Author: Naresh Saini

When it comes to mutual fund investing, two popular routes are Systematic Investment Plans (SIPs) and lumpsum investments. While both can help in wealth creation over the long term, the way they work and the benefits they offer are quite different. Investors are often confused about which strategy will give better returns and more convenience based on their financial goals. Let us break down the difference between SIP and lumpsum investments and find out which can give better returns, lesser risk, and more benefits when you invest a fixed amount like Rs 10,000. What is a Systematic Investment Plan (SIP)?…

In India, gold is not just a metal. It is an emotion. From festivals to weddings, we Indians have always had a strong attachment to gold. It stands for wealth, safety, and tradition. But now, the way people invest in gold is changing. Earlier, people used to buy gold jewelry, coins, or bars. But today, many investors are looking at a smarter, safer, and more convenient option – Gold ETFs (Exchange Traded Funds). The big question is – has Gold ETF given better returns than physical gold over the long term? Let’s understand this with real data. What Is a…

क्या आप अपने भविष्य के लिए एक सुरक्षित और मोटा निवेश चाहते हैं? अगर हां, तो पब्लिक प्रोविडेंट फंड (PPF) आपके लिए एक शानदार विकल्प हो सकता है। यह सरकारी योजना न केवल आपको टैक्स बचत देती है, बल्कि लंबी अवधि में बड़ा फंड बनाने का भी मौका प्रदान करती है। क्या आप जानते हैं कि केवल 1.5 लाख रुपये सालाना निवेश करके आप 1.5 करोड़ रुपये तक का फंड बना सकते हैं? जी हां, यह संभव है अगर आप PPF की एक्सटेंशन सुविधा का सही इस्तेमाल करें। इस लेख में हम आपको बताएंगे कि PPF में निवेश कैसे आपके सपनों को…

The rollout of the Ayushman Vay Vandana Card under the Ayushman Bharat Yojana in Delhi has brought some confusion to people already having private health insurance. Many families like Mahesh’s, who already bought health insurance for their elderly parents, are wondering if they should keep it or cancel it now that free treatment is being offered by the government. Let’s break it down simply so everyone, especially senior citizens and their families, can understand how both can work together. Already Have Health Insurance? You Can Still Get Ayushman Benefits The good news is — senior citizens above 70 can get…

Planning for retirement is not just about saving money; it’s about making your money work smarter. With the rising cost of living, healthcare, and a longer life expectancy, Indians are becoming increasingly conscious about creating a reliable retirement corpus. Among the many government-backed saving schemes, two of the most popular are the Public Provident Fund (PPF) and the Senior Citizens Saving Scheme (SCSS). But the question remains—which one is better for your retirement planning? To make a well-informed choice, you need to understand how these schemes work, their benefits, limitations, and how they align with your retirement goals. Let’s dive…

In today’s fast-paced digital age, your PAN card is more than just a document for income tax—it’s become one of the most misused tools in bank-related identity fraud. If you think your PAN is just used for filing returns or opening a bank account, it’s time to think again. With increasing reports of PAN card-related frauds in India, where innocent people suddenly find out that multiple bank accounts or loans have been opened in their name, it is important to understand how this happens and how you can protect yourself. This article will take a deep dive into how PAN…

Your wedding day is one of the most important moments of your life. It’s full of excitement, planning, love, and… surprises. While you may spend months—if not years—planning the perfect celebration, life can still throw a curveball. That’s where wedding insurance steps in. Let’s face it: weddings are not just emotional events; they’re also financial investments. With average wedding costs rising steadily year after year, protecting that investment just makes sense. In this guide, we’ll walk you through everything you need to know about wedding insurance in plain, simple language. What Is Wedding Insurance? Wedding insurance is a type of…

राजस्थान के मुख्यमंत्री द्वारा शुरू की गई मंगला पशु बीमा योजना का मुख्य उद्देश्य राज्य के पशुपालकों को उनके पशुधन की आकस्मिक मृत्यु या दुर्घटना की स्थिति में आर्थिक सुरक्षा प्रदान करना है। इस योजना के तहत, गाय, भैंस, बकरी, भेड़, और ऊंट जैसे पशुओं का बीमा किया जाता है, जिससे पशुपालकों को वित्तीय संकट से बचाया जा सके। 📋 योजना की प्रमुख विशेषताएं 📝 आवेदन प्रक्रिया 💰 दावा प्रक्रिया यदि बीमित पशु की मृत्यु होती है, तो पशुपालक को निम्नलिखित प्रक्रिया का पालन करना होगा:​ 📊 योजना का प्रभाव मुख्यमंत्री मंगला पशु बीमा योजना ने राजस्थान के पशुपालकों को…

जब बात अपने और अपने परिवार के भविष्य को सुरक्षित करने की आती है, तो भारतीय जीवन बीमा निगम (LIC) का नाम सबसे पहले ज़हन में आता है। देश की सबसे भरोसेमंद बीमा कंपनी LIC की जीवन शिरोमणि पॉलिसी एक ऐसा प्लान है, जो न सिर्फ़ आपको और आपके परिवार को आर्थिक सुरक्षा देता है, बल्कि निवेश के ज़रिए मोटा मुनाफा भी कमाने का मौका देता है। खास तौर पर हाई नेट-वर्थ इंडिविजुअल्स (HNI) के लिए डिज़ाइन की गई ये पॉलिसी उन लोगों के लिए है, जो बड़ा निवेश करके बड़ा रिटर्न चाहते हैं। चाहे आप दिल्ली की चहल-पहल में…

The Life Insurance Corporation of India (LIC) offers a variety of insurance plans to cater to different needs. Among them, LIC Jeevan Shiromani (Plan No. 947) stands out as a premium savings and protection plan, especially designed for high-income individuals. This is not just a regular insurance plan — it’s a combination of life protection, guaranteed returns, survival benefits, and loyalty additions. Launched as a non-linked, with-profit, limited premium payment plan, LIC Jeevan Shiromani targets those who seek both financial growth and strong insurance coverage. In this article, we’ll discuss the key features, benefits, eligibility and also provide a realistic…