T-bills are government debt for under a year, sold cheaper than their value, with no regular interest. Long-term government bonds mature after a year and provide periodic interest payments. Typically, longer bonds offer higher returns due to increased risk over time.

Choosing between them depends on your needs. T-bills are safe for short-term savings. Long-term bonds suit those wanting regular income over a longer period while accepting more potential risk.

With a 3.61% inflation rate and 6.75% fixed deposit interest, it would be profitable for you.

Investing ₹166,000 at 6.75% for 5 years will yield ₹59,362.50 in interest, totaling ₹225,362.50. Whether the sum buys more depends on the average inflation over the next 5 years. If inflation averages higher than 3.14%, the purchasing power will be less.

Beyond crypto, blockchain technology has significant potential, like being used in supply chain businesses, the healthcare sector in drug supply chains, and the education sector.

Many start-ups in India are exploring this technology; maybe soon we will use it in different sectors. IIT Madras has already developed BlockTrack for healthcare data, which is an excellent initiative.

Pi Coin is mined through phones and used for easy digital transactions and smart contracts. Since its Open Mainnet launch in February, Pi Coin has not been officially available in India.
It is traded on many platforms like OKX, MEXC, and many more. Informal trading exists peer-to-peer, but always be careful.

Yes, you can get the insurance option for your Macbook from Apple as well as from a third-party insurance provider.
AppleCare+ extends your coverage to 3 years from your AppleCare+ purchase date with some terms and conditions.

Third-party insurers like Capital Gadget Secure, Bajaj Allianz, and others also provide laptop insurance covering various damages and theft.

Yes, you can convert your account. It offers high transaction limits, overdraft facilities, and many other benefits.

In the future, if you close your store, simply apply for the account closure process with the bank.

Of all the mentioned insurance companies, I would suggest Bajaj Allianz and ICICI Lombard, as they offer good hospital coverages in Australia. Compare their specific policy details and inclusions for the best fit.

For a student, here are some government-backed schemes suitable for you:

PPF is a secure and long-term investment scheme that gives you a 7.1% interest rate. You can start investing with ₹500 up to ₹1.5 lakh annually. It gives you tax benefits also.

RD is also another suitable option for savings; it gives you a 7-8% interest rate annually.

These schemes are extremely secure and provide returns in the end; there is no risk involved. But if you can handle some risk, then Mutual funds are also a suitable option. You will get good returns, but there is some risk factor involved.

Dkey offers you multi-factor authentication and encryption; it also protects your data from illegal access, which makes it a more secure and reliable vault for your digital assets.

Monthly SIP is a suitable approach for small investments. For initial testing, choose the weekly or monthly investment to keep transaction costs low.

If you buy ETFs daily, then the transaction expenses will consist of different charges like exchange, brokerage fees (which vary depending on the trading platform you use), the Securities Transaction Tax (STT), stamp duty, and GST.

For quick and efficient demat transactions, you can explore brokers like Zerodha, Upstox, and Angel One or banking platforms such as HDFC and ICICI Direct.

You can expect fees for account maintenance (₹300-₹750 annually) and per-trade charges (₹20 or a percentage); discount brokers usually have lower costs.

No, you cannot directly link your daughter's NPS account to yours, as each account receives a unique PRAN number.

But you can establish a separate NPS account for her as a minor under the "NPS Vatsalya" scheme and oversee it until she reaches adulthood.

Yes, you should mention your past prediabetes condition while applying for health insurance. If you don't disclose this, it may lead to claim rejection.

After knowing your situation, your insurance may increase the premiums or add exclusions. Transparency prevents future issues and guarantees accurate coverage.

If you're planning to invest in S&P 500 ETFs for the next 15 years, you have several amazing options. US-based platforms like Vanguard, Fidelity, and Schwab are known for their secure services and low-cost ETFs.

For those in India, platforms such as Zerodha, Groww, Kuvera, and Appreciate provide access to US ETFs, each with different fee structures and user experiences. Select the platform that best suits your needs.

I haven't used AU's FDs, but they offer 7.25% interest on 12-month deposits. You'd get about ₹725 on ₹10,000, or ₹7,250 on ₹100,000. They have easy online access, different deposit lengths, and better rates for seniors, which could be good for short-term savings.

JioCoin is basically like points you get for using Jio stuff. It's not a true cryptocurrency; rather, it's more akin to discount coupons, similar to Tata Neu Coins. You earn them by using Jio services and can use them to get deals. Because India doesn't allow crypto, JioCoin is just a reward system and maybe a way for Jio to get attention.

You can take a loan from both public sector banks as well as private sector banks, which provide the best interest rates on home loans.

Public sector banks like State Bank of India (SBI) and Bank of Baroda (BoB) are known for their competitive interest rates and stability. State Bank of India (8.50% to 9.65% per annum) and Bank of Baroda (8.50% to 9.20%) are the best options.

Private sector banks such as HDFC Bank and Axis Bank often provide attractive interest rates and expedited processing. HDFC Bank (8.55% to 9.50%) and Axis Bank (8.60% and 9.60%).

All these banks offer good, competitive interest rates and have some processing fees. To get the special interest rate offers, your CIBIL score should be 750 points or more.

As an NRI, you can not open a new PPF account. But if you had already opened your PPF account when you were an Indian resident, you can continue investing in it until its maturity. You can deposit up to ₹1.5 lakh per year, and withdrawals are allowed as per PPF rules.
And once your PPF account completes 15 years, you cannot extend it further. Extensions beyond 15 years are not allowed for NRIs.

SEBI is the government's way of keeping mutual funds in check. They make sure things are done honestly and prevent scams by creating rules for how funds work. To keep your money safe, they require it to be held separately, so if a brokerage fails, you're covered.

SEBI also closely monitors everything to ensure you get accurate information and that funds are managed well, protecting you from platform issues.

If you're new to investing and don't know much about money things, a SIP is a really easy way to get going. In India, you can begin with just ₹500 a month. It's like putting a little bit of money aside regularly, making it super simple to save.

For a safe start, try Large-cap mutual funds. These funds put your money into big, reliable companies, making them less bumpy than investing in smaller ones.

Some good choices are the SBI Bluechip Fund, Nippon India Large Cap Fund (Direct Plan), and Parag Parikh Flexi Cap Fund (Direct Plan). While the Quant Small Cap Fund (Direct Plan) can grow faster, it's also riskier. These funds aim for consistent, steady growth.