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Finance Forum India

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Rachita Kotian is an independent blogger and writing has been her passion for a long time. A literature major, she loves exploring the world of health, lifestyle, travel and finance. When she’s not writing, she’s most likely listening to music, cooking, surfing the web, or catching up on the latest flick.

Beginner's Guide to Mutual Fund Investments

Mutual funds are investments which pool savings from a number of investors under a particular scheme managed by an asset management company (AMC). The pooled money from Mutual Funds is then invested in securities like equity shares, bonds according to the scheme. The fund manager manages the investment portfolio as per the market situations in order to create wealth for investors. The company charges an annual fee called expense ratio from the investors to manage their portfolio. The Mutual Fund investors usually make money by way of regular dividends/interest and capital appreciation. The investor can even decide whether to reinvest the...
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
Continue reading
105 Hits
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
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HOW TO GET MAXIMUM BENEFITS FROM YOUR CAR INSURANCE ?

Most people own cars or vehicles these days. And as more cars enter the highways, the risk of accidents and damages also increases significantly. Furthermore, the cost of repairing said damages can often be astronomically high. That’s why it’s so necessary to get a good motor insurance. When people look for a good car insurance, their number one priority is to get maximum benefits for the least cost. However, there are so many insurance companies in the market, offering complicated terms and benefits and it can be overwhelming to decide which is the best for your specific requirements. However, if you’re...
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Dematerialization of Shares in India with Demat Account

Dematerialization is the procedure wherein the physical share certificates are converted to a digital form. To hold investments in an electronic mode, you need to open a dematerialization account with a Depository Participant (DP). The primary objective of digitalization is to enable you to hold your investments in a digital form. It is more convenient and secure because there is no risk of damage or loss that is associated with the physical holdings. Features of a dematerialization account You may open a demat account with a DP either in a single name or as a joint account. However, this account can...
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How to save tax and simultaneously fund your retirement?

Most of us don’t feel a pressing need to save for our retirement as it appears distant. However, it is essential to begin saving early if we wish to accumulate a decent corpus fund before we retire. Equity-linked saving scheme (ELSS) is an excellent tax-saving investment option, which can help save tax and create wealth at the same time. When you invest in ELSS, you can claim a deduction under Section 80C of the Income Tax Act, 1961. Additionally, this tax-saving mutual fund has the shortest lock-in period and offers excellent potential for growth via equity. Here is how you can...
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What’s buzzing on the Vastu Shastra Front?

Vastu Shastra or “ the science of architecture” reflects the principles of design, layout, measurement, ground preparation, space arrangement and spatial geometry. Vastu Shastra, it is said, is about integrating architecture with nature. The emergence of this science is assumed to date back significantly before the 1st century.   Is Vastu Shastra a superstition?   Implementing Vastu Shastra and hiring a Vastu consultant in modern times is regarded as a pseudoscience by certain rationalists. Some architects particularly during the Indian colonial era considered it as a superstition However in today’s age and time there are many who abide by Vastu Shastra norms...
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Mistakes to Avoid while Trading in Equity

Trading in equity is one of the most common investment practices. Yet, when it comes to the stock market, many investors are still iffy as it can sometimes be volatile and too critical for the investors who are just starting out. However, there are a few general rules that you can follow to make investing in equity market safer. Here are a few mistakes you should avoid when dealing with stocks.   Don’t worry about timing the market   The equity market falls down or up depending on many external matters. If you are new at it then it might not...
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Benefits of Getting a Personal Loan for Your Honeymoon Expenses

Marriages are made in heaven and are celebrated on earth. It is one of the most joyous occasions in anybody’s life. But then, once the main celebrations are over, the next big question that needs to be answered is about the honeymoon destination. In the past, it used to be the family native place or a place that could act as an ancestral getaway. However, in recent years, more people prefer an international touch for their honeymoons. This poses a financial hurdle for most but there is a solution for that. Now-a-days, it is easy to apply and procure personal loans...
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