Learn all about Personal Finance
What is Risk Profiling and Its Importance in Financial Planning?
4 March 2025 | 5 mins read
Investing without understanding your investment risk profile is like driving without knowing your destination. Every investor has a different capacity to handle risk, making risk profiling a critical step in financial planning. It helps in aligning investments with your risk appetite, ensuring better financial stability and goal achievement.
What is Retirement Corpus and How to Calculate It?
4 March 2025 | 6 mins read
Retirement isn’t just about leaving work; it’s about securing the freedom to live life on your own terms without financial worries. Planning for retirement is crucial to ensure financial security and a comfortable lifestyle in your golden years. But how much money do you need? This is where a retirement corpus comes into play. Understanding what it is, how to calculate it, and the factors that influence it can help you build a robust financial plan. Let’s understand this better by diving into the details.
What is Portfolio Diversification and How It Reduces Market Volatility
4 March 2025 | 4 mins read
Investing in the financial markets comes with inherent risks. However, a diversified portfolio can help mitigate those risks and create a more stable path to wealth creation. But what is portfolio diversification, and how does it reduce market volatility? Let’s explore the concept in detail.
Why Monitoring Your Credit Report is Essential for Financial Health
28 February 2025 | 5 mins read
You may have heard that having a good credit score comes with plenty of perks, like better loan rates, easier approval for credit cards, and more financial opportunities. But how do you make sure all your efforts to maintain a good credit profile are actually showing up on your credit report? Credit monitoring can help you keep an eye on your credit health. Let’s find out more about it and how you can monitor your credit activities the right way.
Personal vs Business Credit Scores: Key Differences and How to Check Online
28 February 2025 | 5 mins read
Your credit profile reflects your financial reliability. It shows how well you manage credit and whether you pay your dues on time. Lenders use it to gauge how consistent and responsible you are as a borrower. But did you know there is more than one type of credit score?
5 Key Factors That Impact Your Credit Score the Most and How to Improve It
28 February 2025 | 4 mins read
Your credit score is an important financial metric that reflects your creditworthiness. Assigned by credit bureaus, this rating significantly impacts your financial life. Whether you apply for a loan, buy insurance, rent a place, or even seek a job, your credit profile can make a difference. But have you ever wondered what contributes to the score that you see when you check your credit report? Here are five essential factors that shape your credit profile:
What is a Credit Score and Why It’s Important? How to Check and Calculate | m.Stock
28 February 2025 | 5 mins read
A credit score is a three-digit number that represents your creditworthiness. It essentially estimates your ability to repay loans on time and your consistency as a borrower. This evaluation is based on several factors, such as payment behaviour, outstanding debt and the length of credit history. Lenders report your credit profile and behaviour to credit bureaus, which compile it into a Credit Information Report, commonly known as a credit report, that reflects your credit score. Credit scores range from 300 to 900, with scores above 750 generally considered good.
Debentures Meaning, Types & Features Explained in Detail
28 February 2025 | 6 mins read
When discussing investments, people often focus on stocks and mutual funds. However, India’s investment landscape offers a much wider range of opportunities. One such option is debentures. This article explores the meaning, features, benefits and drawbacks of debentures, and explains how they can help you balance your investment portfolio.
Employee Pension Scheme (EPS) for Private Sector Employees – EPFO Pension & New Pension Scheme
28 February 2025 | 5 mins read
The Employees’ Pension Scheme (EPS), introduced in 1995, is designed to provide retirement benefits to employees in the organised sector, including those in the private sector. Administered by the Employees' Provident Fund Organisation (EPFO) under the Ministry of Labour and Employment, this pension scheme for private employees and others works alongside the Employees' Provident Fund (EPF) to ensure financial security after retirement. Let’s dive into the meaning, features and benefits of the EPS.
EPF vs EPS – Key Differences Explained for Better Retirement Planning
28 February 2025 | 5 mins read
The Employees’ Provident Fund (EPF) and Employees’ Pension Scheme (EPS) are two helpful retirement planning schemes that you can use if you are preparing for your golden years. Both these schemes are backed by the Government of India, making them a good addition to your retirement portfolio. EPF vs EPS: Which one is better? Let’s find out their differences so you can make an informed choice.
What is Senior Citizen Savings Scheme (SCSS)?
12 February 2025 | 4 mins read
The Senior Citizen Savings Scheme (SCSS) is a government supported savings scheme tailored for individuals aged 60 years and above. It is designed to provide retirees with a secure and regular income while ensuring their financial independence post-retirement. SCSS offers an attractive combination of safety, convenience, and returns, making it one of the most preferred investment options for senior citizens in India. Let’s understand this investment avenue, its eligibility criteria, interest rates, and tax implications to make informed decisions towards a financially secure retirement.
Employee Provident Fund (EPF) - Eligibility, Interest Rate, and Benefits
12 February 2025 | 4 mins read
Saving for the future is essential, and the Employees’ Provident Fund (EPF) serves as a reliable and beneficial savings scheme for salaried individuals. Governed by the Employee Provident Fund Organization (EPFO), this scheme not only helps in building a retirement corpus but also offers financial security in times of need. Let us delve into the details of EPF, including its eligibility, interest rate, and benefits.
What is an Investment Portfolio and How to Build it?
12 February 2025 | 8 mins read
An investment portfolio is an essential tool for anyone looking to grow their wealth systematically. Whether you are a seasoned investor or just starting your financial journey, understanding and building a well-rounded portfolio can set the stage for long-term success. This article will explore what an investment portfolio is, its importance, the types of assets it can include, the benefits it offers, and the key considerations before diving into investing.
What Are The Types of Life Insurance Policies to Invest In?
12 February 2025 | 5 mins read
Life is unpredictable and securing your and Life insurance acts as a financial safety net, ensuring that your loved ones are protected even in your absence. Whether it's covering daily expenses, paying off loans, or funding long-term goals like education, life insurance policies provide the financial stability your family needs. In addition, these plans offer peace of mind, security and can even serve as a tool for wealth creation, depending on the type of policy you choose.
Everything you need to know about Economic Bubbles
12 February 2025 | 6 mins read
Although an economic bubble may seem like a complex macroeconomic phenomenon, understanding its dynamics is essential for retail investors. It helps them make informed decisions, ensure capital protection and appreciation, and manage risks effectively. This article will explore the economic bubble definition, its causes, stages, and types.