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  Passive income refers to earnings that we receive without having to actively work for them. As contrast to active income, which is generated via our work and effort, passive income allows us to make money even when we are not working. This form of income has grown in popularity in recent years, and for good reason. We've heard a lot about the Tech Layoffs that are taking place all around the world, as well as by Tech Giants.   We'll talk about the value of passive income in our life and how it can help us reach financial freedom in this blog post. If you are more Interested, Check out What is Passive Income Ensures financial stability One of the most important advantages of passive income is that it can offer us with financial security. This is due to the fact that it helps us to diversify our revenue streams and not rely entirely on one source of income. For example, if you own a rental property that generates passive income, you will have a consistent stream of cash fl...

  Often selecting quality stocks from the ones listed in the indices becomes a tricky operation as there are lot of them to choose from, Especially for one who is starting out to invest in stocks. Many a times people used to go by the trend or momentum existing in the market for a particular stock in general. The issue while following this approach of going by the momentum is that many a times this is short lived and some times these may not be a reflection of the corresponding business fundamentals. There are different kinds of stocks available in the stock market which can be traded using different strategies, For example some of the stocks depict huge fluctuations in prices during trading sessions, Such stocks are suitable for day trading or a.k.a Intra-day trading. On the other hand there are some stocks which does not display such volatility and  exhibit growth over long term. Here we are going to discuss about some of the parameters that can be considered before sel...

  Introduction Investment nowadays is not a choice but a necessity, Having said that one must be aware of the investment avenues available around us and know which one suits His/ Her needs. Gold and Fixed Deposit Instruments were popular investment instruments some time ago. Bank Fixed Deposit Instruments has lost its sheen mainly due to the decreasing interest rate on the deposits. On the other hand Gold still occupies some place in an investors portfolio. Lets now look at various investment options available to invest in Gold Instruments: Physical Gold       This mode of investment is self explanatory where the physical gold is purchased from the retail typically in the form of jewelry and kept with the investor. Lets understand its pro's and Con's          Pro's Since the gold is with the investor he has the full freedom to sell it at any point in time or in other words liquidity is not an issue.         Cons Since the...

               FD's or Fixed Deposits have always been a favorite investment options of people. Understandably so, As there is no depreciation in the value at least visibly from the invested amount.             Lets take a case where a person has invested in FD's which fetches return's of say 7.00% per annum, This means that the returns offered here is guaranteed by the Financial institution like Bank. But in the current scenario where the inflation is hovering around 5% approximately, The inflation adjusted returns on these deposits made is around 3%, Adding tax on the interest earned into the picture the returns further diminishes. So is it sufficient to meet our goals and to achieve Financial Freedom ? Alternative to Fixed Deposit  Most of you might be thinking then what are the alternatives available?. Hold on there is some good news for you there are other investment options or means available whic...

Nowadays Financial awareness is more among the new generation people thanks to the large scale digital advertisement on all social media platforms. Investment in mutual funds and the Equity market as a whole is showing an uptrend despite of the current economic situation. I already have a post on what is mutual funds, you can have a look here . Lot of talk is going around related to whether the investors should choose Index funds for their long term investment goals or they can use the mutual funds instead, before understanding that we would try to look into what is an Index Fund? Index Investing The Idea of investment in Index fund especially comes from the developed countries where the indexes are saturated and the benefit out of actively managed fund is very less. One of the attractive feature of the index funds is Negligible Expense Ratio which means that the cost of managing the fund is very less because it tracks the underlying Index be it Sensex or Nifty. Compared to an acti...

Many people tend to come to Market for investments mainly because they might have heard others speaking about the profit they got after investing in the market.These stories are true but as a coin has both sides investing in the market also has got both sides.What i mean is that there are pros and cons of investing in mutual funds. The investment pattern of many new investors are such that they tend to go behind the past returns a fund gives and invests in those funds which is giving the highest return.They are hoping that the fund will perform in a similar manner for the coming years.This can be dangerous without understanding the fundamentals. As a new investor who wants to invest in the market they should first study about the different kinds of funds available in the market and what they offer.For example there are different classes of funds under the equity portfolio like Large Cap,Multi cap,Madcap,Small cap etc.One should choose funds under these categories according to the goal ...

You might have heard of this word "Mutual Fund" many times on a daily basis.Still some people have some doubts or unaware of want it really means.I want to keep it very simple by giving some examples along the way. Before going into the discussion i would like you to have a look at  Financial Freedom  which is kind of a prerequisite to this topic. You might have heard of Stocks.Stock is a fundamental unit of mutual fund.Stocks are basically the companies which are listed in different Indices and these are being traded on a day to day basis.Based on this their valuation will change. You can get more information on Stocks here . What is a Mutual Fund? Mutual Funds as such you can imagine as a collection of Stocks.There can be different stocks belonging to different domain such as Finance,IT,Banks etc in a mutual fund.Fund Managers of the Mutual Fund house decides what stocks to buy and sell on a day to day basis.The variations in the NAV (Net Asset Value) of the mutual fund pur...

Hi Friends, Today planning to talk about Financial Freedom.What it is and How to move towards it.Especially in this generation among the working class this is a buzzword. What is Financial Freedom? As its word suggests it means literally to be financially free that means one will be able to survive and pursue the passion or the lifestyle he/she wants without having to do the routine tasks that he/she used to do to meet financial needs.This means that one can quit his full time job and live with the money he has accumulated over years and follow his/her passion. How to Achieve Financial Freedom? This can be achieved in mainly two ways like: Investing the money during active days into right asset classes. Generating Passive Income. These are the most common ways to achieve Financial Independence.Lets take one by one. Investing is generally misunderstood by some people as saving.Some people used to save the money they don't require in the savings bank.Actually that is not investing ta...