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.

Both, investment and trading can be profitable, but they serve different goals, purposes, and risk levels. Investing focuses on long-term wealth creation through assets like stocks, mutual funds, and real estate, benefiting from compounding and lower taxes. Trading, on the other hand, involves short-term buying and selling of stocks, options, or forex to capitalize on market fluctuations, offering quick profits but with higher risk and stress. Trading can generate short-term profits, but it is riskier and not ideal for long-term goals unless you are highly skilled.

So, if you want investment in long-term wealth creation with high returns, investing in fundamentally strong stocks, index funds, and mutual funds is more profitable.

If this thing happens to you, then immediately file a written complaint with the bank and ask them to freeze your bank so that more transactions will not happen. File an online complaint with the Banking Ombudsman under the RBI’s Integrated Ombudsman Scheme. Report the fraud immediately to the nearest police station and file an FIR.

Yes, your father can still have health insurance. Most policies require a waiting period of 2-4 years for pre-existing conditions. In this waiting period, the claims may not be recovered.
Look into specialized plans like the Care Freedom Plan, Star Health’s Diabetes Safe, and Activ Health Platinum, which could offer immediate or partial coverage for your father even with a pre-existing health condition. 
You can explore Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) as well. Thoroughly compare these options to select the most suitable plan.

The Indian crypto market features many trading platforms, but their fee structures differ significantly, including charges for deposits, withdrawals, and trading.

If you're looking for budget-friendly options, consider WazirX, CoinDCX, and ZebPay, which are recognized for their minimal transaction fees.

Yes, donations to registered NGOs or orphanages in India can provide tax benefits under Section 80G of the Income Tax Act. But the income tax act gives different deductions. Some donations can be deducted in full, while others allow a 50% deduction.

There are some criteria set by banks, that you need to fulfill before applying for a home loan:

Good credit score more than 750. Regular income proof (salary slips, ITR). Age criteria, which is 21-65 years. Your Debt-to-Income Ratio should not exceed 40-50% (including the new loan EMI). Clear legal property documents are essential.

These are the documents that you need to provide to the bank while applying for a loan. Different banks may ask for more proof, but these are the main documents that are essential.

There are so many brokerage firms available in India. Zerodha, Groww, Upstox, and ICICI Direct are some examples. For mutual fund investments, prioritize firms with user-friendly platforms, low or no commission, extensive fund options, and strong customer support. Compare features, fees, and reviews to find the best fit.

That 70% premium jump is a major concern. Don't rush. Explore alternative term life insurance quotes. Match coverage and costs. If you can make lifestyle improvements, reapply in the future. Canceling it now to re-evaluate is a smart move for a budget-friendly policy.