Index Mutual Funds invest in stocks that replicate a stock market index such as the NSE Nifty or BSE Sensex. They are passively managed funds, meaning the fund manager invests in the same securities as those present in the underlying index, maintaining the same proportion without altering the portfolio composition. The objective of these funds is to provide returns similar to the index they track. How do index funds work? Index Funds function by replicating the composition of a specific market index, such as the NSE Nifty Index. For instance, if an Index Fund tracks the NSE Nifty Index, it...

When transacting, designated digital assets automatically liquidate into fiat at real-time rates, which then get settled to the merchant via traditional debit/credit card payment rails. Behind the scenes, smart contracts facilitate systematic exchange between crypto collateral and fiat cash reserves held by issuing companies like Coinbase. This infrastructure unlocks global spending capacity for crypto holders minus volatility risks during payments. For consumers, the experience just amounts to managing personal crypto balance sheets through familiar debit card mechanisms to unlock spending power, travel perks, insurance, investment returns from linked DeFi apps, etc. Rewards often exceed conventional card schemes to promote engagement....

Personal finances and taxes are a difficult procedure, one that demands a lot of research, attention, and care from you. In this regard, a professional accountant can be a game-changer. Instead of you taking time out of an already busy day to learn taxes, you can hire a certified expert who can consult you! In this sense, a professional accountant plays a multifaceted role, one that goes much beyond - “Hey, can you please file my taxes?” Here’s how a tax accountant can redefine your finances: Personal Tax Return Filing When tax season rolls around, professional accountant serves as financial...

In the realm of personal finance, one of the questions that frequently arises is whether one can deposit a personal check to oneself. This might seem like an unusual transaction, but there are legitimate reasons why someone might want to do this, such as moving funds between accounts owned at different banks. This blog will explore the concept of self-check deposits and how it fits into the broader context of personal checkings. Understanding Personal Checkings Before delving into the specifics of depositing a check to yourself, it's important to have a clear understanding of how personal checkings work. A personal...

The Rising Attraction of ESG Funds in Investment Portfolios ESG funds in India have rapidly gained traction among investors due to sustainable investing principles. These funds offer an avenue for investing "sustainably," aligning investments with considerations for their environmental, social, and economic impact. The increasing emphasis on corporate social responsibility and social sustainability has heightened investor awareness regarding ethical participation in the market. ESG funds allocate assets from companies or bonds evaluated on Environmental, Social, and Governance (ESG) factors. There has been a recent surge in the expansion of ESG funds within India and global economies. The pandemic spotlighted the...

A 15-year term policy is a kind of life insurance that offers protection for a predetermined 15-year period. If the policyholder passes away within this term, the insurance provider pays a death benefit to the chosen beneficiaries. The beneficiaries may use this death benefit, which is normally a tax-free lump sum payout, to meet a variety of financial demands, including debt repayment, replacing the policyholder's income, paying for funeral costs, or any other financial commitments Term life insurance plans, like the 15-year term policy, don't accumulate cash value over time like permanent life insurance plans like Whole Life or Universal...

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