Responsible content on personal finance & economics that makes you smarter about money.
What is the tax rate on my investment? - June 2022
Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in.
Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options.
Tax Rates on Your Investments
Is P2P lending safe in india?
What is P2P lending? Peer-to-peer (P2P) lending has emerged as a viable alternative to traditional banking services in India. This financial model enables borrowers and lenders to connect with each other directly, without the intervention of a financial institution. P2P lending platforms offer investors higher returns than traditional investments, such as fixed deposits, while also providing borrowers with flexible repayment terms and lower interest rates. However, like any other investment, P2P lending comes with risks that investors must be aware of to protect their investments. Top risks associated with P2P lending in India are as follows: Platform Risk: The platform risk is the risk of the P2P lending platform defaulting, either due to a shutdown or bankruptcy. This risk can result in investors losing their investments. To protect oneself from platform risk, it is crucial to choose a reputable P2P lending platform with a good track record. Credit Risk: Credit risk is the...
Making Wise Investment Decisions in India: CAPEX vs OPEX
Making Wise Investment Decisions in India: CAPEX vs OPEX When it comes to making investments in India, the decision you make between Capital Expenditure (CAPEX) and Operating Expenditure (OPEX) can have a huge impact on your returns. Knowing the difference between these two investment strategies and how they are used is essential for anyone looking to make smart decisions about investing their hard-earned money. Let’s take a closer look at CAPEX vs OPEX in India and explore which option may be best for your unique needs. What Is CAPEX? CAPEX is an investment that involves long-term purchases made by businesses or investors. These purchases are typically large assets such as real estate or equipment, which must be paid off over time. In addition to purchasing the asset upfront, there are often additional costs associated with CAPEX investments such as maintenance fees, insurance costs, and taxes. What Is OPEX? OPEX is an investment strategy that involves...
Maximizing Your Savings: The Ultimate Guide for Salaried Individuals in 2023
Maximizing Your Savings: The Ultimate Guide for Salaried Individuals in 2023 Are you tired of living paycheck to paycheck? Do you wish you had more savings in the bank but don't know where to start? Look no further! The Ultimate Guide for Salaried Individuals in 2023 is here to help. In this comprehensive and easy-to-follow guide, we will show you how to maximize your savings and take control of your finances. From budgeting tips to investment strategies, we'll cover everything you need to know about saving money in today's economy. Let's dive in and start building your financial future today! Introduction to Personal Finances There is no one-size-fits-all answer when it comes to maximizing your savings as a salaried individual. However, there are certain best practices that can help you make the most of your hard-earned money. One of the key things to remember is to start saving early. The sooner you begin setting aside money, the more time it has to grow through compound...
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