FinLeap – Articles

It is well known that the emergency fund is an absolute necessity for every family. During the Covid time, it was top of mind for people, however it is not given that much importance now. Life is full of surprises – not all pleasant and that’s where the emergency fund will come in use.  The

Taking debt is easy, repaying it is not. One dilemma borrowers face is on deciding which loan to prioritise for prepayment. A common approach is to repay high-interest rate loans (such as personal loans, credit card loans, etc., which carry high interest rates) first, as it means getting rid of a high-cost loan. But is this always

Bitcoin prices recently crossed $1,20,000 which translates to almost 90% year on year return! No wonder investor interest in cryptocurrencies is back roaring. A recent report points to Gen Z  under 35 years making up 71% of India’s cryptocurrency investors. Investors are pumping more money into cryptocurrencies driven by quick returns and favourable global trends.

Mis-selling of financial products is becoming more and more rampant. While insurance policies may lead the pack in terms of wealth lost, there are many instances of mis-selling in mutual funds and even products like corporate bonds.  Data from the insurance regulator IRDAI shows that over 60,000 complaints of unfair business practices were filed in

Of late, investors, especially the younger ones, have got on to the bandwagon of making quick returns. For them investments like gold or equities are for the older generation. This isn’t to say they do not invest in those assets. However, their focus is on newer, more exotic investments which give higher returns, such as

Those wanting higher returns from debt investments can consider credit risk funds. These invest 80-85 percent of their portfolio in AAA and AA rated bonds, and the balance in A rated bonds. Corporate bonds are debt instruments issued by public sector or private companies. With volatile equity markets, many investors are enquiring about corporate bonds due

When markets decline and fear sets in, investors feel it is better to sell off investments and shift to cash, with the hope of getting back in when the market outlook feels more promising. After 29 years, the Nifty 50 has had the longest losing streak with a continuous correction over the last 5 months.

Instead of paying the EMI, if the individual decides to invest the Rs 45,000 in an equity mutual fund for 20 years – assuming an annual return of 12%, the corpus at the end of 20 years would be Rs 37.50 lakh. Budget 2025 has given a bonanza to the middle class in India by

Social media or ‘finfluencer’ videos are the go-to information source for anybody wanting to make a quick buck. A recent study found that 72 per cent of stock recommendations given, from 2018 to 2022, by finfluencers with above 5,00,000 following ,failed to perform. The new year beckons. Market indices performed well in 2024 with midcap

‘My portfolio is underperforming.  My advisor has not recommended the right funds, and I have had an opportunity loss,’ is often a common grouse of many investors. But is it really the case? Or could it be a case of wrong expectations? For instance, there are investors who are not willing to take risks but