Investment

Subcategories

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• Cryptocurrency

  20 Topics

  44 Posts

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  To avoid any kinds of scams, always use reputable platform exchanges like CoinDCX, Binance, or CoinSwitch for USDT purchases via debit/credit cards.

  Next, send money to a certified Indian exchange using an exchange wallet or on-chain. Always activate 2FA and confirm the recipient's information.

• Real Estate

  10 Topics

  20 Posts

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  It's high due to rapid urban development, the Unit Area Value (UAV) system, and higher property values, especially in prime zones. All these factors contributed to increased property taxes. The BBMP municipal corporation frequently revises rates based on zones, usage, and property type, which ultimately increases the tax burden.

• Govt Schemes

  PPF

  NPS

  Gold Bonds

  Treasure bill

  Other Schemes
  22 Topics

  48 Posts

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  For NPS retirement, invest in equity funds early for growth, then switch to debt funds in your late 40s for safety. PPF's 80C benefit is gone in the new tax regime. Your best option depends on your goals and risk appetite.

• Demat/Trading Account

  12 Topics

  26 Posts

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  Zerodha is one of the most transparent brokers I have seen till now. They do mention the payment gateway charges. Dhan, Zerodha, and Groww offer zero brokerage on equity delivery. For intraday/F&O, it's typically ₹20 per executed order.

  Zerodha has ₹300/year as a Demat AMC (Annual Maintenance Charge). Dhan and Groww don't have any Demat AMC. Account opening/maintenance fees differ for different platforms. Yes, there are some taxes like STT, GST, and stamp duty, which depend on the transaction.

• Mutual Funds

  16 Topics

  35 Posts

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  Diversifying your money is a good option, as it reduces the risk. So apart from mutual funds:

  You can invest in Nippon India ETF Nifty BeES or ICICI Prudential Nifty Next 50 ETF. Sovereign Gold Bonds are again a good option. PPF or NPS are also long-term, tax-efficient saving options. Consider investing in real estate through REITs or InvITs.

• Fixed Deposit

  11 Topics

  25 Posts

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  Investing a huge amount of money in FDs is not a good move from an investment point of view, as it offers safety and guaranteed returns but fails to beat inflation (currently around 4–5%) and may increase your tax liability.

  To beat the inflation, it's better to diversify your investment into mutual funds (tax efficient, best for long-term wealth), sovereign gold bonds (SGBs), real estate, or government bonds.

• Stock Market

  8 Topics

  16 Posts

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  Vested Finance, INDmoney, Groww, and Fi Money are all the best platforms that offer you the opportunity to invest in US stocks and ETFs.  All these platforms have brokerage charges, like Vested Finance charges 0.25% of the trade amount and max $35, and Fi Money charges zero brokerage and withdrawal fees to your linked Federal Bank account. INDmoney doesn't charge any fees, but forex fees apply.

  But before investing, TCS (Tax Collected at Source) is applicable on overseas investment if your investment exceeds ₹7 lakh in a financial year.