,874 PE ratio  24.24  There are three ways in which you can invest in Zoom from India.   1. The direct way   You can trade in Zoom from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Zoom's share price was the US $108.6 on March 03, 2022, which is over eight thousand rupees. However, the premium price of Zoom shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With just $1, you can buy a part of a Google stock and own a piece of the corporation.   2. The ETF way   One way to invest in Zoom stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds in that they're invested in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   For example, you can invest in the ProShares Ultra QQQ (QLD) and ARK Innovation ETF (ARKK), which contains Zoom as one of its holdings.   Another option for investing in Zoom stocks from India is to purchase ETFs that invest in US markets. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   3. The Mutual fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since the investment would be made in Indian rupees, there is no investment restriction. Zoom is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio will be required of you. The expense ratio of these funds is typically greater, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee. A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Zoom would be a greater risk strategy for your portfolio. Investing by convenience, i.e., via ETFs As Metaverse is still in its infancy, it's challenging to grasp the Metaverse's and enterprises' business models. As a beginner, you can invest in the Metaverse through ETFs such as the Roundhill Ball Metaverse ETF, which gives you exposure to companies that develop Metaverse infrastructure (like Nvidia), gaming engines that create virtual worlds (like Roblox), and leaders in content, commerce, and social media for the Metaverse (like Tencent). Nvidia Corporation, Microsoft Corporation, Meta Platforms Inc., Roblox Corporation, Tencent Holdings Limited, and Unity Software Inc. are among the fund's top holdings. The Roundhill Ball Metaverse ETF had 45 holdings and seven nations in its portfolio. The median market capitalization of these 45 holdings is $68 billion. Put another way, the typical company held by this ETF will be successful and well-established. While these equities will have metaverse connections, there's a fair probability they'll also have very profitable core operations that will support metaverse research and development. If you opt to invest in ETFs, you may rest easy.  It's crucial to realize that Metaverse investments aren't for everyone. Furthermore, having a significant concentration of assets in stocks of Metaverse-related companies can be dangerous. When investing in the Metaverse, one must consider risk tolerance and the value it will add to the portfolio!   FAQs How to invest in Zoom from India? Yes, you can invest in Zoom from India on the EduFund. Download the App, set up your US account for free without any commission or opening charges. You also get first year free on account maintenance. Once its set up, you can invest in all the top US stocks on your own! What are the different ways to invest in Zoom? There are several ways to start investing in Zoom. You can directly invest in the company by buying its stocks through an app, you can invest in the company indirectly by investing in mutual funds or ETFs that will buy the stock as a part of their portfolio. What is the share price for Zoom? The share price for Zoom is $59.98!

Who doesn't know Google? It's the heart and soul of today's generation and will continue to do so, at least for the next few years. Google is a multinational technology firm based in the United States specializing in Internet-related services and products.    Among them are online advertising technology, search, cloud computing, and software. Google is one of the most popular search engines on the internet, processing a billion searches every day and holding a 65 percent market share.    In January 1996, Larry Page and Sergey Brin founded Google as a research project while pursuing their PhDs at Stanford University in California. They own roughly 14% of the company's stock and, through supervoting stock, control 56% of stockholder voting power. The company was incorporated and founded in 1998, with the initial public offering in 2004.   Alphabet Inc. (NASDAQ: GOOGL) is one of the world's most valuable publicly traded firms. Almost all of Google's income and profits are generated by Alphabet, the business's holding company.    Google's core business, which accounts for about 90% of its revenue, is online advertising, which it does through Google AdWords and AdSense, where it has been the global market leader for over a decade and controls the majority of global ad expenditure.    Profits from advertising are used for other sectors that have the potential to become profitable in the future. This allows Google to make large investments in technology that many companies would be unable to drive. The Google Cloud Platform, Google's cloud business, also generates revenue Let's first look at some basic stuff associated with the company. Latest market close $2638.13 52-week range 1997.88 - 3030.93 Dividend yield  NA Earnings per share  $112.23 Beta 1.07 Market Capitalization $ 1801 billion Average Volume (3m) 1,822,325 PE ratio  23.51  Ways for you to buy Google shares in India. 1. The Direct Way to Invest in Google  2. The ETF Way to Invest in Google  3. The Mutual Fund Way to Invest in Google  1. The direct way   You can trade in Google from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Alphabet Inc's share price was US $2,789.61 on January 14, 2022, which is over two lakhs. However, the premium price of Google shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With only $1, you can buy a part of a Google stock and own a piece of the corporation.   Additional read: How to invest in S&P 500 from India? 2. The ETF way   One way to invest in Google stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds because they invest in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   You can invest in the Invesco QQQ Trust, which contains Google as one of its holdings.   Another option for investing in Google stocks from India is to purchase ETFs that invest in US indices such as the Nasdaq. Google is holding the Motilal Oswal Nasdaq 100 ETF. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   Additional read: How to invest in NASDAQ from India? 3. The Mutual fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since investment is in Indian rupees, there is no investment restriction. Google is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio is one such expense. The expense ratio of these funds is typically more remarkable, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee.   A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Google would be a greater risk strategy for your portfolio. Why invest in Google?  There are no doubts about the outstanding performance of Google with its services, products, and investment in new development & research. But before you find out ‘How’, you must know the ‘Why’ of buying Google shares in India.   It goes without saying that Google has an undoubtedly competitive advantage. Its sustained competitive edge makes it a secure investment.   Despite the rapid pace of Internet development along with fierce competition, Google has managed to hold a monopoly and outperformed its competition.   By the time you finish reading this sentence, Google will have received more than 3 lakh searches. This means, in a day, it receives over 8.5 billion searches. 90% of Google’s earnings and revenues come from these searches. Google funds its future projects and turns them into profit centers with these very earnings/ revenues.   Artificial Intelligence is the next step in the future technology and Google is deploying all its resources into its development.   FAQ Is it risky to invest in Google?  Keeping the Great Recession of 2007-08 as a reference, the selling pressure was affected greatly on all stocks (including Google) by falling 65% from 2007-end to early 2009. But even during this time, not only did Google continue to increase income, but it also quickly made up for all of its losses as soon as the economy started expanding and the stock market stabilized.  What are some ways to buy Google shares in India?  You can buy Google shares in India directly using a US brokerage account, through US ETF, or through mutual funds.  What is the minimum amount required to buy Google shares? Although as of Jan’22, one share of Alphabet costs $2,789.61, you can buy a part of Google stock at only $1.   How to invest in Google from India? You can trade in Google from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India.

In today's technologically advanced world, investing in US equity markets from India is straightforward. Investing in foreign markets has become a crucial part of diversifying your portfolio. Investing in US stocks is becoming increasingly popular among Indian investors. The Nasdaq is one such stock exchange where you may place your investment. What is Nasdaq? How does it work?   Nasdaq stands for National Association of Securities Dealers Automated Quotations; in case you didn't know.    When it opened its doors in 1971, Nasdaq was the world's first digital stock exchange. There are currently three indices in it.   The Nasdaq Composite, the Dow Jones Industrial Average, and the S&P 500 are the most well-known.   The Nasdaq 100 index refers to the top 100 non-financial corporations listed on the exchange. The Nasdaq 100 firms account for more than 90% of the weighting of the Nasdaq Composite Index.   The Nasdaq Financial -100 is a collection of Nasdaq-listed financial companies Difference between the Nasdaq and the NYSE?   Many people mistakenly believe that the New York Stock Exchange (NYSE) and the Nasdaq are the same. That is not the case, however. The NYSE is the world's largest equities-based exchange and the oldest in the United States.    Most exchanges have abandoned the trading floor idea and now trade digitally. On the other hand, the NYSE still has a physical trading floor on Wall Street. Its data center in New Jersey is also responsible for a significant portion of the trade. Nasdaq, on the other hand, lacks a physical trading floor. Since its debut, it has been trading electronically Dealings: The primary distinction between exchanges is how securities are traded. The New York Stock Exchange is an auction-based market. This means that both buyers and sellers submit competitive bids simultaneously. A stock's current price reflects the maximum bid a buyer is willing to pay and the lowest price a seller is ready to take.   Nasdaq, on the other hand, is a dealer-based exchange. Multiple dealers list pricing at which they could purchase or sell a particular stock in this forum. The dealer, in this case, is a Nasdaq market-maker, someone who proactively transacts stocks on behalf of traders.   Both of these markets are controlled by traffic controllers. Traffic controllers generally link buyers and sellers, but their responsibilities on the Nasdaq and NYSE are distinct. As previously stated, a market maker is a Nasdaq traffic controller who proactively buys and sells equities on behalf of traders. The traffic controller at the NYSE is a specialist. He is in charge of determining the stock market's opening price, approving limit orders, and dampening interest in specific equities.   How can an Indian investor invest in Nasdaq? 1. The direct way   By opening a US brokerage account through technology platforms or a foreign brokerage with a direct presence in India, you can invest directly in the world's leading technology businesses like Apple, Microsoft, Google, Facebook, etc., listed on Nasdaq.   You must send funds to the United States to invest in US stocks. You can do this as an Indian resident under the RBI's Liberalized Remittance Scheme, which allows you to send up to US $250,000 per person per year. Stocks are intrinsically expensive because their prices are denominated in dollars. However, you can acquire fractional shares, so you can start investing in your favorite firms with as little as $1.   2. The ETF way   ETFs are another option for investing in Nasdaq from India. One approach is to purchase an ETF through a brokerage platform. One example is Index ETFs, such as the Invesco QQQ Trust, which tracks the NASDAQ 100 index. Companies including Amazon, Apple, Microsoft, Meta (Facebook), Netflix, Google (Alphabet), and Tesla are among the ETFs' top holdings.   Another method to engage in Nasdaq from India is to buy ETFs like the Motilal Oswal Nasdaq 100 ETF or the ICICI Prudential Nasdaq 100 index fund, which invests in US indices. You can trade in these ETFs without opening a new brokerage account in the United States. However, tracking errors in these ETFs may negatively influence your gains.   3. The mutual fund way   In this situation, you'll most likely be investing in funds of funds or a domestic mutual fund that invests in a US mutual fund on the Nasdaq. Since the investment would be made in Indian rupees, there is no investment restriction. This strategy, though, may prove to be more expensive. An annual expense ratio will be required of you. These funds' expenditure ratios are often higher.    As we've seen, there are numerous ways to invest in Nasdaq and join the world's second-largest stock market from India.  FAQs How can I invest in Nasdaq through mutual funds in India? You can invest in mutual funds using the EduFund App in India. Here some easy it is to get started: Download the EduFund App from playstore or Apple store. Set up your account by providing Aadhar, PAN card and your bank details. That’s it! You can start investing and explore thousands of mutual funds for a lumpsum or SIP option. How can I start a SIP? You can start a SIP on the EduFund. Simplify download the EduFund App, set up your investment account using your Aadhar, PAN card and bank account details. After your account is ready, you can explore all the top mutual funds from top AMCs and start a SIP with just Rs. 500! You can increase your investments periodically with no hidden charges. Can I start investing with Rs. 1000? Yes, it is possible to invest with Rs. 1000 in mutual funds. There are thousands of mutual funds on the EduFund that offer minimum investment amount as RS. 1000 and even Rs. 500! Another amazing benefit is that there are no hidden charges or fees involved. Using the EduFu,d you can directly invest in the fund. You can also opt for a lumpsum or a SIP option for mutual funds. The main difference is SIP is a recurring monthly investment and lumspum is a one time investment. Start small, start early with EduFund!

Friends, Ghoul, Sacred Games, The Office, etc., are some shows which have been seen and relished by the people here in India. One common thing about these shows is that all are available on one platform, Netflix. Since its debut in India, Netflix has become the biggest OTT platform!    Netflix, Inc. is an American provider of over-the-top media services based in Los Gatos, California. The company's core business is its subscription-based streaming service, which allows online streaming of a library of films and television programs, including those created in-house. It was founded in 1997 by Reed Hastings and Marc Randolph in Scotts Valley, California. Netflix's corporate offices are at 121 Albright Way in Los Gatos, California. In addition to the United States, they operate offices in the Netherlands, Brazil, India, Japan, and South Korea.   There are various reasons why Netflix is the most popular streaming service. Netflix offers a superior recommendation system that advises what entertainment to watch based on popular shows, general viewer interest, and specific shows the user has previously enjoyed. Netflix tests these algorithms with its consumers and makes improvements as needed. In addition, data mining aids Netflix in recommendations. Netflix also took a risk by investing in original content production. Still, it paid off because some of the most famous and successful shows in recent years have aired on Netflix rather than on more established networks. Netflix has been able to maintain a dedicated following and a competitive edge due to this.   Netflix is one of the few stocks every investor should consider. Let's first look at some real stuff before we proceed.  Latest market close $371.73 52-week range 351.46 - 700.99 Dividend yield  NA Earnings per share  $10.68 Beta 1 Market Capitalization $ 164 billion Average Volume (3m) 7,295,226 PE ratio  33.88  Three ways to invest in Netflix from India  1. The direct way   You can trade in Netflix from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Netflix's share price was US $525.69 on January 14, 2022, which is over forty thousand rupees. However, the premium price of Netflix shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With just $1, you can buy a part of a Google stock and own a piece of the corporation.   Additional read: How to invest in Google from India? 2. The ETF way   One way to invest in Netflix stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds in that they're invested in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   You can invest in the Invesco QQQ Trust, which contains Netflix as one of its top holdings.   Another option for investing in Netflix stocks from India is to purchase ETFs that invest in US indices such as the Nasdaq 100. Netflix is holding the Motilal Oswal Nasdaq 100 ETF. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   Additional read: How to invest in Nasdaq from India? 3. The Mutual Fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since the investment would be made in Indian rupees, there is no investment restriction. Netflix is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio will be required of you. The expense ratio of these funds is typically greater, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee.   A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Netflix would be a greater risk strategy for your portfolio. FAQs Can I invest in Netflix directly from India? Yes, you can invest in Netflix from India on the EduFund. Download the App, and set up your US account for free without any commission or opening charges. You also get a first-year free on-account maintenance. Once it's set up, you can invest in all the top US stocks on your own! What is the Netflix stock price currently? Netflix's current price is at $411. How to start investing in Netflix? There are several ways to start investing in Netflix. You can directly invest in the company by buying its stocks through an app, you can invest in the company indirectly by investing in mutual funds or ETFs that will buy the stock as a part of their portfolio.

As per Statista’s findings, “Coca-Cola is one of the top companies in the world by market capitalization”. The name is among the leading companies like – Apple, Alphabet, Tesla, and Amazon.  Market capitalization is a critical parameter considered in calculating a company’s worth and the trading opportunities it presents. Coca-Cola is considered one of the biggest companies in the world as per the Market Value Index 2022.  Having such a high market capital ratio and being well-known for its “formula”, Coca-Cola shares opportunities for investors, particularly Indian.  However, many investors find it complicated to seek a way to invest the right way from India. Yes, you can invest in Coca-Cola stock from India. The blog states the best and easiest ways to invest in Coca-Cola from India.   Coca-Cola: One of the leading beverage companies in the World  Coca-Cola is a key beverage company in the world. Atlanta, Georgia, is the company's headquarters. Globally, it has 200 bottling partners.  Coca cola’s net worth as per July 2022 statistics stands at $273.71 billion. There would be hardly any personality in the world who would fail to recognize the iconic letters describing the bottle. It is this aspect that captures the investor’s attention.  To talk about its bottles, have undergone constant evolution since 1886. It is the year that marked the invention of the iconic brand. The taste soon got popular in the UK and the brand became the first to cross the annual £1 grocery sales. What does the Coca-Cola market benefit the most from?   Coca-Cola is well known for manufacturing different beverages:  Beverage concentrates  Syrups  Sparkling soft drinks  Fruit drinks  Water  Sports drink  Juice  Plant-based drinks  Tea  Here is how its product segment contributes to the company’s growth: Product Segment Company contribution Coca Cola 17% Diet Coke 17% Coke Zero, Sprite Zero 14% Powerade and other brands 14%  What are the main motivations to invest in Coca-Cola than Pepsi from India?   Here are some popular reasons to invest in Coca from India in 2022: Coca Cola Stock PepsiCo Stock Coca-Cola's cash stash of $17 billion accounts for 53% of stakeholder’s equity  Coca Cola's cash stash of $17 billion accounts for 53% of stakeholder’s equity  It has a global market share of 8.4%. It shares greater pricing flexibility than Pepsi.co It has a global market share of 3.6% It has a no.1 market spot globally PepsiCo has a grand presence It deals only in Beverages It deals in beverages and snacks  Why does Warren Buffet love Coca-Cola so much? Ever wondered why Warren Buffet’s Berkshire Hathway owns a 400 million or 9.2% stake in the company? According to Business Insider’s statistics, Berkshire Hathway invested $1.3 billion investing in Coca-Cola. The price of Coca-Cola stock rose 2% in 2022. It is not it. Here are other reasons Warren Buffet, the famous Angel investor, relies on Coca-Cola’s future.  He believed it to be an undervalued brand being the biggest beverage industry dominator  The company launched fresh brands of juices, sports drinks, coffee, and bottled water in 1988. The annual revenue rose from $8.3 billion in 1988 to $38.7 billion in 2021  It buys back its stocks (major reason).  He deems it as a “FOREVER STOCK Additional read: How to invest in Netflix from India? What is the Coca-Cola company's share price in India in 2022?  As of 8th July 2022, the share price of Coca-Cola stands at ₹4.9k.  Is it ideal to invest in Coca-Cola from India in 2022?   Here are some popular reasons to invest in Coca-Cola from India in 2022: The stock price of Coca-Cola has risen by 17% from 2021.  As per the Economic Times, “Cola-Cola is to make “Maaza” a $ 1 billion brand by 2023.”  Undoubtedly, the stock will rise in the upcoming times and subside any US inflation fears.  Additional read: How to invest in Google from India How to invest in Coca-Cola from India?   Coca-Cola owns popular brands like- Minute Maid, Fanta, Maaza, and Coke Zero. You can invest in Coca-Cola from India in multiple ways:  1. Direct investment in the US stock  You can invest in Coca-Cola from a brokerage account in India. It is an account that holds financial securities or securities either with a bank, broker or custodian. Investors and traders hold accounts with the respective broker and the bank. They buy and sell stocks through the security account.  To invest in Coca-Cola from India, you can open up a US brokerage account by choosing from multiple platforms available.   Or use a foreign brokerage sharing a direct presence in India.  2. Invest through ETF Funds   Another option through which you can invest in Coca-Cola is through ETF funds. An Exchange-Type Fund (ETF) is a pooled investment that works like a mutual fund. It tracks funds under index, commodity, asset, and sector.    It can be purchased and traded similarly to other stocks. ETF holds funds for different industries like- Household products, beverages, staples, food, etc. Some ETFs invest in US indexes. You can invest in Coca from India through ETFs of the US available in India.  4. Coca-Cola Mutual funds In India    It is one of the straightforward methods to invest in US Coca-Cola Stock. In this, you can invest in local mutual funds that share availability in the US. One can invest in Indian Rupees. There are no restrictions to that. However, there may be a charge to invest in the stock from India. The fee is known as the Expense ratio.    These fees tend to be high. If you are a beginner investor, it might not be an ideal stock for you. It shares potential risks. However, the stock is performing well, but the fee makes investment costlier. Evaluate the risk appetite and invest in an informed manner.   As per the research, Coca-Cola stock is the stock of the “Future”. It certainly holds the potential for an investor to multiply his wealth. Advantages of investing in Coca-Cola 1. Renowned company Coca-Cola is one of the world’s largest companies, which sells beverages in at least 200 countries in the world through wholesalers, retailers, and partners. Coca-Cola has more than 500 beverage brands. Out of the top 5 beverages in the world, four are owned by the soda giant.    2. Can withstand recession There are so many stocks that do well during the bull market and struggle when a recession hits. But Coca-Cola is one of the few companies that can withstand recession with minimal loss compared to other companies.   3. Dividend  The growing dividends are one of the big advantages of Coca-Cola. Many reports suggest that the company gave out dividends to its shareholders even during the most challenging times.    Disadvantages of investing in Coca-Cola 1. Potential product slide Though it’s very hard to see a company as big as Coca-Cola lose customers, there has been a slight mindset change amongst people, with many choosing the healthy way. People are starting to be vocal about staying away from sugary drinks to concentrate on fitness. This could be a minor concern for a potential investor.  2. Expensive stocks   Coca-Cola stocks are expensive. One might think given the brand name and size of the company, the prices are justified, but with recent performances and future expectations of the stock, a few investors could have second thoughts because of its price.   How to invest in Coca-Cola from India?   Though it may sound complicated, it’s quite easy to invest in Coca-Cola from India. The EduFund app allows you to invest in the US market through US ETFs. Follow the instructions to invest in the app:   Enter the app and click the Invest option in the dashboard   You will see Mutual Funds, the US Market, and Digital Gold options on the screen   Click the US Market, and it will show the Top US Stocks option   Click the View All option, and you will see Coca-Cola fund among the best companies in the world   Choose Coca-Cola fund and start investing   You can invest in Coca-Cola from India in the above-mentioned ways. Keep a check on market fluctuation, fees, and risks. Are you ready to invest in Coca-Cola? FAQs Why should I invest in Coca-Cola?   Statista states that “Coca-Cola is one of the top companies in the world by market capitalization”. The name is among the leading companies like – Apple, Alphabet, Tesla, and Amazon. Market capitalization is a critical parameter considered in calculating a company’s worth and the trading opportunities it presents. Coca-Cola is considered one of the biggest companies in the world as per the Market Value Index 2022   Why did Coke pull out of India?   The Indian government demanded Coca-Cola reveal its secret syrup formula, which led Coca-Cola to pull out of the Indian market in 1977. The brand returned to India in 2003.    What was the strategy of Coca-Cola for the Indian Market?   Coca-Cola acquired local brands like Thumbs Up, Maaza, Limca, and others to expand its global branding. Its excellent marketing campaigns, like sponsoring significant cricket tournaments and involving youth celebrities of the country to market the product, were masterstrokes.    Can I invest in Coca-Cola from India?   You can invest in Coca-Cola stocks from India through US ETFs. The EduFund app offers customers the option of investing in Coca-Cola through US ETFs!   How can I invest directly in Coca- Cola? Yes, you can invest in Coca-COla from India on the EduFund. Download the App, set up your US account for free without any commission or opening charges. You also get first year free on account maintenance. Once its set up, you can invest in all the top US stocks on your own! What is the share price of Coca-Cola? It is $56.49 currently.

As the Indian market is witnessing continuous withdrawals of foreign investments, the USD/INR hit its record low of Rs.80.23 on the 14th of July. As the experts predicted, the rupee hit 80 levels against the U.S. dollar in July 2022, causing a significant shock among investors. Are you worried about saving for your kid's education abroad when the rupee is falling significantly? In this article, let's see how you can hedge over the rising USD rate to save up for a child's higher education. Why has the rupee depreciated? The intrinsic value of the Indian rupee to the U.S. Dollar works on a demand-supply basis. With a higher demand for the U.S. Dollar, the value of the Indian rupee depreciates and vice-versa. The rupee's fall these days is mainly due to high crude oil prices, a strong dollar overseas, and foreign capital outflows. The rupee has declined since early this year, especially after supply chain disruptions because of the Russia-Ukraine war, global economic challenges, inflation, and high crude oil prices, among other issues. Besides, there have been heavy foreign fund outflows from the domestic markets as foreign institutional investors (FIIs) have sold shares worth Rs.2.84 lakh crores this year compared to the withdrawal of Rs. 552 crores in the initial eight months of 2021. As money flows out of India, the rupee-dollar exchange rate gets impacted, depreciating the rupee. Such depreciation puts considerable pressure on the high import prices of crude and raw materials, paving the path for higher imported inflation and production costs besides higher retail inflation What opportunity does this USD appreciation give you? The U.S. Dollar Index has touched levels it hadn’t reached in 10 years. Since the beginning of this year, it has gained 8 percent in value. The main reasons for the rise in the USD rate are an increase in the Fed rate, the Russia-Ukraine war, global sanctions on Russia, soaring commodity prices, China's lockdowns due to covid 19, and Europe's and Japan's economic slowdowns. International investment acts as a hedge against rupee depreciation, also known as currency risk. With the recent rupee fall, Indian investors should take advantage of this opportunity by investing in the U.S. market. Your Indian stock market investments are in INR. However, when you invest overseas (in the U.S. stock markets), it is denoted in dollars. You first convert your money into USD as per the exchange rate to invest and then back to rupee terms during redemption. Whenever the rupee depreciates against the dollar, it means that you earn an additional return on your U.S. investments. You can see how much the USD has appreciated over the past year. In July 2021, the USD to INR rate was recorded at 74.33. On 14th July 2022, the USD to INR was at a record high of Rs. 80.23. After this, the dollar attained a rate of Rs. 79.85 on 24th August 2022. What would this mean for your investment? Overall, the USD has seen a 7.43% increase in its value in INR terms. Let’s understand this with an illustration. If you invest Rs. 10000 in any fund in July 2021 when USD/INR was Rs. 74.33, the investment in Dollar terms is $134. Let’s assume the investments have earned a net return of 0%. Even then, if you redeem it on 24th August 2022, when the USD/INR rate was at Rs. 79.85 compared to the previous rate, your investments are valued at Rs. 10742.63, giving you a gain of Rs.742.63 in a year. Thus, a rupee depreciation results in gains for owners of assets and receivers of income in USD. Saving for your child’s future education amidst this situation When you plan to send your child abroad, for their higher education, as a parent, you are prepared to bear the expenses in that country's currency. Let's take the U.S. in this case. When you send your kid to a renowned college or university in the U.S., you have to pay the tuition fees, living expenses, and other miscellaneous expenses in dollars. As a typical Indian, we always convert Dollars to INR, which we should also do since the income is INR. Now imagine, when you are saving up in INR, is it possible for you to bridge the gap between the two currencies? There would be a significant mismatch in what you're saving vs what you would be spending in dollar terms. But, when you invest in global markets, the U.S. market, in this case, gives you an upper hand to beat inflation and your domestic currency depreciation. If you want to spend in dollars, it is always better to invest in dollars. Now, how is this possible? The significant modes of investment in the U.S. market would be direct stocks, mutual funds, U.S. ETFs, Options, Forex, etc. The most optimum modes of investment in these options would be direct stocks in the U.S. stock market and U.S. ETFs. ETFs are a basket of securities traded on the stock market. ETFs are always a good choice for beginners and investors who do not have much time to invest and manage their investments actively. This investment mode is less time-consuming and offers exposure to every sector and segment of the market, dependent on the investment style of the investors. Conclusion The trade deficits will continue for quite some time, and the rupee is likely to reach 82 levels against the dollar in the third quarter, as per the analysts at Nomura. The rupee might already touch 80 levels before this month's end since there are no positive movements from the MPC committee to tackle the soaring inflation in India or the depreciating rupee value. Moreover, heavy FII inflow in the U.S. market has increased the dollar demand significantly, increasing the USD value. To prepare for your child's higher education, investing in the global markets provides a hedge over currency risk and prepares you for the expenses in that country's currency. With the rising USD rates, you can also see a fundamental value rise in your investment in the dollar. FAQs Why is the rupee depreciating? With a higher demand for the U.S. Dollar, the value of the Indian rupee depreciates and vice-versa. How can you protect your child's savings from currency depreciation in India? A common method to protect your child's savings from currency depreciation is to invest in global markets. Choose US stocks and US ETFs, diversify your portfolio, and invest directly in US dollars so that your child's education savings grow along with the strongest currency. Are international investments a good option? Yes, global investments are good. International investment acts as a hedge against rupee depreciation, also known as currency risk. With the recent rupee fall, Indian investors should take advantage of this opportunity by investing in the U.S. market.

What is SIP? Before we get into SIP investment myths in India, let's look at what is SIP.? SIP (Systematic Investment Plan) is a disciplined way of investing. In this, the investor makes periodical payments to create a corpus at the end of the investment horizon. SIP mode is one of the effective ways for retail investors to generate wealth over a long period. SIP has become a prevalent mode of investment as you can start as low as Rs.100 depending on the fund. Some advantages of investing via SIP They offer your portfolio the power of compounding. In this, the returns you earn with your existing sip investments get reinvested, and you generate returns on that too. SIPs have a low initial cost; you do not have to start with high amounts and are the best option for retail investors. It offers you the advantage of rupee cost averaging. It is a concept where you acquire more units of the investment when the fund's NAV – Net Asset Value is low. It creates a disciplined way of investing in every investor. This helps the individual to achieve their investment goals and objectives. Start Investing Busting the common SIP investments myths 1. SIP is an investment instrument The common misconception that people have when they start their investment journey is that SIP in itself is an investment product. The common question is, how much will the SIP generate? But one thing to remember is that SIP is not an investment instrument. It is an investment mode through which you can invest in mutual funds. 2. Only small investors should take the SIP route SIP is the best way for a retail investor to start with smaller amounts, but it is not confined to just too small investors. Even investors with higher periodical investments can use SIP to generate wealth. For example, an investor can invest through SIP mode with Rs. 500 or even Rs. 20000 depending on their savings. 3. SIP amount or tenure cannot be modified Investments are meant to be flexible to help smooth an individual's investment journey. People often assume that the SIP tenure and amount cannot be changed, which adds pressure on the investor. This is not the case. SIP tenure and amount can be modified with some conditions involved. In the case of equity funds, there is an exit load if the fund is exited before the one-year tenure is complete. Moreover, ELSS or tax saving schemes have a lock-in of 3 years. But other than this, SIP investments are very flexible to fit the investor’s requirements. Additional read: Is SIP a good way to save for your child’s college? 4. SIP is only for Equity funds SIP investments are recommended more in equity funds as such funds are more exposed to market volatility. However, investing in debt-based mutual funds via SIP mode is equally beneficial. They almost replicate the way recurring deposits (RDs) work but with the potential of better returns. Moreover, you have a variety of debt funds to choose from while making your investment. Understanding SIP investment Read More 5. SIP investments should not be made when the market is booming During a bull run, when the markets are continuously rising, people always think it is not the right time to invest. But this is not correct in the case of SIP investments. When you invest in a SIP mode, the number of units purchased will be less due to the high Net Asset Value (NAV), but SIP is a long-term process. The markets will change and not stay the same due to fluctuations and volatility. When the market falls, SIP investment acquires more units at a discounted NAV, averaging out the overall NAV of the Mutual fund holding in the portfolio. 6. SIP means guaranteed returns SIP investments help you invest in any fund at periodic intervals. They're considered a safer option as you don't have to time the market as in the case of lumpsum investments. But still, Mutual funds are also subjected to market risks and volatility. In the short term, SIPs do not generate guaranteed returns. Instead, SIP helps an investor with long-term capital appreciation. Therefore, every investor should be prepared for market volatility and have a risk appetite before investing. If you are looking to invest in a Mutual fund through the SIP route, be prepared to be invested for a long time with a wealth creation perspective. 7. SIP is a Product SIP is not a product. It is an investment tool. As an investor, you can use it to invest via SIP in stocks, mutual funds, index funds, and even in recurring deposits or PPF. SIP is an excellent investment tool that helps one become a disciplined and consistent investor for the long haul. FAQs Is it worth investing in SIP? Yes, investing in SIP is worth it. SIP (Systematic Investment Plan) is a disciplined way of investing. The investor makes periodical payments to create a corpus at the end of the investment horizon. Is there any chance of loss in SIP? Yes, there can be losses in SIP. SIP is a means of investing in mutual funds, stocks and other investment products. These products are subject to market risk and can fall & rise as a result of market changes. Is investing in SIP profitable? Yes, SIP is profitable. It allows you to invest small sums of money for a long duration and grow it into a sizable corpus. Does SIP have market risk? Yes, SIP does carry market risk especially if you are investing in mutual funds. This is because the latter is subject to market risks. SIPs guarantee profits. Is that true? No, SIPs don't guarantee profits. They're subject to market fluctuations; returns depend on the performance of the underlying investments. SIPs are only for the wealthy. Can anyone invest in SIPs? SIPs are affordable, allowing people with modest incomes to start investing and benefit from compounding over time. SIPs are only for stocks. Can I use SIPs for other assets? Yes, SIPs can be used for various assets like mutual funds, gold, bonds, and more, not just stocks. How to start a SIP? You can start a SIP on the EduFund App to save for your kid's college, school fees, education expenses like uniform, laptop and much more. All you need is a bank account, PAN card and your adhar card to get started. Download the App today and start investing in over 5000 funds from all the top mutual fund companies in India.

Based on global standards, India is considered one of the most affordable countries in the world, but ever wondered which are the cheapest city in India? Most Indian cities offer optimal value for life at nominal expenses.  Raising a child involves paying for grocery items, vaccinations or medical expenses, school fees, uniforms and textbooks, transport costs, daycare, extra-curricular activities, vacations, etc.  There are several cheap cities in India where raising your child is a piece of cake. The low cost of living and schooling in these cities makes it easy to lead a life of contentment. 10 cheapest cities in India to raise your child 1. Udaipur Udaipur is known for its scenic beauty, peaceful environment, and historical sites. Rent, traveling, education, food, and clothing are available at affordable rates.  Despite being a major tourist destination, Udaipur is one of the cheapest Indian cities where parents can easily maintain a good living standard. The average cost of living is just INR 28,300 per month, and parents can afford to send their children to good schools and pay for other expenses without stretching their budgets.  2. Ahmedabad Ahmedabad is emerging as one of the fastest-growing Indian cities because of its industrial, educational, and economic centers. The average cost of living is INR 35,000 per month as accommodation, transportation, food, and related expenses are all cheap.  Ahmedabad caters to the section of people who are looking for a convenient living experience. It retains the charm in terms of simple living, and this is why the highly developed city remains a top choice for parents who want to raise their children in a cheaper city. 3. Chennai Chennai, the social capital of South India, is one of the safest and cheapest cities that boasts of people with warm and welcoming nature. The economically sound metropolitan city has beautiful beaches, incredible temples, amazing churches, and some of the finest schools and colleges in India.   The average cost of living in Chennai is INR 35,000 per month, out of which average rent costs as little as INR 6,000/ month and average school fees INR 5,000/month. Transport cost in the city is also affordable.  Cheap house rent, low cost of grocery items, reasonable transportation rates, excellent job openings, and a rich educational heritage encourages parents with young children to reside here and take advantage of available opportunities.  4. Hyderabad Innumerable families have relocated to Hyderabad in recent years not just because of the job opportunities but because it is one of the cheapest cities in India where parents can raise their children easily.  The average cost of living in Hyderabad is estimated at INR 37,500 per month, and folks with decent jobs can provide a lavish life to their dependents.  Along with the IT industry, Hyderabad is also known for its historical sites, upscale restaurants, malls, and educational institutions. The city offers numerous options to people who want to live within their means and raise their children without worrying about expenses.  Most expensive colleges in India Read More 5. Kolkata Kolkata, the capital of West Bengal, is one of the cheapest cities in India based on variables like rent, travel, and food expenses. The metropolitan city is an important cultural and educational hub and hence is considered a favorite of parents who want to raise their children in an affordable environment.  Kolkata is a safe city with a low crime rate, proper transportation facilities, good schools, and lots of recreational centers. The average cost of living in Kolkata is around INR 40,000 per month, and the average fee structure of schools is INR 4000/per month.  There are good schools at reasonable distances so that the transportation cost is also low. It becomes easy for parents to send their children to a respectable school with a lower fee structure.  Kolkata is one of the cities that ensures a perfect balance of school activities and studies and hence is a preferred location for parents who want to provide better education to their children at reasonable rates.  Additional read: Top 5 business schools in the world 6. Bengaluru Besides being the corporate hub, Bengaluru is surprisingly one of the cheapest cities in India to live in. The cost of living in the capital city of Karnataka is quite low (INR 40,000/month) as the rent, grocery expenses, and transportation costs are also less.  Bengaluru is a city with lots of schools for young children and universities for students who want to pursue higher education. The reasonable fee structure (INR 5,000 to INR 7,000 per month) and numerous career opportunities make it an ideal location for parents to raise their children. 7. Jaipur India's pink palace is not only a beautiful city to live in but also inexpensive. The average monthly cost of living for a family in Jaipur is INR 37,000 - INR 1,00,000. As a student or working professional, it can be cheaper and more cost-efficient. Jaipur is one of the cheapest cities in India. The everyday expenses are fairly priced, the city is well-connected with tons of cheap transportation alternatives and there are many affordable apartments with an average rent of Rs. 16, 000 to 17,000 for a single person. 8. Kochi Kochi is a beautiful coastal city located in the God's state of Kerala. The average cost of living in the city is INR 26,000 to INR 30,000 for a single person. It is an amazing city to live in for nature lovers and a great blend of nature & modernity. Kochi is a great place to raise your children as Kerala is ranked highest in terms of education and healthcare. The state prioritizes good quality education and affordable healthcare in terms of development. 9. Kanpur Kanpur is a city located in Uttar Pradesh. Popularly known for its academic excellence and housing India's most popular academic institute - Indian Institute of Technology, Kanpur. It is one of the cheapest cities in India with an average cost of living at INR 20000 to INR 30000. The city is home to engineering students from all over the country and has a beautiful culture of academic pursuit and history. This small city is well-connected with big cities like Delhi, Lucknow, and Agra and is ranked one of the most inexpensive cities as well. 10. Indore Indore is a city located in Madhya Pradesh and is known for its temples, lakes, and culture. The monthly cost of living in this city is INR 20,000 to INR 30, 000 for an individual. The city is located in the heart of the state and is extremely well-connected with the rest of India. It is one of the fastest-growing economies in India and you can rent a single-bedroom apartment for INR 10,000. It is a student paradise due to its affordability, charm, and cuisine. Conclusion The average cost of living in Indian cities is substantially lower compared to other global cities. Parents can afford to send their children to good schools because of affordable fee structures. Moreover, they can maintain a good standard of living without compromising on reasonable luxuries. FAQs What is the cheapest city to live in in India? The cheapest city in India is Kolkata, Kochi, Kanpur, Indore, and many more. What are the 10 cheapest cities to live? Udaipur Ahmedabad Chennai Hyderabad Kolkata Bengaluru Jaipur Kochi Kanpur Indore Which state in India has the lowest cost of living? Uttar Pradesh in India has the lowest cost of living in the subcontinent. Which Indian city is costly? Mumbai is the most costly city in India. The average rent for a shared room in the city is INR 25,000 and more. What is the cheapest city to live in India? Based on last update in September 2021, cities like Patna, Bhubaneswar, and Guwahati were known for lower living costs. Can living costs change over time? Yes, living costs can change due to various factors, so it's essential to check the most recent data and cost-of-living indices for updated information. What factors make a city cheap to live in? Lower housing costs, affordable food, and transportation options often contribute to a city's affordability.

For parents who desire to send their children to continue higher education but cannot financially do so on their own, an education loan is certainly a blessing. Many people eventually sell off family belongings, including gold, to pay for their children's further education. With the aid of an education loan, you may preserve these priceless possessions while paying for your child’s education. Few loans for higher education may need collateral, and few won’t. Many education loans from the country’s top lenders are available to pay for different courses. Whatever form of student loan you decide to take out, you must have a reliable repayment schedule in place. By doing this, you or your child will be able to pay the monthly payments without going into default. You've come to the right place if you need assistance managing student loans. Apply for Education Loan Tips to repay education loans faster 1. Advice for managing student loan debt Are you soon to take out a student loan? Continue reading for some practical advice on managing student loans. 2. Select a loan with a shorter term A brief tenure is a fantastic choice for managing student loans. While a shorter loan term can result in higher EMI payments, it will also enable you to save significantly on interest payments. Now, this does not imply that you choose EMIs that are too expensive for you to afford. Instead, go with the shortest tenure you can handle. To figure out how much you can afford to pay each month for your student loan, use an EMI calculator. How Does Education Loan Work? Read More 3. Pick a suitable repayment strategy Choosing the appropriate repayment option is the best method to manage student loans. You will have several repayment choices from your lender. Pick the option that fits your budget the best. You must be mindful of the duration of your moratorium. You will then be aware of how much time your child has left to obtain employment and save funds before the first EMI is due. Do not forget to consider how much they can expect to make in their first job. You can determine the appropriate tenure and EMI with the help of all of this. Without such careful planning, you can end up selecting an EMI that would be very expensive for both of you. https://www.youtube.com/watch?v=9EAyvncisU4 4. Set up automatic payments Missing loan installments might seriously harm your child's financial situation. Their credit score may be impacted, and they may incur late fees as a result. Just ask them to set up automatic withdrawals from their savings account so you won't have to worry about missing payments. They won't incur any missed EMI charges because these payments will be made on time. They will be able to retain a good credit score with regular payments. In turn, a good credit score is beneficial for making future loan applications. Education Loan Repayment Strategy Read More 5. Pay off interest during the moratorium Your payments don't start right away when you take out an education loan. They start after the moratorium has ended. The moratorium is a six-month or one-year period that starts when you finish your course. The interest on your child’s school loan starts to build the instant they receive the funding, even if your payments won't start until the moratorium is over. Therefore, it would be good to begin paying this interest while your child is still attending school. The best student loan advice you will likely receive is this. While still in college, your child might want to think about having a part-time job. The money they make from this job can be used to pay off their student loans. Either of you will significantly reduce the total amount that must be paid if you pay off this simple interest before it accumulates. 6. Make additional loan repayments Did you get a pay raise at work? Or perhaps your relatives gave you some cash as a gift. You might want to think about increasing your student loan payments if you get some extra money. This is a fantastic strategy to reduce the overall payback burden. Making larger payments on your student loan may enable you to pay it off earlier. One of the best pieces of advice for properly managing student loans is this. Check with your lender to see if there are any prepayment charges, though. Before going through your loan application process, you can check the fine print or ask your lender whether there are any penalties. https://www.youtube.com/watch?v=fufyFB9aMQI Conclusion The repayments of a loan can be very stressful. You and your child should do whatever you can to make it easier. These points will help reduce the burden on them and help them go through the process. If after this there are any questions, advice, or information you need, EduFund’s team of financial advisors is available to talk to you FAQs Can I repay my education loans before the scheduled time? Yes, most education loans allow early repayment without penalties. Check with your lender for specific terms. Are there benefits to repaying education loans early? Yes, early repayment can save you on interest costs and improve your credit score faster. What should I consider before repaying my education loans early? Ensure there are no prepayment penalties, evaluate your financial situation, and prioritize higher-interest debts first. Is there an option to repay your education loan before time in India? There are NO penalty charges for prepayment. You can prepay your education loan anytime. Can we close the education loan before tenure? Before prepaying your education loan, you should consult your lender to understand whether they will levy any kind of prepayment penalty. In India, there are no penalties on prepayment but it's important to consult and check to avoid extra payments. Connect with our Loan Experts

Debt mutual funds make investments in fixed-income assets such as government securities, commercial paper, corporate bonds, and treasury bills, among others. Let’s examine the best debt investment options in India. What are debt mutual fund investments?  Debt mutual funds make investments in fixed interest-earning securities like certificates of deposits and treasury bills. A debt fund's principal goal is to build wealth by earning interest income and steadily increasing the invested capital. During the time that investors remain invested in the fund, the underlying assets produce a fixed rate of interest.  A debt fund's fund manager makes investments in assets depending on those assets' credit ratings. When debt security seems to have a better credit rating, it has a better possibility of making regular interest payments as well as principal repayments when the investment term expires. Additionally, the fund manager adjusts his investing strategy per the general changes in interest rates. Who should invest in the best debt mutual funds?  Investors who are risk-averse and not ready for equity exposure might choose debt funds. Debt funds generate wealth for investors with little to no risk. These funds are also focused on steady revenue. Debt funds are often held by investors for a short- to medium-term time horizon. Your investing horizon should be taken into consideration when selecting a debt fund.  For a short-term investor who often keeps their excess cash in a savings account, liquid funds might be a good option. Much like savings bank accounts, liquid funds allow withdrawals at any time and offer bigger returns in the amount of 7% to 9%. Dynamic bond funds can be the best choice if you ever need to ride the volatility of interest rates. With a medium-term investment horizon, these funds can provide more returns than a 5-year bank FD. Factors to consider for Investors  1. Fund goals Debt funds diversify their portfolio of different securities to maximize returns. They will behave predictably. Debt funds are available to conservative investors for this reason.  2. Fund Category  Further subcategories of debt funds include monthly income plans (MIPs), liquid funds, dynamic bond funds, fixed maturity plans (FMPs), GILT funds, income funds, credit opportunities funds, short-term funds, and ultra-short-term funds. 3. Risks Interest rate risk, credit risk, and liquidity risk are all factors that might affect debt funds. The movement in overall interest rates may cause changes in the fund's value. The issuer could miss a payment deadline for interest and principal. When there is no demand for the fund management to liquidate the underlying security, liquidity risk is there. 4. Cost To manage your investment, debt funds carry an expense ratio. No fund house may charge more than what the Securities and Exchange Board of India (SEBI) has determined as the maximum. 5. Investment Horizon For liquid funds, 3 months to a year investment horizon is suitable. You may want to look into short-term bond funds if you have a longer time horizon, like two to three years. 6. Financial Objectives Debt financing can be utilized for several purposes, including generating extra income or enhancing liquidity. Additional read: How does rating impact debt funds? How should best debt mutual funds be evaluated? 1. Fund returns Over the long term, such as three, five, or ten years, you need to search for stable returns. Select mutual funds that consistently outperformed benchmark and rival funds throughout a range of periods. To get results, keep in mind to evaluate the fund performance that corresponds to your investment horizon. 2. Funds history Select investment fund companies with a proven track record of reliable performance. Make sure they have a minimum of a five to ten-year history of reliability. 3. Expense ratio It displays the percentage of your money that is used to manage the fund. A larger take-home return results from a reduced spending ratio. Select a fund with a lower expense ratio that has the potential to perform better. 4. Financial ratios To analyze a fund, you can utilize financial ratios such as the standard deviation, Sharpe ratio, alpha, and beta. Compared to a fund with a lower beta and standard deviation, a greater beta and standard deviation fund are riskier. To find investments that offer larger returns for each additional unit of risk taken, search for funds that have a higher Sharpe ratio. Top 10 best debt mutual funds in India You must examine a fund from several angles before choosing it. The best debt funds can be found using a variety of quantitative and qualitative criteria depending on your needs. Your financial objectives, level of risk tolerance, and investment horizon should also be considered. Disclaimer: This is not investment advice. Please use it for education purposes only. Investing in debt funds can frequently become challenging. Before starting it’s always good to understand the financial risks and benefits involved in any investment. FAQs Which debt fund gives the highest return in India?   The return on debt funds in India can vary based on factors like interest rates and market conditions. It's challenging to pinpoint a specific fund that consistently offers the highest return, as returns fluctuate over time. Investors should consult with financial advisors and research different funds to make informed decisions.  Which type of debt fund should I invest in?   The choice of debt fund depends on your investment goals, risk tolerance, and investment horizon. Common options include liquid funds for short-term needs, ultra-short-term funds for slightly longer durations, and dynamic bond funds for more flexibility. Consult with a financial advisor to determine the most suitable debt fund for your specific requirements.  How can I get a 20 percent return on investment in India?   Achieving a consistent 20 percent return on investment in India can be challenging and typically involves higher risk. To pursue such returns, you may consider investing in equities or high-risk assets, but it's essential to have a well-structured investment plan and risk management strategy. For personalized advice, speak with a financial advisor.  Which type of debt funds give the highest return?   Debt funds' returns depend on various factors, including the type of bonds they invest in, their duration, and market conditions. Generally, longer-term and riskier debt funds, such as credit risk funds or long-term gilt funds, have the potential for higher returns but come with increased risk. 

Allocating funds to assets to improve your future is known as investing. Investments are undertaken to produce returns, which increase the initial amount invested. Top 7 types of investment options available in India There are many different investment options available to you. However, you must be sure that you are only investing in options that match your risk tolerance and fulfill your needs. 1. Direct Equity The most successful investment vehicle is probably direct equity, sometimes known as stock investing. Purchasing stock in a firm entitles you to a part of that business. The expansion and improvement of the business are directly financed by you. To profit from your investment, you must have enough time and market understanding. Stocks are made available by publicly traded firms through recognized stock exchanges. The best investments for the long run are stocks. Due to the impact of various economic and commercial factors on equities, you must actively manage your investments. Additionally, you must be aware that the returns are not ensured and be prepared to accept the risks involved. Benefits and Types of Equity Mutual Funds Read More 2. Mutual Funds The last few decades have seen the development of mutual funds. A mutual fund pools investments from different institutional and individual participants who share the same investment goal. A financial expert known as the fund manager oversees the pooled funds and makes investments in securities and other assets to maximize returns for investors. Equity, debt, and hybrid funds are the three main categories of mutual funds. Debt mutual funds invest in bonds and papers, whereas equity mutual funds invest in stocks and instruments relating to the stock market. Equities and debt instruments are both invested in by hybrid funds. Mutual funds are adjustable investment products that allow you to start and stop investing whenever you like. Since the fund manager takes care of everything, investing in mutual funds doesn't require much time or expertise. To invest in mutual funds, all you need to do is invest and the fund manager will take care of the portfolio construction. However, it is advised to only invest in funds whose risk profiles and goals align with your own. Returns are not guaranteed because they are based on market fluctuations. Please take note that a fund's previous performance does not guarantee future results. Start Investing in Mutual Funds 3. Recurring Deposits Recurring Deposit (RD) enables investors to make a fixed monthly investment and receive a fixed rate of interest. RDs are available through bank and post office branches. An RD enables investors to make small monthly investments to build capital over a predetermined time. RDs provide total capital protection in addition to returns that are ensured. 4. Fixed Deposits FDs are a type of investment that banks and other financial institutions offer. You deposit a sum of money for a set period and receive a fixed rate of interest. Fixed deposits, as opposed to mutual funds and stocks, provide total capital protection and guaranteed returns. However, since the returns stay the same, you make a compromise. The interest rate on fixed deposits varies based on the state of the economy and is set by the banks per the RBI's policy review decisions. Although fixed deposits are traditionally locked-in investments, investors are frequently permitted to use them as collateral for loans or overdraft facilities. There is also a fixed deposit with tax benefits that has a 5-year lock-in. 5. Employee Provident Fund One of the retirement-focused investment vehicles is the EPF, which enables salaried people to benefit from a tax credit under Section 80C of the Income Tax Act of 1961. EPF deductions are normally made as a percentage of an employee's monthly pay, and the employer also contributes an equal amount. The EPF withdrawal corpus is completely tax-free once it matures. Each quarter, the Indian government also sets the EPF rates and offers a guarantee on your EPF deposits. You should be aware that your EPF account matures only after you reach retirement and that you may only access your assets in the EPF if you meet certain requirements. 6. Public Provident Fund PPF is a 15-year lock-in investment vehicle that offers long-term tax savings. The Indian government is the one who is offering it, and the government guarantees back your money. The Indian government reviews the PPF interest rate every three months. After 15 years, the investor can withdraw the full corpus completely tax-free. PPF permits partial withdrawals and loans as well, provided a few requirements are satisfied. If certain requirements are met, premature withdrawals are allowed, and when your investment reaches maturity, you can prolong it for an additional 5 years. 7. National Pension System A relatively recent investment option for reducing taxes is the National Pension System (NPS). Investors who subscribe to the NPS plan must remain locked in until retirement and can expect larger returns than those from PPF or EPF. This is so because the NPS provides plan options that also invest in stocks. A portion of the NPS maturity corpus, which is not tax-free, must be used to buy an annuity that will provide the investor with a regular pension. Only 40% of the total accumulated corpus may be withdrawn as a lump sum; the remainder is invested in an annuity plan. There are some government personnel who must subscribe to NPS. FAQs What are the 3 main types of investments? Stocks, bonds, and real estate are the three basic types of investments. Stocks represent ownership in a company, bonds are debt securities, and real estate involves owning property for potential income or capital appreciation. What are the six types of investments? The six types of investments encompass stocks, bonds, real estate, mutual funds, commodities (e.g., gold or oil), and alternative investments (e.g., hedge funds or cryptocurrencies). Each type offers varying levels of risk and potential returns, catering to different investment goals and preferences. What is investment and its types? Investment refers to the allocation of capital with the expectation of generating a return or profit over time. Types of investments include financial assets like stocks and bonds, tangible assets like real estate, and alternative investments like commodities or cryptocurrencies. Conclusion You should carefully select investments after conducting a thorough study. Avoid falling into schemes that promise big profits quickly, and always periodically evaluate your mutual fund and stock investments. Take into account the tax consequences of the investment returns you receive. Maintain simplicity and stay away from complex assets that you are unfamiliar with. If you have any questions or need any advice, our team of expert financial advisors is always available to you.

Market volatility is a hard fact and investors must be aware of ways to protect portfolio funds in a falling market. It is possible to limit loss, lock in profits and provide stability to your investments in adverse conditions with help of viable strategies.  Stock gains are steady over time but declines are often unexpected, freefall, and sudden.  Investors must ensure that their portfolio is well-positioned at all times so that it does not hamper overall growth. Making the right investment decisions is as important as protecting the portfolio fund during turbulent market conditions. 8 ways to protect portfolio fund in falling market An economic meltdown is a fact of the investment market that can wipe out hard-earned returns, savings, and retirement funds in hours. Investors must take appropriate steps early on to safeguard their portfolio fund in a falling market, market crash, or an economic depression through preplanned steps.  Some important ways to protect portfolio fund in a falling market are discussed below- 1. Diversification of portfolio funds Diversification of portfolio funds and spreading your money across different investment categories is one of the surest measures for shielding the portfolio fund in a bear market. Investors often invest in mutual funds, exchange-traded funds, and individual stocks expecting good returns. They must have a proper plan in place to move a good chunk of the investment into safer options at short notices Sometimes, the market fall is sudden and it does not give the investor enough chance to move high-risk funds to safe horizons. Individuals should invest in a wide range of investment schemes with different levels of risk. These include stocks, real estate, precious metals, cash value life insurance, bonds, derivatives, annuities, alternative holdings, cash, etc. Additional read: Questions cosigners should ask before taking an education loan 2. Fine-tune the portfolio funds Reassess the asset allocation to determine whether the current portfolio matches your specific risk tolerance. Do not take on more risks than your capacity as it might trigger panic selling during adverse conditions and result in heavy losses. Investors should always be prepared to face a bear market hence they must fine-tune their funds to create a portfolio mix that will match both financial needs and risk tolerance. 3. Take the help of financial advisors Financial advisors often have a better understanding of the market trends than investors. They go through the available data and related information to make better predictions of both good and bad times in the market.  Use the financial consultants at the EduFund App as an effective tool for knowing about the market and for an ideal fund allocation. The app will help to meet your risk appetite by minimizing the risk profile eloquently. 4. Do not liquidate all the stocks In a falling market, it is easy to panic and liquidate all the stocks. It is a wrong move as doing so will lock the losses and prevent earnings when the market recovers. Maintain a portion of the funds in the stocks even in a falling market to take advantage of the subsequent recovery whenever it occurs.  5. Rebalance and reinvest Stock market returns vary on a yearly basis but in the long term, it tends to offer positive returns. Investors whose risk tolerance is high or who have a long period before retirement have the option of investing heavily in stocks but people close to retirement must consider gradual transferring of funds to short-term or cash bonds with less risk.  Consider risk-based rebalancing through the EduFund App to minimize losses and by reinvesting in mutual funds, REITs ETFs, etc.  6. Consider defensive picks Consider market volatility as an opportunity to buy REITs with stable dividends and strong cash flows. One viable option is the EduFund REIT+ portfolio that includes quality REITs 7. Sell call options Financial advisors recommend selling call options to protect portfolio funds and soften the blow of a falling market.  8. Stay the course Investors must realize that the bull market will always follow the bear market. The falling market is a concern no doubt but the slump will pass. This is not the time for panic selling instead stay the course and stick to your investment plan.  Consider speaking to the wealth advisors on our platform to create a recession-proof strategy that will make your investment portfolio resilient to the upcoming falling market. FAQsHow do I protect my portfolio from a market downturn?   To safeguard your portfolio during a market downturn:  Diversify your investments across different asset classes.  Consider holding defensive stocks, like utilities and consumer staples.  Keep a long-term view and abstain from rash choices.  Utilise stop-loss orders or put options for downside protection.  Investing and your emergency fund should not be combined.  How do you prepare a portfolio for a market crash?   Prepare for a market crash by:  Reducing exposure to high-risk assets before a crash.  Increasing allocation to safer investments, such as bonds or cash.  Ensuring your portfolio is well-diversified.  Continuously monitoring and rebalancing your portfolio.  Having a well-thought-out exit strategy and sticking to it.  What is the safest fund during a market crash?  The safest fund during a market crash is typically a money market fund or a short-term bond fund. These investments are known for stability and liquidity, making them less susceptible to significant value declines during turbulent market periods.  What to do with a falling portfolio?   When your portfolio is falling:  Avoid panic selling; stick to your long-term investment plan.  Reassess your portfolio's asset allocation and risk tolerance.  Consider buying more assets at lower prices (dollar-cost averaging).  Take a look at your investment plan and make any required adjustments.  Seek advice from a financial advisor if you're uncertain about your next steps.  Conclusion Ups and downs are an integral part of markets that investors must be prepared for at all costs. Seasoned investors try to keep strengthening their portfolio fund to make it more robust for an upcoming recession.  In this article, you have come to know about the various ways to protect portfolio funds in a falling market. These are tried and tested strategies that provide ample protection against market volatility so that investors can preserve and protect their investments. Consult an expert advisor to get the right plan TALK TO AN EXPERT

In June 2023, the USA was teetering on the edge of a debt default. Yep, you heard it right – the land of burgers and baseball almost stumbled into a financial abyss. With a debt mountain that could make your head spin ($32.7 trillion, a whopping 121.2% of GDP), the US barely scraped by, lifting the debt ceiling just in the nick of time.  But hold onto your hats, the story didn’t end here.  Fitch, the global ratings agency, downgraded the US credit rating from AAA to AA+ on August 2nd, 2023. Now, I know what you're thinking - did this downgrade have the stock market shaking like a leaf? Yes, this news sent shockwaves through global markets, reminding us that when the US catches a cold, the world sneezes. But guess who's shrugging off this chilly breeze? India, my friends!   Here's the cool part: India isn't bothered by all this chaos. In fact, it's thriving! Morgan Stanley says India is doing great and upgraded its rating to 'Overweight'. These folks reckon India's rocking economic growth, fueled by big investments and fatter profits. The same Morgan Stanley nudged India up from 'underweight' to 'equal weight' four months back. The twist is that not too long ago, these same experts called India part of the "Fragile Five" because they thought it was a risky place to invest. So, what changed?  India is undergoing a massive transformation. It's moving from being known for things like spices and beautiful sarees to becoming a middle-class powerhouse. This kind of transformation is super rare.  In the past, countries like Europe and the USA had their moments of amazing growth after big events like World War II. That's when famous brands like Chanel, Volkswagen, and Gucci became a big deal. Now, it's India's turn to shine.  So what changed for India? Let's talk about four exciting things happening in India: More Manufacturing  India's making more stuff, and that's going to boost its economy. It might even double its share of the global market for exports.  India's Share of Manufacturing is expected to increase to 21% of GDP by 2031 Source: Morgan Stanley Growing Middle Class  More people in India are joining the middle class, which means they have more money to spend. This is going to make India's economy grow even faster.  By 2047, if political and economic reforms have their desired effect, the Indian income pyramid will have a smallish layer at the bottom comprising the Destitute and Aspirer groups, a huge bulge of the middle class, and a big creamy ‘rich’ layer on top.  Note: Population in Million; Source: PRICE’s ICE 3600 Pan India Surveys India's Income Pyramid Note: Figures in percent, 2020-21Source: PRICE’s ICE 3600 Pan India Surveys Middle-class is the country’s biggest contributor in terms of income, spending, and savings Indian consumers are also likely to have more disposable income. India’s income distribution could flip over the next decade, and consequently, overall consumption in the country could more than double from $2 trillion in 2022 to $4.9 trillion by the end of the decade with the greatest gains going to non-grocery retail, including apparel and accessories, leisure and recreation, and household goods and services, among other categories.  Going Digital  India is getting super high-tech. They've been working on a digital identity system, and this is making things like payments and healthcare more accessible and affordable for everyone.  Over ten years ago, India started a cool project called Aadhaar. It's like a super secure ID card that uses your unique body features to prove who you are and where you live. Now, we have something called IndiaStack which is like a toolbox for all things digital. This toolbox helps people in India do things like spending money, getting loans, and even accessing healthcare more efficiently. IndiaStack is like a magic wand that's making digital life in India more convenient and affordable for everyone.   Energy  India is improving its energy system, and a lot of it will come from clean sources like wind and solar power. This is not only good for the environment but also helps create new jobs and opportunities.  So, why should you care? Well, if you're thinking about the ongoing volatility in the Indian market, think again. We believe the markets are as usual, and there will be risks like anywhere else, but India's growth story is looking exciting. So, keep an eye on India's journey!  Should you wish to start your journey now, feel free to connect with us at research@edufund.in