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Latest from HT Friday Finance

Financial resolutions for 2022- The millennial way

In a country where most conversations on investments and building a financial reservoir have traditionally revolved around assets that are safe and carry no risk, it may be a tad challenging for the younger generations to move away from those preferred asset classes.
Avoid taking investment decisions driven by emotions.
Avoid taking investment decisions driven by emotions.
Published on Jan 19, 2022 03:54 PM IST
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ByHT Brand Studio

Things that women investors should keep in mind when planning taxes

Given that our education systems never throw light on why the government claims portions of our money and how it impacts our finances, women and men alike are habituated to blindly signing the dotted line at the end of the financial year.
Issues like the gender pay gap, caregiving and maternal responsibilities make it harder for many women to manage their finances efficiently.
Issues like the gender pay gap, caregiving and maternal responsibilities make it harder for many women to manage their finances efficiently.
Updated on Jan 18, 2022 03:02 PM IST
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Why do women form an important demographic for retail investment players?

With an increasing number of women becoming financially self-sufficient, women are the biggest untapped market for players in the financial services industry.
Women-first financial products have to be designed from scratch to be relevant and they should be easily accessible for women from all regions and all rungs of the socio-economic ladder.
Women-first financial products have to be designed from scratch to be relevant and they should be easily accessible for women from all regions and all rungs of the socio-economic ladder.
Published on Dec 31, 2021 01:14 PM IST
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Plan that dream honeymoon with your savings and surprise him!

What often gets drowned in the wedding humdrum is the financial aspect of the honeymoon. Before choosing the right destinations, hotels and experiences, it is your financial preparedness for the trip that has to be taken into account.
With double income households becoming increasingly common, women are pitching in and at times, taking lead on planning honeymoon trips and arranging the finances.
With double income households becoming increasingly common, women are pitching in and at times, taking lead on planning honeymoon trips and arranging the finances.
Published on Dec 28, 2021 01:03 PM IST
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Change your spending habits to ensure financial independence!

While more and more women are being inducted into the folds of financial inclusion, there is seldom any acknowledgement of how many women struggle with changing their deeply entrenched habits.
Lifestyle changes can work wonders for your finances
Lifestyle changes can work wonders for your finances
Published on Dec 27, 2021 01:31 PM IST
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5 important tips for women to start financial planning in the New Year

We spoke to five women to know about their learnings from this year and what they hope to achieve in the next year.
Keep educating yourself in regards to personal finance and invest wisely.
Keep educating yourself in regards to personal finance and invest wisely.
Published on Dec 21, 2021 04:11 PM IST
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How can female investors avoid being influenced by male investment patterns

There is ample research to indicate that women lack confidence managing investments on their own and steering clear of the influence of the investment patterns of men may be a challenge for many.
Take stock of your goals, your liabilities and your risk-taking abilities from time to time – the success
Take stock of your goals, your liabilities and your risk-taking abilities from time to time – the success
Published on Dec 14, 2021 01:30 PM IST
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How financially savvy women can help increasing financial inclusion

Higher literacy rates, better network connectivity and access to financial service providers, autonomy over the use of cellphones and the familiarity with using digital tools for financial tasks have made it possible for a larger number of urban women to become adept at managing their money. Such women can play a pivotal role in empowering other women.
If you are looking at helping a less privileged woman, make sure to teach her the basic tenets of investing after you are done familiarizing her with the basics of using financial services.
If you are looking at helping a less privileged woman, make sure to teach her the basic tenets of investing after you are done familiarizing her with the basics of using financial services.
Published on Nov 30, 2021 10:16 PM IST
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Teaching young women the importance of saving and investing

The learning curve of managing finances is generally marked with a lot of hits and misses, with some experiences causing significant monetary losses. In the case of women, the road is more bumpy because gender stereotypes and patriarchal beliefs make it harder for women to learn the rope of personal finance.
Joining or starting a financial literacy group or club in your college can make the process enjoyable and help you stay motivated.
Joining or starting a financial literacy group or club in your college can make the process enjoyable and help you stay motivated.
Published on Nov 30, 2021 01:55 PM IST
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Why women have an edge over men when it comes to long-term investments?

Women choose the financial products carefully, do not get easily lured by the short term returns, do not take blind risks as well as think of the long term, and keep on investing with discipline and focus.
Female curiosity makes research a priority for them and they are aware of the risks as well as the cumulative benefits of their investments
Female curiosity makes research a priority for them and they are aware of the risks as well as the cumulative benefits of their investments
Published on Nov 29, 2021 01:12 PM IST
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The rise of female investors in the post-pandemic era

Many platforms which offer direct mutual fund investment experience are seeing new accounts opened by women investors who want to invest in different mutual funds for achieving their financial goals.
The trend of young women in India learning the ropes of the investment game can have positive trickle-down effects on the overall female investor participation levels in India.
The trend of young women in India learning the ropes of the investment game can have positive trickle-down effects on the overall female investor participation levels in India.
Published on Nov 26, 2021 07:03 PM IST
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A guide for women to invest in mutual funds

Many women let their money sit idle by storing cash in a dabba or they use that to buy gold. But it is high time for women to move away from those entrenched notions and dabble in asset classes that can provide better returns.
The advent of technology has fostered the creation of a host of user-friendly personal finance apps.
The advent of technology has fostered the creation of a host of user-friendly personal finance apps.
Published on Nov 25, 2021 03:21 PM IST
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Why personal finances are an important aspect of women's mental health

It is important to work out the tenets of judicious investment to reduce stress and anxiety. If need be, change your preferences in investment for asset classes.
In the game of investments, the most important thing is consistency and the best way to start a consistent investment is SIP.
In the game of investments, the most important thing is consistency and the best way to start a consistent investment is SIP.
Published on Oct 31, 2021 11:17 PM IST
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A ready reckoner to manage finances for would-be brides

If you are a bride-to-be, it may be easy to get immersed in making meticulous arrangements for your D-day but taking stock of your financial matters before walking down the aisle should be on your priority list too.
Learning to manage investments independently and having a portfolio before marriage is even more important in the case of women who are either not financially independent or do not have savings or investments.
Learning to manage investments independently and having a portfolio before marriage is even more important in the case of women who are either not financially independent or do not have savings or investments.
Published on Oct 31, 2021 11:05 PM IST
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Time to choose mutual funds over gold jewellery this Diwali!

When it comes to grabbing a piece of the yellow metal, the trend is more prevalent among women than in men because for many women gold is synonymous with a sense of security, holds emotional value and in many cases is also a means of self expression.
The fascination with gold as an investment vehicle has its roots in India’s post-independence history and the impact it had on how older generations approach matters of financial security.
The fascination with gold as an investment vehicle has its roots in India’s post-independence history and the impact it had on how older generations approach matters of financial security.
Published on Oct 25, 2021 04:18 PM IST
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Manage your child’s expenses in unforeseen situations by planning your finances

Children have been the worst affected by the pandemic and the loss of one or more caregivers has put the future of many of them at risk.
Women who are single parents should start saving for goals like children’s education as early as possible via SIPs (systematic investment plan) in mutual funds.
Women who are single parents should start saving for goals like children’s education as early as possible via SIPs (systematic investment plan) in mutual funds.
Updated on Oct 12, 2021 12:35 PM IST
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Spend without worry this festive season by managing your finances

In India, observing festivals can be an expensive affair. Be it new clothes, gifts, cash, jewellery or paraphernalia for religious rituals or lavish food – obligations can snowball into major expenditure.
Plan in advance for the festive season to enjoy all the frills that come with it
Plan in advance for the festive season to enjoy all the frills that come with it
Published on Oct 07, 2021 06:10 PM IST
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Spending too much on salon? Here is how your savings can come in handy!

Expenses incurred by women on looking presentable are not minor ones and yet they are never discussed. This is a unique financial issue – you obviously cannot channel funds in fixed deposits or random long-term investment assets for this purpose. Mutual funds are ideal in this regard. Know why!
You will never see a personal finance guru or a wealth advisor factoring in grooming expenditure by women  while doling out advice on savings and investments.
You will never see a personal finance guru or a wealth advisor factoring in grooming expenditure by women  while doling out advice on savings and investments.
Updated on Sep 13, 2021 04:25 PM IST
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Financial awareness helps women gain edge when they restart after career break

Women in India take sabbaticals from work for a host of reasons, the most common ones being pregnancy, childbirth or to fulfill caregiving duties for sick family members or aging parents.
In the world of investments, the most important thing is consistency and the best way to start a consistent investment journey is through SIPs.
In the world of investments, the most important thing is consistency and the best way to start a consistent investment journey is through SIPs.
Published on Aug 27, 2021 11:47 AM IST
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Time to talk about financial independence, woman!

For women to feel financially secure, they have to understand the term ‘Financial Independence’, which is about deciding what to do with their money. This awareness can help women to not just save money but also invest in various financial instruments.
Of late, women have started focusing on being self-dependent and financially secure.
Of late, women have started focusing on being self-dependent and financially secure.
Updated on Aug 23, 2021 04:12 PM IST
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Why women need to break free from traditional investment class like gold?

Despite the gold consumption pattern indicating the popularity of gold among Indians, gone are the days when making large investments in gold for creating a financial safety net for women made sense.
In India, gold continues to be a major component in the portfolio of majority of women and the time is ripe for them to start exploring other investment modes, especially mutual funds.
In India, gold continues to be a major component in the portfolio of majority of women and the time is ripe for them to start exploring other investment modes, especially mutual funds.
Published on Aug 18, 2021 06:03 PM IST
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Charting the path for financial independence of female small business owners

The most important thing in investing is to start early. So if you are a woman small business owner or if you run a home business, you should focus on starting early and investing regularly.
A 2019 report titled, Powering The Economy With Her: Women Entrepreneurship In India, that was published jointly by by Google and Bain & Company, a leading global consulting firm stated that women business-owners could potentially create 150 million-170 million jobs in India by 2030.
A 2019 report titled, Powering The Economy With Her: Women Entrepreneurship In India, that was published jointly by by Google and Bain & Company, a leading global consulting firm stated that women business-owners could potentially create 150 million-170 million jobs in India by 2030.
Published on Aug 17, 2021 03:07 PM IST
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How debt mutual funds can prove to be a boon during periods of volatility

Debt mutual funds also score better than equities when you want a steady stream of income from your investments. Whether you choose the growth or dividend option, you can be assured of regular income and while equities also pay dividends there is no guarantee.
Debt funds can cushion the impact on your investments when volatility is high and thus bring about predictability and safety in your portfolio.
Debt funds can cushion the impact on your investments when volatility is high and thus bring about predictability and safety in your portfolio.
Published on Jul 22, 2021 05:30 PM IST
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HNIs can use mutual funds to grow their wealth. Know how!

Mutual funds are a very important tool for HNI investors for their long-term wealth creation because it offers liquidity, diversification in terms of various categories available, tax efficiency compared to other financial products available, liquidity, professional fund management and transparency.
HNIs should start investing early and can allocate money across asset classes.
HNIs should start investing early and can allocate money across asset classes.
Published on Jul 21, 2021 05:44 PM IST
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Mutual funds vs Kitty Party funds: What women should know!

The humble kitty party has been given a face-lift over the years and they have evolved from being simple afternoon soirees with home-cooked food to lavish and glamorous affairs, many women still continue to rely on their kitty groups for their financial needs.
The kitty party afforded women some level of economic flexibility and a semblance of control over money.
The kitty party afforded women some level of economic flexibility and a semblance of control over money.
Published on Jul 15, 2021 04:14 PM IST
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Learn all about hybrid mutual funds

Hybrid funds offer investors a diversified portfolio because they typically invest in a mix of equities and bonds. These funds can have varying levels of risks ranging from low to moderate to even degrees that are palatable for the aggressive investors.
Hybrid schemes can be a good choice for investors to achieve short term & medium term goals & also for retirement planning if retirement is due in less than a decade.
Hybrid schemes can be a good choice for investors to achieve short term & medium term goals & also for retirement planning if retirement is due in less than a decade.
Published on Jul 14, 2021 06:24 PM IST
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Invest in mutual funds to reach your dream destination

Financial advisors say that some of their clients are planning a short vacation and are redeeming investments. And, at the same time many clients are also investing keeping long-term vacation in mind.
Investors can choose either Liquid Funds or Large-cap funds depending on their goals and risk-taking behaviour.
Investors can choose either Liquid Funds or Large-cap funds depending on their goals and risk-taking behaviour.
Published on Jul 13, 2021 01:52 PM IST
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Investing in MFs for the first time? Know about mistakes you need to avoid!

These mistakes usually fall in the blind spots of investors and can be easily avoided by exercising caution. Here are a few common mistakes that you should avoid as a mutual fund investor.
Gather all the information and research to ensure that the fund is right for you before you start investing.
Gather all the information and research to ensure that the fund is right for you before you start investing.
Published on Jul 12, 2021 12:30 PM IST
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Homemakers can invest in mutual funds to secure their future

With the pandemic taking away many principal bread earners, many families are facing immense financial distress. It is important for homemakers to step up and start looking at avenues to invest and sustain themselves in difficult times.
According to the World Bank, women account for only 20% of the total labour force in India, in 2019.
According to the World Bank, women account for only 20% of the total labour force in India, in 2019.
Updated on Jul 09, 2021 01:35 PM IST
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Worrying about college education of your teenage child? Here is how you can prep

Parents consider fees as the savings target but forget to consider the following things - Inflation in tuition fees; travel; accommodation; day-to-day expenditure and exchange rate fluctuations (in the case of foreign education)
Parents unpreparedness not only results in unfulfilled dreams but also shifts the burden to children in the form of education loans.
Parents unpreparedness not only results in unfulfilled dreams but also shifts the burden to children in the form of education loans.
Published on Jun 28, 2021 01:41 PM IST
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ByHT Brand Studio
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Friday, January 21, 2022