Zebu blog

Tag: wealth creation

  • This Diwali, Invest In Gold With Gold ETF

    Indians have always liked gold a lot, and this has been true for a long time. India didn’t get its first gold exchange-traded fund until 2007, though (Gold BeES). Gold is the asset that these ETFs are based on. Gold ETFs also give you a way to invest in the gold market in India.

    And this Diwali, when it is considered auspicious to invest especially in gold, you can buy its ETF on the share market with your Zebu trading account.

    Exchange-traded funds (ETFs) for gold, also called gold ETFs, are open-ended mutual fund plans based on the price of gold, which changes all the time. There are a lot of costs involved in making real gold. Gold ETFs are a way for investors to get into the gold market. They are a great choice for long-term investors who want to beat inflation.

    Gold is also a safer investment than stocks because it doesn’t change as much. Because of this, it gives you the chance to invest in gold and trade stocks. Some fund companies make money by buying and selling gold bullion. Because of this, they have to keep a close eye on the market. The price of real gold has a straight-line effect on how much gold ETFs are worth. Not only do they not skimp on purity, but they also make sure it is always available everywhere in the country.

    Who should buy gold exchange-traded funds?

    Gold ETFs could be a good choice for investors who want to add exposure to the gold market to their portfolios. It’s a low-risk investment that careful investors should look into. The money is used to buy standard gold bullion that is 99.5% pure. Gold ETFs are a low-risk investment, even though they are bought and sold on stock exchanges. People can buy gold ETFs instead of real gold if they don’t want to pay money to store it or pay extra taxes.

    What Gold ETFs are and what they offer Flexibility

    You can buy gold exchange-traded funds (ETFs) online and put them in your Demat account. The asset management company buys and sells them on a stock exchange (AMC). Even in the Demat format, gold ETFs act a lot like real gold.

    Liquidity

    Gold ETFs are very liquid because they can be traded on the stock market at the going rate during a trading session. Also, transaction costs, such as broker fees and government taxes, are lower than with real gold.

    Smaller capital requirement

    When you go into a shop, you will need a lot of money to buy gold. When you buy and sell gold ETFs, on the other hand, you can choose how much you want to buy and sell.

    It’s easy to take part in the gold market

    Gold exchange-traded funds give investors access to the open, successful, and safe gold market (ETFs). Also, they have a lot of cash on hand because gold is easy and quick to exchange.

    Long-term investment

    Gold ETFs are not subject to a wealth tax like real gold is. Safety and storage are also not issues with a Demat account. Because of this, you can keep your ETFs for as long as you want.

    Tax-efficiency

    Gold ETFs are a tax-friendly way to store gold because the profits they make are taxed as long-term capital gains. Still, sales tax, VAT, or a tax on wealth won’t make things harder.

    Trading on a platform (NSE)

    Investors in gold ETFs can trade in a clear way on the National Stock Exchange (NSE), which is a stock exchange platform.

    Easy transactions

    You can use it as security for loans and list it on the stock exchange to buy and sell it. Since there are no costs to enter or leave, transactions go more quickly and smoothly.

    Risk elements

    The NAV, or net asset value, of a gold ETF can go up or down with the market, just like any other stock fund. In a similar way, other costs, such as the fee for managing the fund, can also change the results.

    This Diwali, if you are interested in investing in Gold, open a Zebu trading account and start investing today. It only takes 5 minutes.

  • Why This Diwali Is The Best Time For You To Invest

    Options for investing this Diwali: There are many ways to invest, from corporate bonds and gold to stocks and index funds, which may help you build wealth and be financially stable in the long run.

    During Diwali, lights are used to celebrate, and Goddess Lakshmi stands for wealth. During the Samvat year, it is smart to make plans for money and lay the groundwork for financial stability (the Hindu New Year). People can build wealth and plan for their financial future in many ways, from buying gold to buying stocks.

    The primary market

    Initial Public Offerings (IPOs)

    They are great ways to invest for the long term. After a short period of calm, the market for initial public offerings (IPOs) has recently exploded. As the economy and business growth continue to rise, many businesses will use the primary markets to raise money and list their subsidiaries or verticals.

    Equity

    Long-term returns from stocks have always been better than short-term changes in the economy and market. They may also do better than other asset groups in the long run. Value investing is a good place to start. Value investors are like stock scouts because they look for cheap companies or stocks that other market participants haven’t found yet. Instead of buying stocks, they put their money into businesses. Rakesh Jhunjhunwala and Warren Buffet are two examples of value investors.

    Investing in stocks with high dividends could also be a good idea, especially when the market is very volatile. Some Indian businesses are known for giving out attractive dividends. Since they are still stocks, high-dividend stocks still have the chance to go up in value.

    Index funds

    Now is a good time to start investing with them Around Diwali, and index funds have been known to give better long-term returns.

    Since the market can go up and down and there is a real risk of losing money, and if you don’t know much about the market, you may not want to invest in stocks. Here are index funds. An index fund is a type of mutual fund that looks like the portfolio of an index. For example, a Nifty index fund would track the NSE Nifty index and hold a mix of the 50 stocks that make up the Nifty. The results of an index fund would be similar to those of the index it tracks. So, asset allocation with index funds gives you diversification, lowers risks, and increases long-term returns.

    Corporate bonds

    Corporate bonds are a good choice for investors who don’t want to take too much risk and want a stable way to make money and good returns in a time when fixed deposit rates are going down. These bonds are made by both private and public businesses. Investors should only choose companies with a good reputation, a long history of paying their bills, and a high credit score.

    Gold

    Gold has been one of the best investments this year. It has gained more than 30%. Gold is seen as a safe investment option because it tends to do well when things are uncertain. Gold is likely to keep its shine for a long time, since the Covid19 pandemic shows no signs of stopping and geopolitical problems in India’s region and around the world are getting worse. Gold is also a good way to protect against inflation. During the Dhanteras celebration, it is said to be lucky to buy gold.

    If you would like to open a Zebu trading account and start investing in any of these instruments, please get in touch with us today.

  • Why Is Muhurat Trading Special?

    Muhurat trading is an old ritual that has been done by traders for hundreds of years, even before the existence of the share market. This is the lucky hour of trading that happens on Diwali, and the stock exchange decides when it happens every year. People have thought for a long time that trading or investing during the Muhurat will bring money and success for the whole year. During this session, which is mostly held in the evening, most traders buy stocks.

    The word “Muhurat” means a good time to do business. According to the Hindu calendar, this is when the planets are lined up in a certain way, making it a good time to do business. Most traders do business during this time of year for sentimental, religious, and customary reasons.

    How did it all begin?

    During the Muhurat trading session on Diwali, brokers used to set up new settlement accounts for all of their clients. Indian stock exchanges are the only ones that can do Diwali Muhurat Trading. On Diwali, a ceremony called Laxmi Pooja is held on the stock market, and investors buy shares of reputable companies to keep for future profits. Muhurat trading tells us two things that are clear and loud: pay attention to quality and make investments with long-term goals.

    Information you need to know about Muhurat Trading

    1. The best day to put money away

    People believe that the day of Diwali and, especially, the season of Muhurat trade are especially good times to invest money. This is one reason why a lot of traders start the day with special prayers and buy shares in companies they want to invest in for the long term. To make a smart investment, you also need to know what happened on the stock market the day before.

    2. Good for first-time investors

    The best time for a new trader to make their first deal is called the “muhurat deal.” One can learn about the market while exploring with a small amount of money. Once they understand it well enough, traders can choose the best stocks to invest in.

    3. Helps day traders make money

    Many traders believe that muhurat trading is a good way to make a lot of money because the Sensex will be going up, for sentimental reasons. Because of this, many people buy and sell stocks on the same day. But people should be careful because the Sensex has lost money on some Muhurat trading days. There have also been times when the Sensex went down the day after an event.

    What do you need to do?

    Before making an investment, a person who wants to make money should look for stocks or equities with a high return and a strong cash flow. Adding gold to your portfolio of investments needs careful thought if you want to make money from it. Today, you can easily buy Gold in the form of ETF or bonds.

    Muhurat trading If you’re one of the many traders who hasn’t yet found the right time to buy or sell on the stock market, this is the year to do it. This is a very exciting time for both traders and investors. But it’s important to remember to trade wisely and not let your desire to make more money take over.

    So get ready by doing research on the stocks you want to trade and the money you want to put in during the Muhurat Trading this Diwali. Open your Zebu trading account and get started now.

  • Everything You Need To Know About Muhurat Trading – Part 2

    Who Can Benefit from Muhurat Trading?

    SInce there are so many trades during the Muhurat trading session, it is a good time to buy or sell stocks. Also, the market is usually good because people are optimistic about the economy and stock markets during the holidays because they are thinking about getting rich and being happy. So, the Muhurat trading session is a great time for traders and investors, both experienced and new, to make money.

    If you’ve never bought stocks before, Diwali is a great time to start. Look for good companies and buy a few stocks in line with your investing plan and with a long-term view. If you want to get into stock trading, you might want to watch the markets during Muhurat Trading to get a feel for how things work. You should probably do some paper trading as well. Since you can only trade for an hour, markets are known for being very volatile. Because of this, new traders are told to be careful.

    As a sign of respect for the good luck of the day, most investors and traders will buy or sell stocks during this session. This means that experienced day traders can also make money during this session.

    It may be more important to do something than to make money from it. So, day traders with experience can make money by taking positions after giving them enough thought. This year, the economy has been hurt by the effects of the pandemic on both businesses and people’s lives. Many experts think that the Muhurat trading session in 2022 will be a good one, but you should keep your excitement in your heart and use your mind when choosing trades.

    Things to think about before getting into Muhurat Trading

    1. Most traders and investors think that now is a good time to put money into stocks.
    2. At the end of the trading session, all open positions will have to meet certain settlement requirements.
    3. On October 24, 2022, there will be a muhurat trading session. On October 24, the markets will be closed for Lakshmi Pooja.
    4. Traders need to keep a close eye on the resistance and support levels. During Muhurat trading sessions, it has been said that the markets might move in a random way and not go anywhere. So, as a day trader, you will be able to make better trading decisions if you keep the resistance and support levels at the centre of your trading decisions.
    5. Before investing in a company’s shares for the long term, investors should make sure they still believe in the company’s core values. Most of the time, trading during Muhurat is very exciting, and rumours can spread quickly. Keep things simple and invest based on your investing strategy and how much risk you can handle.
    6. Since the trading window is only open for an hour, if you want to make money from the volatility, you should be careful to choose stocks that have a lot of trades.
    7. Investing during this time frame does not guarantee a return. Even if the stock has a good Diwali, its performance in the future will depend on how its fundamentals and macroeconomic factors change.

    Make use of the positive sentiments around Diwali to invest in your favourite stocks. To get started, open your Zebu trading account today.

  • Everything You Need To Know About Muhurat Trading – Part 1

    The Hindu calendar says that the Festival of Lights, or Diwali, is a lucky time. It shows that good wins over bad, that knowledge wins over ignorance, and that light wins over darkness.

    Diwali has a lot of different traditions, rituals, and beliefs that go along with it, just like any other religious holiday. One of these is Muhurat trade. Today, we’re going to talk about this tradition and tell you everything you need to know about it.

    What is Muhurat Trading?

    Before we answer the question, “What is Muhurat Trading?”, let’s take a look at the word “Muhurat.” The word “Muhurat” means a fortunate time. Hindu traditions say that muhurat is a time when the planets are in a good position to make sure success.

    A lot of traders in India follow a tradition called “Muhurat Trading.” On Diwali, this one-hour window is thought to be a good time to buy stocks. The time for Muhurat trading is set by the stock market every year.

    The belief is that people who trade at this time are said to have a higher chance of being rich and successful for the rest of the year. As a gift to Goddess Lakshmi, most people choose to buy stocks around this time, which is often the evening of Diwali. This is only in the Indian stock market.

    Muhurat Trading’s History

    When did Muhurat Trading get its start?

    Many stockbrokers started their new year on Diwali. So, during Diwali, they would open new settlement accounts for their clients during a lucky time called the Muhurat. On Diwali, brokers would also worship their ledgers by doing Chopda Pooja.

    Many people believe that this time is lucky, so muhurat trade has become more of a symbol than a traditional practise. Most Hindu investors do Lakshmi Pujan, which is a prayer to Goddess Lakshmi, and then buy shares in strong businesses that have the potential to make money in the long run.

    How do things work at Muhurat Trading?

    The National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) both let people trade on Diwali for a short time. Most of the time, the session has the following parts:

    1. Block Deal Session: This is when two people agree to buy or sell a security at a set price and let the stock exchange know about it.
    2. During the pre-open session, the stock exchange decides on the price that is just right (usually around eight minutes).
    3. During the normal market session, which lasts an hour, most trading takes place.
    4. Auction Session: this is when securities that are hard to sell are traded. A security is said to be illiquid if it doesn’t meet the requirements of the exchange.
    5. During the closing session, people who trade or invest can place a market order at the closing price.

    To open your account with Zebu to invest during the auspicious day of Muhurat trading, get in touch with us now.

    To know more about Muhurat Trading, read out next blog for part 2 of this blog post.

  • Why SIP Is Important For You

    Putting money into mutual funds through a structured investment plan (SIP) has become very common. Read on to find out why mutual funds are such a good way to invest and how SIP can help you reach your long-term financial goals. Looking for good stock trading platforms? We offer the best online trading platform and the lowest brokerage for intraday trading. Everyone has hopes, dreams, and goals they want to reach. Everyone wants to feel safe about their money. For example, a new car, a bigger house, or a trip with the whole family to a faraway place. But you can only reach your goals if you put in the work that is needed to make them happen. Investing in mutual funds through a Systematic Investment Plan (SIP) could be a simple way to help you reach your goals. So, let’s look at what SIP stands for, how they work, what the benefits of SIP are, and how investing in SIP can make it seem like you can reach your financial goals.

    HOW DOES SIP WORK?

    A Systematic Investment Plan, or SIP, is an investment in a mutual fund that lets you invest slowly over time. It is a way to invest fixed amounts of money on a regular basis, such as monthly, quarterly, or every six months. If you invest consistently in this way, you may find it easier to reach your financial goals. To make money, you don’t have to time the market. With SIP investing, this uncertainty is taken away. Once you’ve chosen the term and frequency of your investments, you can choose to have them made automatically. Then, tell your bank to regularly move money from your bank account to the SIP mutual fund of your choice.

    WHAT’S GOOD ABOUT SIP IN MUTUAL FUNDS?

    The investments are not affected by the volatility of the market. The markets show what’s going on in the economy, and just like the economy, the markets go up and down. So, a drop in the market could wipe out some of your gains, but a SIP can turn this to your advantage. One of the benefits of SIP is that it keeps investors from gambling in markets that are very unstable. Investors may buy more units when the market is low and fewer units when the market is high. Because of this, the long-term average cost of each unit is expected to be less, and the returns on investments are good. Because you invest every month, the NAV of each scheme changes, so the number of units you get each month also changes. When the market goes up, the price goes up every month, and you get fewer units. When the cycle turns and markets start to fall, the price to buy drops and you start to get more units for the same amount of money. Rupee Cost Averaging is the process of investing at different times in the market so that the costs are spread out over a longer period of time.

    HELPS TO BUILD CORPUS WITH SMALL AMOUNTS

     Another benefit of SIP investment is that it lets you put as little as Rs. 500 per month into mutual funds. Even if you don’t have a lot of money, you may be able to benefit from India’s growth by investing in mutual funds. This could be a cheap way to put money away every month without going over budget. With the SIP step-up feature, you can increase the amount you put away each month as your income goes up. Investors can also add more money to their SIPs regularly through mutual fund firms. With a systematic investment plan (SIP), you invest the same amount of money in a mutual fund scheme every month. Over time, this adds up to a large corpus. One of the main reasons why your savings grow is because of compounding. Because mutual fund returns are re-invested and you get returns on your returns, you benefit from compounding, which is a simple but powerful force.

    YOU BECOME MORE DISCIPLINED WITH YOUR SAVINGS

    One of the most well-known benefits of SIP investments is that they allow investors to save money in a structured way. Also, a monthly budget helps teach people to be responsible with their money. SIPs are very flexible, so they can be stopped at any time and the amount invested can be increased or decreased. By using SIP to save first and spend later, you can follow the golden rule of personal finance. Now, all you have to do is pick a monthly SIP date that matches the date you get paid. And before you start spending, every month you’ll end up investing.

    BOTTOM LINE

    Investing in mutual funds through SIP has many benefits besides the top three listed here, such as convenience, diversification, flexibility, no fees to start a SIP, etc. Also, SIP goes against the idea that making money requires a lot of work and planning. In reality, SIP shows that you should avoid complicated investment strategies like “timing the market” and instead invest regularly to keep your money in good shape. If you are looking for a good stock trading platform, then check out Zubu’s website for the best online trading platformonline trading platform and lowest brokerage for intraday trading.

  • Investment Tips For Women

    It is a good time for women to be financially independent and take charge of their money. With easy access to information on the internet, changing social norms, and the ability to work and invest, women must get over the stereotypes and deal with money problems head-on.

    Here are a few tips for women to plan their finances.

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    Set up a budget

    Make a budget that fits your monthly or annual income and how long you want to take to reach your goals. This is where the 50-30-20 rule can help. Set aside 50% of your monthly income for living expenses, 30% for savings and investments, and the remaining 20% to live like a queen.

    It is important to make a budget for your money. Once you know what your costs will be, you can work around the estimate. With a budget, you can also figure out how much money you’ll need over the next 10 to 15 years, taking inflation into account.

    Set Financial Goals

    Learn how to make a plan and set financial goals for yourself as part of financial planning for yourself. You can use a spreadsheet or Excel to make a list of your financial goals. A financial goal is what you want to do with the money you’ve worked hard to earn. The goals are broken up into short-term, medium-term, and long-term groups.

    Once you have a plan, you will be able to figure out which goals you should save or invest for. So, it makes it easier for women to plan their finances.

    For instance, you will have to set a limit on your variable costs. If you don’t keep track of your irregular spending, you could end up in a financial hole. This could be caused by anything from required travel, phone, and internet services to a shopping spree or a night out with the girls. You don’t have to give up all the fun, but if you want to buy a house or start a business, you might want to be more careful with your money.

    Find out where you are now

    The next step in planning your finances is to find out where you are now. You can figure out your net worth or baseline by taking the value of your assets minus the value of your debts. Assets are things like bank accounts, investments, real estate, jewellery, and other valuable things. Liabilities are things like credit card debts, loans, mortgages, and other debts.

    Set up a fund in case of an emergency.

    There are no signs that a rainy day is coming. Anytime, things can go wrong. Women are often forced to take breaks from their careers to take care of their children or sick parents. This means that they don’t get paid and can’t invest their money. Because of this, it is important to have cash on hand even if you don’t get paid.

    Make sure you have a backup fund in a liquid investment that doesn’t have a time limit. You should always be able to get to the money. So, put money aside each month for those unexpected costs that your insurance won’t cover.

    Focus on Retirement

    On average women live longer than men when it comes to making financial plans. So, they will need, on average, more money to live without a salary. So, planning for retirement is an important part of making a plan for your money.

    Even though retirement seems far away, you’ll only have the money you’ve saved. So, even people who plan to work after they retire should get ready for a life with limited ways to make money.

    Also, make sure you have health insurance so that you don’t run out of money if you have to go to the hospital.

    CONCLUSION

    There are many reasons why women need to plan their finances. To start, women work less than men, live longer, and get paid less than men. And in the modern world, money is a sign of power, independence, and freedom. So, if you want to reach your goals, you need to plan your money well.

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  • Reasons Why You Should Invest Early

    When we are in our early or middle 20s and get our first job, the pay is not very high. From there, we have to figure out how to pay for things like rent, food, transportation, etc. every month. At this point in our lives, saving money and making investments are the last things we think about.

    But there are many reasons to start investing early. And we’ll talk about all of that in this blog.

    Here are 5 reasons why you should start investing as soon as you can.

    Number 1: When you start young, you can start small

    We all have things we want to do, like buy our favourite car or get married in an exotic place. For example, let’s say you want to get married in 5.25 years and you need to save Rs 15 lakh for this. You decide to put your money into equity mutual funds. Even though mutual funds don’t offer guaranteed returns, their long-term returns are around 12%. Now, you would have to put away Rs 11,250 every month to save Rs 15 lakh in 5.25 years.

    Alternatively, if you start saving for the goal 2 years later, you would have to save Rs 18,750 per month to reach the goal on time. You would also have to save more.

    In the same way, if you start early on any goal, whether it’s to buy a house or save for retirement, your monthly investments and total investments will be much less than if you wait.

    Number 2: It brings discipline to your life


    If you start saving and investing early on, it will improve your spending habits on its own. We’ll tell you how.

    If you want to save a fixed amount of money from your fixed salary, you will have to limit your spending by making a monthly budget. And making a budget is the best way to change how you spend money because it helps you keep track of how much you spend each month on things like food, utilities, rent, entertainment, etc. And after doing this simple task for a long time, it becomes a habit.

    Now, to get into the habit of saving put away the amount you want to save each month. Then, use the money you have left to make a monthly budget. If you make Rs 25,000 a month and want to save Rs 5,000, for example. Then, as soon as you get paid, put away the Rs 5,000 first. Use the rest of the money to keep up with your expenses.

    Number 3: Compounding makes you wealthy


    The longer you keep your money invested, the more the benefits of compounding will help you.

    Let’s look at two examples of this to see what we mean. Let’s say you want to save Rs 8 crore for your retirement. In the first scenario, you start investing in a mutual fund when you are 25 years old. And to do this, you would need to save Rs 12,000 every month until you were 60. And over the next 35 years, you would put away a total of Rs 50.4 lakh.

    In the second scenario, you put the goal off for 15 years and start saving for retirement when you are 40. The goal amount, which is Rs 8 crore, hasn’t changed. Now, because of this delay, the amount you invest each month will be Rs 80,000, and the total amount you invest will be Rs 1.92 crores.

    So, if you put off investing for 15 years, the amount you put away each month goes up by more than 6 times, and the total amount you put away goes up by 4 times. Over time, this is how compounding works.

    Number 4: If you stay invested for longer, you can build up a bigger nest egg


    If you keep your money invested for a long time, you can get the benefit of compounding for a longer time. This means that the amount you have saved over the years will be much higher.

    To explain this, we can look at the point we talked about before. When we talked about the benefits of compounding, we said that even if you only invest Rs 12,000 per month, you can build up Rs 8 crore if you start investing at age 25 and keep it up until age 35.

    But if you start investing 15 years later and your savings decrease but deployed capital increases.

    So, it’s best to start early and keep investing for a long time if you want to build up a big nest egg without feeling the pinch in your pocket or lowering your standard of living.

    Number 5: You are more willing to take risks.


    When you are young, you have more opportunities to take risks than when you are older. At this age, you don’t have as many financial responsibilities, so you don’t have to think too hard before putting your money into something risky. Even if you make mistakes with your investments, you’ll have plenty of time to fix them and get back on your feet.

    For instance, a good rule of thumb for investing in stocks is (100 – your age). That is, if you are 30 years old, you can put 70% of your money in stocks and the rest in bonds. The rule of thumb says that if you are 22 years old, you can put up to 80% of your money in stocks. But if you start investing when you’re 45, you might not want to take that much of a risk. As a rule of thumb, you should only put 55 per cent of your money in stocks.

    Even though stocks are riskier than fixed-income investments, they may give you higher returns over time, allowing you to build a bigger nest egg with a smaller investment.

    Bottom Line

    So, if you haven’t started investing yet, you should do so today. Start small, keep things simple, and continue to learn as you go. Remember that getting rich is a long-term process that can’t be rushed. And as a young worker, the best thing you have going for you is time.

  • The Ideal Asset Allocation Formula For Your Capital

    For the same amount of capital, different investors will divide it and invest in different asset classes like mutual funds, real estate, bonds, FDs and so on.

    But how can we decide which portfolio is the best? Well, that depends on the investor’s age and what they want to do with their money. The right asset allocation for each investor is based on these things. But what does it mean to divide up assets? Let’s find out.

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    How do you divide up your assets?

    Asset allocation is the process of putting your money into different kinds of investments, such as stocks, bonds, gold, real estate, cash, and so on. It is the process of choosing what assets to buy with the money you have to invest.

    Asset allocation is important because it makes sure that your portfolio is in line with your financial goals. It also makes sure that you don’t buy assets whose level of risk doesn’t match your risk tolerance.

    So, what’s the best way to divide your wealth among different assets?

    There is no one best way for investors, in general, to divide up their assets in their portfolios. Even for the same investor, the best way to invest their money will change as they get older. So, if you are just starting out with investing, here is how you can figure out the best way to divide up your assets.

    When you’re in your 20s, you’re still young and many years away from retirement. This means that you can take more risks with your money and invest in the stock market today. So, you may put more of your money into stocks and mutual funds that invest in stocks.

    This is fine as long as you don’t have too many debts in your name. Also, you should balance your equity investments with a few safe investments to make your portfolio more diverse and reduce the overall risk.

    When you’re in your 30s, you may be able to earn a lot more than when you were younger. But you may also have other debts under your name, such as a mortgage or car loan. Still, you can still take some risks at this age because retirement is still a long way off.

    So, your portfolio could have a lot of stocks and a few fixed-income investments to balance out the risk. You could buy shares in mutual funds, or you could put together your own portfolio of stocks and bonds.

    When you are in your 40s, you are getting closer to retirement age. You need to make sure that you pay off your high-interest debts. As for how you divide up your assets, it may be time to gradually put less money into high-risk investments and more into stable ones.

    You could keep investing in mutual funds on the stock market as long as you choose “blue chip” stocks from strong companies or stocks that pay regular dividends. Aside from that, it might be a good time to put more of your money into debt instruments and deposits.

    Asset allocation in your 50s: When you’re in your 50s, you should put more emphasis on keeping your money than on making it grow. With retirement coming up in just a few years, you need to make sure you have enough money to take care of your life goals after retirement. Since you won’t be working after you retire, it’s also important to set up another way to make money.

    At this point, you can almost completely get out of the stock market and change your portfolio so that it has more debt and fixed-income investments. Also, try to choose investments that can give you a steady stream of income.

    When you are in your 60s, it is likely that you have already retired. You should have been able to pay off all your debts if you had planned your money better. Your asset allocation should be made up of only safe, risk-free, or low-risk investments like gold, real estate, deposits, and debt instruments. This way, you can make sure that the money you’ve saved up over the years is safe and not affected by changes in the market.

    How to make sure the best use of assets?

    In addition to the above rules of thumb, you can also make sure your asset allocation is good by making sure your portfolio is in line with your financial goals.

    Know where your money is going:
    Your goals must match up with how you divide up your assets. You need to know why you’re investing, whether it’s to buy a new house, pay for your kids’ college, or save for your retirement.

    Think about the time frame of the investment. You should choose investments with a time frame that matches the time frame of your goals. In other words, choose long-term investments for long-term goals and short-term assets for short-term goals.

    Think about the money you’ll make from your investments. Find out how much money you’ll need to reach a certain financial goal, and invest in something whose returns will help you build up the money you’ll need. For instance, you can’t use an FD to get the money you need to build your house. Instead, if you want to make a lot of money, you should invest in the stock market or stock funds.

    Conclusion
    If investing in the stock market is part of your ideal mix of assets, you need to open a demat account before you can start. Zebu has an online platform that makes it easy to do this. Make sure you look at your portfolio every six months or once a year to make sure it fits your age and goals.

    As an online share broker company, we understand the importance of efficient digital technology and offer a seamless online trading platform for our users and the lowest brokerage options. Visit us to know more.

  • Are You In Your 20s or 30s? Consider These High-Risk Investments

    As the name suggests, high-risk investment plans are best for people who want their money to grow over the long term. Most high-risk investment plans, on the other hand, tend to have big risks, but they also offer chances to make big returns in the long run. Plans like these are examples of high-risk investments:

    High-risk investment opportunities require a good online trading platform and at Zebu, that’s what we offer. As a highly experienced share broker company, we try to support our customers with the lowest brokerage on everyday transactions.

    1. Direct equities

    Investors who are willing to take risks can use stocks to reach their financial goals. Even though every asset is important in its own way, stocks have a better track record than other assets over the long term. So, in an equity investment, you can buy a piece of a company’s ownership, which gives you a say in the business’s profits and losses.

    2. Unit-linked insurance plans

    Most people in India think that ULIPs, or unit-linked insurance plans, are one of the best ways to invest because they offer both life insurance and investment returns. Not only that, but you can also move your money between high-risk, medium-risk, and low-risk investments. This is because it lets you put your money in a variety of different funds. Part of your money is put into different funds based on your investment goals and risk tolerance, and the rest is used to give you the much-needed insurance coverage.

    Overall, ULIPs are basically life insurance plans that let you invest your money in different money-market linked assets based on your goals. So, ULIPs are another way to invest in a portfolio of stocks or bonds that is managed by a professional. The benefit of investing in a bond fund through a ULIP is that, according to the current tax laws, you may be able to get a tax break under section 80C if you meet certain conditions.

    ULIPs make it easy to see where you stand in terms of risk, so you can choose a higher-risk fund for your long-term goals. As your investment nears its end, you can gradually switch to investments with less risk.

    3. Mutual Funds

    A mutual fund is made up of money from different investors that is put into the stocks or bonds of a company. Most of the time, thousands of investors share a mutual fund, and a fund manager works to get the best returns possible. A professional fund manager is in charge of running the mutual fund.

    Mutual funds offer a way to invest in multiple asset classes with a smaller amount of money. For example, you can invest in a fund that only buys stocks, a fund that only buys bonds, or a fund that buys both stocks and bonds.

    Mutual funds might have different types of risky funds based on the stocks or bonds they invest in. Index funds are thought to be the safest type of equity fund, while Gilt funds are thought to be the safest type of debt fund.

    Medium-Risk Investment

    Medium or moderate risk investments are, as the name suggests, plans for investments that are diversified or well-balanced. Plans for investments with a moderate risk profile offer the chance for growth and the ability to deal with a certain amount of market volatility. Most medium-risk investment plans help you diversify your portfolio by including both equity and debt instruments. This way, you can get stable returns without taking huge risks.

    As mentioned earlier high-risk investment opportunities require a good online trading platform. And being a highly experienced share broker company, we try to support our customers with the lowest brokerage on everyday transactions.