How to save money low salary in brief: Saving money on a limited income feels impossible, but even earning ₹15,000-₹30,000 per month, you can build a financial cushion and start investing for your future. Most saving advice assumes you have discretionary spending to cut, but on a genuinely tight salary, the real savings usually come
Financial planning newlyweds couples in brief: Money is one of the most common sources of conflict in Indian marriages, yet most couples never have a structured conversation about finances until a disagreement forces the issue. Money is one of the most common sources of conflict in Indian marriages, yet most couples never have a structured
Esop taxation in brief: There is typically a vesting period of 1-4 years before you can exercise the options. ESOPs are taxed twice in India: once as a perquisite when you exercise them, and again as capital gains when you eventually sell, and the first tax bill can arrive before you’ve actually converted anything to
How to analyze company annual reports in brief: Most companies publish reports within 3 months of their financial year end. Most retail investors skip straight to the financial statements in an annual report and miss the sections that often matter more, the management discussion and the fine print in the notes, where problems tend to
Stock splits bonus shares in brief: A 1:2 split converts one ₹1,000 share into two ₹500 shares, your investment value remains the same. A stock split, a bonus share issue, and a rights issue can all make your shareholding look bigger overnight, but only one of them actually asks you for more money, confusing the
Intraday trading in brief: Roughly 9 out of 10 individual intraday traders in India lose money in a given year, according to SEBI’s own study, yet the promise of quick profits keeps pulling new traders in every market cycle. Roughly 9 out of 10 individual intraday traders in India lose money in a given year,
Stock market sectors in brief: India is the pharmacy of the world, supplying 20% of global generic medicines. The Nifty 50 index hides a lot of sector concentration: financial services alone typically makes up more than a third of its weight, meaning an investor who thinks they’re diversified across the market may actually be heavily
Dividend investing in brief: Since April 2020, dividends are taxed in the hands of investors at their income tax slab rate. A stock paying a 6% dividend yield isn’t automatically a better income investment than one paying 2%, payout ratio and earnings stability matter more than the headline number, and ignoring them is how dividend
Stock market technical analysis in brief: Moving averages (50-day and 200-day) smooth out price data to identify trends. Technical analysis assumes that price and volume patterns repeat because human behavior repeats, it won’t tell you what a company is worth, but it can help time entries and exits around what fundamental analysis already told you
Nifty 50 index fund in brief: Picking individual stocks to try to beat the Nifty 50 sounds appealing until you check the numbers. Picking individual stocks to try to beat the Nifty 50 sounds appealing until you check the numbers. Most retail stock pickers underperform the index they were trying to beat, after accounting for
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