P2P Lending
While we know a lot about lending, P2P lending is fairly a new concept for us which got a little attention quite recently when RBI notified, that peer-to-peer lenders (P2P) companies will be treated as non-banking financial companies (NBFCs). What is P2P Lending To put simply Peer-to-peer lending is a new method of debt financing: […]
Non-Convertible Debentures
Non-Convertible Debentures (NCDs) are fixed income products with a specific tenure and stipulated rate of interest income. It is issued by companies to raise long term funds through public issue without reducing the equity stake as these debentures cannot be converted. On maturity the principal amount along with accumulated interest is paid to the holder […]
Lessons to Learn from Equity Markets
The stock market may be considered one of the greatest teachers of life. It goes beyond a marketplace for making material gains; rather it dwells deep in enrooting the meaning of success and failure in one’s life. When one starts investing in the equity market, one comprehends that persistence and dedication beat greed and impatience […]
Financial independence and its underlying connotations
We know that we have to take some drastic steps to achieve financial independence. Though the technical definition is being independent of a regular monthly salary to fulfil our financial needs, the term “financial independence” may have some underlying connotations that you need to know in order to understand what it means to you as […]
Financial Assets vs Physical Assets
Assets are widely known as anything that has value and return generating potential. It represents value of ownership. Investment asset can usually be of two types: Financial assets and Physical assets. Even though they seem similar, they are very different from each other based on their features and characteristics. Financial Assets It refers to assets […]
Asset Allocation
In our previous articles, we elaborated the benefits of diversification as well as the perils of over diversification in a portfolio. Essentially, asset allocation is an organized and effective method of diversification. It is a strategy of dividing the investment portfolio across various asset classes and within an asset class. The basic purpose of asset […]
Importance of Focus in Investment
Life is like camera focus on what’s important & you’ll capture it perfectly!!!! Focus in life will keep you motivated & help you with a clear sense of purpose .Focus helps you grab onto your goals with ferocity. Focus is persistent & stubborn it won’t let go until the goal is achieved. Say if you […]