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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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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.

Benefits of Long-Term Investments in Equity

With numerous investment instruments available, choosing the best-suited one according to your needs may sometimes become a cumbersome task. If you are seeking to reap the benefits of long-term capital growth, equities are the most suitable investment vehicle. Besides offering long-term benefits, equities provide a host of other advantages. You may mitigate risk by diversifying your portfolio. Besides, you may beat inflation effectively. Due to such benefits, equities are a popular option among investors, both beginners or experienced alike. You may enjoy numerous long-term benefits on your equity investment. Following are five of them. Combats market volatility Market volatility is common...
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Pros and Cons of Self Driving Cars

Road accidents are one of the major causes of death in the world, killing approximately 3,000 people every day. In most cases the driver is at fault; however, other factors such as potholes, unfavorable weather, faulty car mechanics etc. also contribute to such mishaps. To reduce the rate of accidents, automobile companies and engineers have come up with the ingenious idea of self-driving cars! However, does AI controlled driving with no human intervention guarantee road safety? Let's find out. Pros Computer - an ideal motorist We already know how efficient computers can be with complex calculations and so they can actually...
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Why Invest in SIP Mutual Funds?

The investment acumen of Indians has significantly evolved over the last two decades. While, their primary preference has always centered around traditional instruments; today people, have also become more open to Mutual Fund investment. Several individuals invest in Mutual Funds through SIPs, but a lot many are confused as to how to go about it. So, here’s a quick guide to SIPs and how you can use them to create wealth over a long period to achieve your long-term financial goals.  What is an SIP? An SIP or a Systematic Investment Plan is a smart and hassle free mode for investing...
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What are the advantages of Equity Investment?

During the last 30 years of its existence, India’s first net asset value (NAV)-driven equity funds have generated returns at a fabulous compound annual growth rate (CAGR) of 15.31%. And it is not just the mutual fund investors – people who have seriously considered investing in equities have too received the advantages of equity investment.   People are often skeptical about investing in equity instruments owing to the market volatility; and this causes them to lose out on the benefits as well. But before we get into the ‘why’ of equity investing, let us understand what they are all about. What...
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How Does Top-Up Insurance Work in Medical Insurance Policies?

A health insurance policy is the need of the hour. With rising medical inflation, the cost of being treated at a hospital may burn a huge hole in your pocket. In order to shield yourself against financial burden during medical contingencies, you may invest in a mediclaim policy. By doing so, you may enjoy financial security and have peace of mind knowing that you and your family are secured at all times. Most health insurers provide the option of riders. Such riders, also known as add-ons or top-ups, enhance the coverage of your policy. You may, therefore, enjoy additional benefits by...
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Financing international vacations for your family

  When the destination is Goa, taking a vacation is easy. You call up your gang of friends, hop into your car and lo, your weekend vacation has already begun. You need little or no planning for such short trips. But when it comes to international vacations, you need to plan a little more. In this article, let’s explore the different ways you can finance the foreign trip that has been on your bucket list forever. Estimate how much the trip is going to cost you Alright, you have decided to take a vacation abroad. But where do you want to...
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Role of a Demat Account in Buying and Selling of Shares

Traditionally, investors used to hold physical certificates of shares. However, physical share certificates carried numerous risks such as loss, theft, and bad delivery, among others. With the advancement of technology, transactions are now done through a dematerialization account. About dematerialization account According to the guidelines of Securities and Exchange Board of India (SEBI), the regulator for the securities market in India, investors can no longer transact shares in the physical form at the BSE and NSE exchanges. This, therefore, indicates that a dematerialization account is mandatory for the purchase and sale of shares. A Dematerialization account, also known as a demat...
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Guide to Chronic Management Program

In this modernized age, the number of lifestyle diseases is on the rise. The World Health Organization (WHO), in one of its reports, has stated that chronic diseases are the leading cause of disability as well as death in India. Such diseases include asthma, mental disorders, and cardiovascular disorders, among others. The report goes on to say that, the rise of chronic illnesses will continue in India over the next 25 years. Understanding chronic illnesses Any illness or disease that persists for a long time, say three months or more, is termed to be a chronic disease. The risk of contracting...
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All about Equity SIPs

The main purpose of the investment is to earn good returns and create wealth over a period. With numerous investment vehicles available in the market, it often becomes difficult to make the right choice. One of the most common and popular avenue for investment in Indian markets is a Systematic Investment Plan (SIP). You may buy shares in a similar manner by using a service known as equity systematic plan. Through such a vehicle, you may buy gold exchange-traded funds, index exchange-traded funds, and shares through a regular interval of time. Based on your choice, you may opt to invest at...
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Saving for an Emergency

Building an emergency fund is one of the most important financial goals. Emergencies are unpredictable and may result in a huge strain on your finances. An unexpected illness, emergency home repairs, unfortunate accident, or a sudden job loss may derail your financial stability. You may need finances for other emergencies such as tax liability, vehicle breakdown, family crisis, or funeral expenses of a loved one, among others. Though emergencies may not be avoided at all times, the best you may do is be financially prepared. You may, therefore, build an emergency fund in order to deal with unexpected events that life...
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