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Investment

178 Topics 392 Posts

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  • 31 Topics
    80 Posts
    S

    Pi Coin's launch on its mainnet is significant, but its absence from major exchanges is concerning. It questions the practical use of it or if developers are just trying to create interest. Right now, it feels somewhat like a leap of faith; there is potential, but it is still largely untested.

  • 12 Topics
    26 Posts
    A

    In a city like Mumbai, I feel we’re oversimplifying things by calling flats "depreciating assets." While the building may lose value, isn’t the increasing land value and potential for redevelopment the key? Are we missing the bigger picture by not separating the physical building from the location's appreciation?

  • PPF
    NPS
    Gold Bonds
    Treasure bill
    Other Schemes
    44 Topics
    87 Posts
    N

    Given that Section 80C seems somewhat outdated, I’m re-evaluating my approach. Should I continue with PPF and traditional debt, or do Gold ETFs offer better post-tax returns, inflation protection, and flexibility in the current tax climate?

  • 20 Topics
    48 Posts
    T

    I want to diversify beyond stocks, but sectors like Indian fintech and renewable energy seem risky due to high valuations and changing regulations. How do I weigh those risks? Additionally, can mutual funds or ETFs actually protect me if a sudden policy change impacts these sectors?

  • 28 Topics
    57 Posts
    S

    @Ro_Code said in How is Quant Mutual Fund transforming small- and mid-cap investments?:

    Quant MF is investing more in PSU banks and NBFCs and is starting new small and mid-cap funds. Is it risky to follow this trend now because of the market's ups and downs? How can I balance their aggressive approach with India's current regulations without taking on too much debt?

    It’s smart not to just follow the crowd here. PSU banks and NBFCs move in cycles, and those new small-cap funds can be a wild ride. Instead of jumping in blindly, try balancing things out with large-cap or hybrid funds that offer more stability.

    Before you start investing, it's advisable to maintain 3–6 months' worth of expenses in a readily accessible emergency fund. This acts as your safety net so you never have to borrow money to cover a crisis.

    By focusing on your long-term goals and what you’re actually comfortable with, you won't get distracted by short-term market noise.

  • 13 Topics
    37 Posts
    K

    @Siddarth said in Should I reinvest in the short-term?:

    Short-Term Focus: Investing in shorter-term FDs offers the flexibility to quickly capitalize on rising interest rates.

    Is 'laddering' my fixed deposits or mixing them with liquid funds a simpler way to achieve higher returns?

  • 25 Topics
    45 Posts
    S

    SEBI is capping large debt issues at ₹5,000 crore, and I’m wondering how this actually helps the 'little guy.' Will smaller companies find it easier to raise money now? And for someone like me in a smaller town, what real protections are there to make me feel safe investing my savings in these bonds?

  • V

    How can I invest smartly?

    5
    0 Votes
    5 Posts
    55 Views
    V

    I’m aiming for 60% equity for long-term growth, but I'm worried: is a ₹5,000 emergency fund actually enough in India? What steps can I take to improve my investment approach and set up a rebalancing plan to prevent panic-selling when the market falls?

  • M

    Please tell me about some investment plans.

    2
    0 Votes
    2 Posts
    6 Views
    S

    If you’ve got ₹2 lakh to park, here are a few safe ways to grow it without taking big risks:

    Bank FDs: Reliable and steady. Look for top banks or NBFCs offering higher interest rates.

    Liquid Funds: Offer better returns than a basic savings account, plus you can withdraw anytime.

    PPF: Great for long-term safety and saving on taxes, though your money is locked in.

    Sweep-in Accounts: Provide FD-like interest while keeping your cash easily accessible.

  • T

    Is it time to rethink your investment strategy in today's market?

    2
    0 Votes
    2 Posts
    25 Views
    R

    You're on the right path. The market is volatile due to global issues, but it often overreacts. Focus on what's really changing instead of the noise. By following the basics instead of the headlines, you may discover great opportunities that others overlook.

  • S

    Invest Wisely in 2025: Achieve your financial goals with safe, balanced investment plans.

    1
    0 Votes
    1 Posts
    14 Views
    No one has replied
  • T

    Where to invest my money?

    2
    0 Votes
    2 Posts
    72 Views
    R

    In medical emergencies, prioritize liquidity and safety. Invest in liquid funds (debt mutual funds with very short maturity) or ultra-short-term debt funds. These funds are with minimal risk and important for urgent healthcare needs.

    Maintain a separate medical emergency fund at a bank that offers convenient withdrawals.