The stock market has never been fully reliable, and anyone who has traded in stocks for even a short time knows that prices can change a lot in a single trading session. What sets experienced investors apart from new ones is not their ability to avoid these changes, but their willingness to learn more about them. That’s exactly what the India Vix does: it gives a number value to the amount of market volatility that is expected over the next 30 days. It is found by looking at the bid and ask prices for out-of-the-money NIFTY options contracts on the…
Author: Aryansh
Aryansh
He is a blogger with over 6 years of experience in digital marketing and blogging. He writes about personal finance, business, marketing, and the latest news. In his free time, he enjoys travelling and reading books about money.
Suppose you have worked hard and finished the project on time, and you provide quality outcomes. But when you make that last invoice, it simply lingers there in electronic purgatory. You dispatch another reminder. No more than silence or even a direct refusal to pay. It is a very frustrating situation for any business owner. You are having a mix of anger, confusion, and anxiety inside. You have wasted time and may be wondering how this loss will affect the money you have. Such a typical problem may occur to every freelancer or small entrepreneur offering basic services. It is…
Running a business in India is a rollercoaster ride. One day, you are celebrating a huge order from a first-time client. The following day, you are banging your head on the fact that there is not enough money in the bank to cover the electricity bill or the salaries of your staff. It is the standard trap of a business with zero cash, which is profitable. This is the nightmare of many entrepreneurs in cities such as Delhi, Mumbai, or Bengaluru. You have great numbers on your laptop screen. Your CA informs you that you have made a profit during…
Running a business in India is a dream for many of us. We see the shop shutters go up and the orders pouring in on WhatsApp. It feels like success when the phone pings with payment alerts. But then the end of the month arrives. You look at your bank balance and realize there is nothing left. In fact, you might even be struggling to pay your suppliers or staff. This is a painful reality for many small and medium-sized business owners today. Making sales is easy if you have a good product. Keeping that money is the real challenge.…
Every Indian household has faced this dilemma at some point. Your bank manager calls you and suggests a “Special Plan” that gives you life insurance and stock market returns in one package. On the other side, you see your friends talking about SIPs in Mutual Funds and how they are creating wealth. You are standing in the middle, wondering where your hard-earned money will be safe and grow the most. In India, we love “Two-in-One” deals, but these deals can sometimes be very expensive in the world of finance. Deciding whether to go with a Unit Linked Insurance Plan (ULIP)…
In India, we buy insurance policies more through “rishtedaari” than research. A cousin or a neighbor becomes an insurance policy agent, and we trust them blindly. They tell us that a particular insurance policy will double our money and also cover our health. We sign the papers and pay the premium. When the policy document was delivered to us after a few weeks. You start reading it and realize this is not what you discussed. The benefits are lower, and the lock-in period is way too long. This is a classic case of mis-selling. If you are feeling trapped at…
Suppose your health insurance policy is ₹5 Lakhs. You are having a surgery which is worth ₹2 Lakhs. You are also relaxed knowing that your insurance will cover the amount. However, when you are discharged, the hospital informs you that you must pay ₹40,000 out of your own pocket. You get angry and think that you have been defrauded by the insurance company. This is the Co-payment shock that a number of Indians have to experience on a daily basis Indian people tend to take insurance without looking at the terms and conditions. We examine the premium and the overall…
You get corporate health insurance when you are hired into a new firm, and then you look at the PDF of the Employee Benefits, and read that there is a ₹3 lakh or ₹5 lakh health cover. You breathe a sigh of relief that your medical problems are under control. You get the feeling that you have crossed one big item off your list of adulting without spending a rupee of your own money. But here are the realities on the ground. Medical inflation in India today is increasing by a staggering 14% to 15% per annum. One week in…
LIC is now virtually the brand that is the synonym of life insurance in India. However, there is one thing that I would like to tell you, that your family is not really safe by simply having an LIC policy. The actual issue is whether such a policy can offer sufficient protection. This is where the misunderstanding begins, and honestly speaking, it is a serious misunderstanding that should be sorted out. Everyone has been brought up in the notion of saving money. New parents usually receive their first financial advice in the form of “Bacche ke liye LIC le lo”…
Indians do not like to discuss death. It’s almost a taboo. When a person mentions life insurance during a family dinner, he or she gains a response of either Shubh Shubh bolo (speak auspicious things) or the switching of topics. We exist with a sab theek ho jayega ( everything is alright) mentality. However, having observed the financial situation of Indian families for more than fifteen years, I can say to you that theek ho jayega is not a financial plan. Life is unpredictable. We arrange weddings, holidays abroad, and even the best schools for our children. But we always…