Author: Naresh Saini

Investing is a crucial aspect of wealth creation, but choosing the right strategy can be challenging. Investors often debate between active and passive investing, two distinct approaches with different risk levels, returns, and management styles. Understanding these strategies can help you make informed decisions based on your financial goals and risk appetite. This article explores the key differences between active and passive investment strategies, their benefits, risks, and which one may be best suited for you. What is Active Investment? Active investment is a strategy where investors or fund managers actively buy and sell securities with the goal of outperforming…

Ensuring that your employer regularly deposits the provident fund (PF) contributions deducted from your salary is crucial for your financial security. The Employees’ Provident Fund Organisation (EPFO) offers several straightforward methods to help you monitor your PF account balance and confirm timely deposits. This guide outlines four easy ways to check your EPF balance, ensuring transparency and peace of mind.​ Check Your EPF Balance via the EPFO Member Portal The EPFO’s online portal provides a user-friendly interface to access your PF account details. Here’s how to use it:​ Use the UMANG App for Convenient Access The Government of India’s UMANG…

Investing is one of the best ways to grow wealth, but many people make avoidable mistakes that can cost them dearly. Whether you’re a beginner or an experienced investor, avoiding common pitfalls can help you maximize returns and reduce risks. The right strategy and awareness can turn investing into a powerful tool for financial freedom. Let’s explore some of the most common investment mistakes people make and the essential tips to ensure a strong start. 1. Not Defining Clear Investment Goals Many investors enter the market without setting clear financial goals. Investing without a purpose is like driving without a…

Investing your hard-earned money should bring you growth and financial stability. But what if things go wrong? Many people face issues like fraud, mismanagement, or hidden charges in their investments. If you’ve been cheated or misled, you have the right to file a complaint and seek justice. This guide will help you understand where and how to file an investment complaint, the authorities to approach, and tips to increase your chances of resolution. Why Do Investment Complaints Happen? Before filing a complaint, it’s important to know why investment disputes arise: If you have faced any of these issues, don’t worry!…

The Reserve Bank of India’s (RBI) decision to reduce the repo rate has significant implications for investors. A repo rate cut generally leads to lower interest rates on fixed deposits (FDs), while it may boost equity markets and impact debt funds. Given these shifts, should you continue with FDs, shift to index funds, or explore debt funds? To make an informed choice, let’s analyze these investment options based on returns, risks, liquidity, and suitability in a repo rate cut scenario. Fixed Deposits (FDs) – The Safe Investment Choice How Repo Rate Affects Fixed Deposits? A repo rate cut usually lowers…

Saving money is the key to a secure future, and the Public Provident Fund (PPF) is one of the safest options in India. It offers good returns, tax benefits, and long-term growth. Whether you are working, self-employed, or a homemaker, opening a PPF account is a great decision. But how do you start? What are the benefits? This guide will answer all your questions. Let’s make PPF simple for you! What is a PPF Account? PPF is a government-backed savings plan designed to help you grow your money safely. It started in 1968 and is known for its low risk…

Aadhaar is one of the most important identity documents in India. It is used everywhere, from opening a bank account to getting a mobile SIM card. But carrying the physical Aadhaar card all the time can be risky. It may get lost, damaged, or stolen. The good news is that you don’t always need to carry the physical card because you can download a virtual Aadhaar for free! The virtual Aadhaar, also known as e-Aadhaar, is a digital copy of your Aadhaar card. It is issued by the Unique Identification Authority of India (UIDAI) and is just as valid as…

Millions of people travel by train daily in India, making Indian Railways a vital part of life. However, accidents do happen. Whether it’s a train collision, derailment, or an unexpected mishap, passengers and their families may be entitled to financial compensation. The Indian Railway Catering and Tourism Corporation (IRCTC) and Indian Railways provide financial relief in case of injuries or deaths caused by train accidents. In 2025, knowing your rights and understanding the compensation process is essential. This guide explains when and how passengers can receive financial help, who qualifies, and the amount they can expect. When Does IRCTC Provide…

Investing in the stock market can be confusing, especially when choosing between Index Funds and Exchange-Traded Funds (ETFs). Both offer low-cost and diversified investments by tracking market indices like the Nifty 50 or Sensex. But which one is better for you? While they may look similar, there are key differences that can impact your investment journey. In this guide, we will compare them based on five important factors: cost, flexibility, accessibility, returns, and investment strategy. Let’s dive in! 1. Cost: Which Option Saves You More Money? Cost plays a crucial role in investments, and even small savings on fees can…

Silver has always been popular in India. People buy it for jewelry, coins, and investments. It is a metal that holds cultural and financial value. But before you buy silver, you must understand what affects its price. Many factors like global demand, local taxes, and the strength of the Indian rupee, can change the cost of silver. Knowing these factors can help you buy at the right time and get the best value. Here’s a guide to help you make a smart purchase. 1. Check Silver Purity Before Buying Not all silver is the same. Silver purity is measured in…