Finance

Often earning individuals are found confused among Roth vs Traditional IRA. If you are a newbie and wondering what an IRA is and how these 2 types differ from each other? Don't worry, we've got your concerns covered.  An individual retirement account (IRA) serves as an ideal method to save for retirement for individuals and…

Thanks to the global economic slowdown and geopolitical conflicts, investors are looking for low-risk investment options. The equity market is becoming volatile day by day. In that case, fixed income investments are here dressed as rescuers. Fixed-income securities hold a special place in the heart of investment individuals seeking secure and predictable returns.  For a…

In today’s modern world, it is almost impossible to imagine life without digital banking or financial services. Without digital banking, it is quite difficult to operate day-to-day expenses and build financial stability. However, even in this generation, many people are underbanked or unbanked. Multiple reports have confirmed that almost 14.1% and 4.5% of adults in…

In today's complex world of digital and modern finance, technological advancements are changing, and constant developments in personal finance can be seen. Banking and financial services have become crucial for a living; amongst this, an unseen barrier endures, which is the emergence of banking deserts. Banking deserts are not just arid regions; they are also…

A decade ago, LIBOR- the London Interbank Offered Rate was the most crucial benchmark for determining the interest rates on consumer and commercial loans. However, it was villainised and doomed due to multiple scandals and being a key factor in the 2008 financial crisis.  The Secured Overnight Financing Rate(SOFR) is the replacement for LIBOR in…

“When is the next Fed Meeting?” is a lingering question haunting anxious investors for good reason. The worst phase of inflation in the United States of America peaked over a year ago and yet the Federal Reserve is yet to abandon the interest rate hikes.  The next Federal Open Market Committee(FOMC) will be held on…

Hedging in finance is a practice that revolves around safeguarding your investments. It doesn’t matter what your investment type is, every investor should practice hedging for portfolio protection.  At first glance, hedging may seem like a gardening term but it is a beneficial practice that every investor should understand and follow. In the financial world,…

ETFs stands for Exchange-traded funds are some of the most popular investment vehicles for all types of investors. These popular funds offer the best of both worlds- providing the diversification of mutual funds while imitating the ease of stock trading. They are a popular choice for investors who are looking to diversify their portfolios without…

If you are an investor, you must have heard about mutual funds. But are you familiar with Hedge Funds? These pooled investment vehicles use specialised investment strategies across various asset classes to generate hefty returns.  In simple terms, hedge funds are similar to mutual funds but are only available to ultra-wealthy institutional and accredited investors.…

Securitization is the process of combining a group of illiquid assets and transforming them into interest-bearing securities through financial engineering. These assets can be sold in the financial market, providing lower risk and liquidity in the market. It makes it possible for issuers to dispose of assets in a cost-effective manner and get better funding…