Investing follows two major approaches – active investing and passive investing. With active investing, investors take on an aggressive front. They buy and sell stocks to earn a profit in the short term. The risk quotient is high here, but so are the returns. Passive investors, on the other hand, have a different way of ...

When it comes to financial planning, your mind automatically wanders to market graphs, economic journals, and financial advisors in business suits determining the next effective strategy. While it is true that financial planning is a complex and dynamic activity, there are some aspects of it that can be implied in the simplest of manners. One ...

According to some reports, the global average life expectancy has nearly doubled to more than 70, since the early part of this century. As life expectancies continue to rise, retirees may need to reconsider their financial strategies and account for supplemental regular income streams to support them during the non-working years of their lives. Deferred ...

Frugality does not mean living like a miser or cutting down on your basic needs. It is about spending money prudently. After all, a dollar saved is more than a dollar earned. Every dollar invested grows over time and contributes to creating a substantial net worth. Here are seven ways to stay frugal to achieve ...

Education is the foundation stone for a child’s future security. However, while every parent wants to provide their children with the best of opportunities, other expenses sometimes take precedence. Sending your child to college in today’s times requires planning, strategizing, and investing in the right kind of funds and instruments. It also needs a well ...

A pivotal piece of learning from the 2020 COVID-19 pandemic was that one must be prepared for any eventuality. Financially challenging times are particularly hard for people who believe in the concept of living from one paycheck to another, without any major savings. While most people long for financial freedom, not many realize the importance of savings ...

Bonds are one of the most secure investments you can make. However, this $43.1 trillion market (as estimated in 2019), inclusive of multiple securities, complex rules, and varying yields, can often be overwhelming for many investors. But the importance of including bonds in your overall portfolio is indisputable. According to experts, the ratio of bonds ...

ESG stands for environmental, social, and governance. As the name suggests, ESG investing offers investors the opportunity to invest in companies that follow the principles of ethical work practices, environmental-friendly operations, and socially responsible products. Most funds are evaluated based on their financial value. However, in the case of ESG funds, factors such as safe ...

Decades ago, investors primarily relied on limited financial instruments like bonds and stocks to constitute their portfolio. However, with the advancement of time, investing options have amplified manifold. Today, there is no shortage of financial instruments. But with multiple options, the complexity and confusion have also heightened. In such situations, finding the right investment instruments ...

Creating a financial plan is often associated with long drawn portfolios, investments, trading, and more. However, while investing in long-term and short-term options, growth of wealth is the fundamental principle of financial planning and developing an effective budget forms its base. Before you go on to venture into more serious aspects such as retirement planning, ...