The Universe of Investments

Explore the investment cosmos! From beginner's guides to sharp-witted strategies, explore India's treasure trove of options. Understand the psychology behind decisions, set goals, craft diversified portfolios, and master fixed deposits. Unlock the power of compound interest for financial prosperity!

4 Seasons

Season

About Investments

Explore the dynamic landscape of investments in India with topics ranging from beginner's guides and psychological aspects to building a diversified...

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E01: Unlocking the Treasure Trove of Investment Options in India

05 mins

The Indian investment market has a wide variety of options such as Fixed Deposits, Mutual Funds, Sovereign Gold Bonds, National Pension Scheme, etc...

E02: Investing 101: A Beginner's Guide to Building Wealth

04 mins

Your journey towards wealth creation is unique to you. Adopting certain tips and tricks could help take a step closer to your financial dream...

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Bites

What is an Investment Portfolio? 200 views

What is an SIP? How Does it work? 157 views

Here is Why You Should Invest Early 63 views

What are some investment options in India? 61 views

What do you mean by diversification? 42 views

Investing vs Saving: What's more important? 61 views

What is a Financial Goal? 78 views

What is a Retirement Corpus? 34 views

Season

Fixed Deposits

Discover the stability of Fixed Deposits (FDs): explore types, avoid mistakes, use the ladder strategy, understand tax implications...

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E01: Fixed Deposits Explained: An Age-old Investment Option

03 mins

Fixed Deposits have been a part of the investment universe for quite some time now. It’s an investment option that is safe, reliable...

E02: Types of Fixed Deposit

03 mins

Various types of Fixed Deposits (FDs) cater to your diverse needs. Standard FDs offer a fixed interest rate over a specified tenure. Tax-saving FDs provide...

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Bites

FD Calculator Your Smart Financial Tool 81 views

Credit Card Against a Fixed Deposit 489 views

Overdraft Against a Fixed Deposit 326 views

Minimum & Maximum Amount You Can Invest in a Fixed Deposit 223 views

Cumulative FD and Non-cumulative FD 144 views

Maximise Savings with Tax Saver Fixed Deposit 145 views

Things to Consider Before Investing in an FD 106 views

The Power of Compounding 66 views

Get Better Returns on FD with FD Laddering 39 views

Season

The National Pension Scheme Chronicles

Dive into the National Pension Scheme - from what is NPS, its benefits and tax advantages, to the NPS calculator. Learn about NPS deductions, account types, NPS online payments, and more.

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E01: National Pension Scheme A Deep Dive into Investing in Tomorrow

03 mins

The National Pension Scheme (NPS) is a voluntary retirement savings initiative in India. Benefits of NPS include tax savings, with deductions available up to Rs. 1.5 lakhs under Section 80C, and an additional Rs. 50,000 under Section 80CCD (1B). Managed by PFRDA, it allows citizens aged 18-60 years, including NRIs, to invest in diverse asset classes like equities and bonds. NPS aims to secure post-retirement income through disciplined contributions, low fund management fees, and regulatory oversight for transparency and investor protection. It serves as a tax-efficient, flexible option for long-term savings, ensuring financial security and peace of mind during retirement years.

E02: NPS Simplified Understanding Tier 1 and Tier 2 Accounts

03 mins

The NPS Tier 1 account serves as your primary pension account, mandatory for NPS subscribers. Contributions, including employer's, are invested based on chosen schemes. Withdrawals follow specific rules, with partial withdrawals possible under certain conditions. Tax benefits apply under sections 80C and 80CCD(1B). The NPS Tier 2 account offers flexibility, allowing withdrawals without restrictions, contingent on an active Tier 1 account. It requires minimal initial contribution and lacks annual maintenance charges. However, tax benefits are limited, except for Central Government employees. Both accounts offer investment choices tailored to risk profiles - active or auto-managed portfolios.

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Bites

NPS Withdrawals Your NPS Nest Egg and How to Crack It Open 378 views

All You Need to Know About the NPS Calculator 109 views

Planning for Your Golden Years How to Open an NPS Account 203 views

Season

Mutual Funds 101

Mutual funds offer an accessible and diversified way for beginners to invest and grow their wealth. Understanding their basics is crucial for making informed investment decisions. Investors should try to align investments with their risk appetite and financial goals. Hence, it's vital to know about the different types of funds. Some of the most prominent types include equity, debt, and hybrid funds. The process of investing involves several steps. Decoding the various terms, fees, charges, and tax implications could make investing smoother. Investors must choose a fund and how they want to invest in it. They can make lump sum contributions or through systematic investment plans (SIPs). One must also be familiar with the key rules and regulations of mutual funds. In India, these are set by the Securities and Exchange Board of India (SEBI). These ensure that both investors and asset management companies follow fair investment practices. Plus, investors should avoid common mistakes and plan using the SIP calculator and lumpsum calculator. In this way, beginners can optimise their investments and build a diversified portfolio.

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E01: Understanding Mutual Funds

05 mins

Mutual funds could help you grow your money without needing to know much about the stock market. They gather money from various investors to create a diversified portfolio of assets like stocks, bonds, and government securities. Managed by Asset Management Companies (AMCs), these funds employ professional fund managers. These managers analyse market trends and adjust investments to optimise returns and manage risks. In India, the Securities and Exchange Board of India (SEBI) regulates these funds. To invest, you buy 'units' of a mutual fund, each with a value known as the Net Asset Value (NAV). NAV could be subject to changes based on the market fluctuations. You could invest in these funds through a lump sum amount or an SIP, where you invest small amounts regularly. You could review the fund you’re investing in using the Fund Fact Sheet. This document contains details on the fund’s objectives, portfolio, performance, and other key metrics that might be of use. You could check out ELSS for income tax deductions of up to Rs. 1.5 Lakhs under Section 80C of the IT Act. Whether you’re saving for retirement, education, or other goals, mutual funds could help you achieve your financial goals.

E02: Do You Know About the Different Types of Mutual Funds

04 mins

Mutual funds offer diverse investment options categorised into three main types. These are equity, debt, and hybrid funds. Equity funds invest in the stock market, carrying higher risk with a potential for greater returns. They include ELSS, large-cap, mid-cap, small-cap funds, sectoral and thematic funds, etc. Debt funds focus on fixed-income assets like corporate debentures and government securities. They provide relatively stable returns with lower risk. Hybrid funds combine equity and debt investments to balance risk and returns. Asset management companies (AMCs) offer various mutual fund options. They can be classified based on market capitalization, investment duration, and so on. Multi-cap funds invest across company sizes and sectors. Sectoral funds focus on particular industries. Investors can use an SIP calculator to plan regular investments in these funds. Conversely, they could use a lump sum calculator to determine returns for one-time investments. Understanding the different types of mutual funds could help you align your financial goals and risk tolerance. For example, ELSS funds offer tax benefits under Section 80C of the Income Tax Act. Debt funds include overnight funds, liquid funds, money market funds, etc. Hybrid funds offer sub-types like aggressive and conservative options. Investors could also explore other types to best match their investment horizon.

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Bites

How Does the Lumpsum Calculator Work 72 views

Fund Fact Sheet and Why Is It Important to You 27 views

How Can the SIP Calculator Help You 12 views

Equity Debt or Hybrid Mutual Funds Which One is Right for You 82 views

Are You Aware of These 6 Lesser known Mutual Fund Terms 52 views

Tax Implications on Your Mutual Fund Gains 89 views

Did you know about these Mutual Fund Fees and Charges 141 views

Factors That Matter When Selecting Mutual Funds 33 views

6 Common Mistakes to Avoid in Mutual Fund Investments 37 views

Seasons

All

Long-term investments aim for wealth growth over years, while short-term investments focus on quick returns within a shorter period, usually less than a year.

Fixed deposits involve depositing a lump sum for a fixed tenure, earning fixed interest. They are considered safe and offer stable returns.

Short-term investments carry higher market volatility risks. Price fluctuations and market uncertainties could impact returns, making them riskier compared to long-term investments.

Consider factors like risk tolerance, financial goals, and market trends. Diversify investments and choose options that align with your long-term objectives for optimal results.

Inflation could erode the real value of fixed deposits. To counter this, diversify your investments, explore inflation-linked options, and periodically review and adjust your portfolio.

Bajaj Finserv Direct Limited ("Bajaj Markets") offers to its customers, various financial products and services through its digital platform as a registered Corporate Agent with IRDAI, registered Investment Adviser with SEBI, registered Third-Party App Provider (UPI payments), and as DSA or Digital lending platform of its Partners. Further, Bajaj Markets also offers a marketplace e-commerce platform to facilitate transactions between customers and sellers on-boarded on the platform. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522 Corporate Agency (Composite) Registration no.CA0551 (valid till 10-Apr-2027) Investment Adviser, SEBI registration: INA000016083 (Validity - Aug 11, 2021 - Perpetual)