investopedia.org.in Prasad Govenkar
investmenteducation for the learned person
I’ve watched too many people work hard their entire lives yet never break free from financial stress. These aren’t lazy or irresponsible people—they’re smart, hardworking individuals trapped by 7 money mistakes that keep you broke forever. If you’re living paycheck to paycheck despite having a decent income, or if you feel like you’re spinning your … Read more
Below are some of the best-rated health insurance plans noted for robust features, wide network coverage, and favourable claim settlement ratios: Plan Name Key Features Sum Insured Ideal For Insurer Rating HDFC Ergo Optima Secure Unlimited restoration, no room rent capping, high claim settlement, wide hospital network ₹5 lakh–₹2 Crore Individuals/Families 4.5/5 Aditya Birla Activ … Read more
If you’ve ever wondered how your small, regular investments can grow into a sizeable corpus over time, this SIP Calculator is the perfect tool for you. Designed for simplicity and accuracy, it helps you estimate the future value of your daily or monthly mutual fund investments. By entering your SIP amount, expected annual return, investment … Read more
below are calculators to ccheck how much one will save in repayment of loan or investing in mutual fund and can check the corresponding benefits Home Loan Part Payment Savings Calculator Home Loan Part Payment Savings Calculator remaining principal Amount (₹): Annual Interest Rate (%): Loan Tenure (years): Part Payment Amount (₹): Calculate Savings Lump … Read more
Step 1: Pause and Secure the Money Don’t rush into investing. Park the entire amount temporarily in a liquid fund or a sweep fixed deposit. This gives you breathing space to plan. If the money came through inheritance, complete all legal formalities—transfer of accounts, updating nominations, and ensuring KYC details are in place.Also, clear any … Read more
Many people believe that wealth creation requires huge capital. But in reality, even a small, consistent investment can lead to a significant corpus over time. The secret lies in discipline, patience, and the power of compounding. Calculation Details Assuming an average annual return of 12%, the total invested amount over 10 years will be ₹1,20,000. … Read more
What is the Unified Pension Scheme (UPS)? The Unified Pension Scheme (UPS) is a pension scheme introduced by the Government of India in 2024 as an optional pension scheme along with the National Pension System (NPS) for government employees, effective from April 1, 2025 Key Features of UPS Assured Pension: How UPS Differs from NPS … Read more
Spend Less, Save More: Why Simple Habits Beat Complex Investment Strategies When people think about wealth creation, the first thought often goes to “Which investment is best—mutual funds, stocks, gold, or real estate?” While investing is an important part of financial growth, the real secret to building wealth lies in something much simpler: spending less … Read more
Retirement Planning & Pension Updates: NPS + SWP Playbook (India) A good retirement plan does two jobs: NPS: Efficient Core for Retirement (Note: Rules, limits, and annuity options are subject to change; always check latest before investing.) Mutual Fund SWP: Flexible Monthly Income An SWP lets you “pay yourself a salary” by redeeming units at … Read more
Planning for retirement isn’t about predicting the future—it’s about buying choices for your future self. Whether you’re 25 or 55, a solid plan blends the right investment vehicles, smart tax use, and a disciplined strategy that evolves with your life 1) Start with the foundation uild buffers. 2) Asset allocation: the engine of returns Your … Read more