Investing may look like a complex maze. It’s not really. Dive into these top picks and watch your mind unfold. It’s as simple as planning for an outing.
The 20s are a hugely consequential phase of your life – you’ll finish studying, start working and lay the foundations of a long career. Try to use this time to build good financial habits and give yourself a head-start in life. It might seem hard at first, but these habits will help you make better financial decisions to get ahead of your peers, and set you up for financial security early in life.
7min read

The well-known children’s fable – the ant and the grasshopper, has a great lesson even for grownups. Let’s think of summer as salaried days, achieving a personal goal or good health; if we, just like the ant, make the most of it by saving in anticipation for the harsh winter, which could be a sudden health crisis, an unexpected expense, or crushing debt , then we will be ready to face it. Unlike the grasshopper. While the moral of this story is important – that it is smart to save as much as one can during days of abundance – it is equally important to remember that your personal finance story shouldn’t end with just saving money.
5min read

Getting your first job is a milestone to celebrate! As you anticipate your first pay cheque, it’s also the perfect opportunity to learn some good financial habits. These will help you make the most of your money and give you a strong foundation in life.
5min read

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Accounting for Inflation while Investing
Inflation simply means an increase in price, and therefore a decrease in the purchasing power of your money. Because of inflation, Rs. 100 in your wallet today will be able to buy fewer goods next year than they can buy today. Inflation is calculated and published on an annual basis, so an inflation rate of 6% means that in one year, the price of goods and services rose 6%. In other words, you would have to pay Rs. 106 for goods that you could buy for Rs. 100 a year before.
Jan 2022
5min read

How To Protect Your Investments in Volatile Markets
In today’s world, a major adverse event can come out of nowhere – a job loss, an economic downturn, or who knows, a pandemic? Most of these events are beyond our control, but we can mitigate their adverse impact on our finances if we are prepared for them. Let’s look at some tips to deal with the fluctuations that occur in a modern economy.
Feb 2022
5min read

7 Mistakes to Avoid When Building Your Emergency Fund
An emergency fund can help you overcome some of the toughest situations in life. Whether it’s an unexpected layoff, a medical emergency or business disruption due to economic recession, you may need emergency funds to tide you over a crisis. During the coronavirus pandemic, 40% of people1 dipped into their emergency fund, and nearly three-quarters of them ended up spending more than half of it. When you have an emergency corpus for these situations, you are ready for anything life throws at you. The stakes are high, so it’s vital that you go about it the right way – and these are the 7 common mistakes you must avoid when building your corpus:
Mar 2022
6min read

Whether it is protecting your life as you plan for the future or being smart about your investments to make your money grow, understand what works for you.
An easy and smart guide to managing your household expenses effectively
Gen-Z: achieve financial freedom with savings, investments, insurance, emergency funds.
5min read

Financial security is an important goal and setting a budget and adhering to it can only help to attain this goal. Making a budget to maximise savings and optimising investment planning while managing your expenses and finances can be difficult but, it is the first step in accomplishing your short-term and long-term financial goals. The more efficiently you budget your expenses, the better your financial planning, and the closer you are to achieving your financial goals.
5min read

A periodic check-up is the best way to keep track of your health – and the same goes for your finances. When it comes to managing physical health, we simply consult doctors and follow their advice. Financial health can be trickier. We don’t always know where to begin or whom to consult, and we end up neglecting it.
5min read

Shield yourself and your loved ones with robust insurance planning
As you grow older, your responsibilities will grow, and before you know it, you’ll have a family to support. That comes with its own set of financial obligations, from college funds and home loans to cars and vacations. But if the pandemic has taught us anything, it is to expect the unexpected – and insurance is a vital risk management tool to protect you from unforeseen crises. It is a critical part of any financial plan – so let’s find out why insurance is so important for your financial well-being.
5min read

It’s been said that “life is what happens to you when you are busy making other plans”. In other words, life is unpredictable. Emergencies can come out of the blue and impose huge financial burdens. The pandemic has shown us that even the best-laid plans can be derailed by a sudden job loss or health crisis.
4min read

Good financial habits, especially if developed early on in life, can offer considerable rewards in the future. Let’s delve into 7 good financial habits you can build from today:
4min read

Save and invest for your secure future
Adhering to your financial plans is essential for financial security. If most of your expenses are unplanned, you may end up overspending. This could trigger a short-term crisis, as you run short of money to pay your bills. These crises hinder your progress towards your financial goals. Without a proper framework to manage cash flow, you may become susceptible to an endless cycle of credit card debt. You might even run out of money to pay insurance premiums, leaving you vulnerable in the face of life’s uncertainties.
5min read

If you’ve always wanted to see the world, don’t let your finances hold you back. Start building a travel fund so you can backpack across Europe, enjoy an overwater villa in the Maldives, skydive in Dubai and more. Sound financial planning will make sure you have the money to enjoy your trips, and that you don’t have to worry about your finances when you’re back home.
4min read

As a young investor with dreams and aspirations, this is the time of your life! You’ve probably got so many personal goals to achieve, whether it’s a new house, a new car or a bucket list vacation. For each of those dreams, you must have a plan beyond just savings – and Systematic Investment Plans (SIPs) are one of the best ways to get there.
5min read

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The information contained herein is provided by PGIM India Asset Management Private Limited (the AMC) on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. However, the AMC cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. The information contained herein is current as of the date of issuance* (or such earlier date as referenced herein) and is subject to change without notice. The AMC has no obligation to update any or all of such information; nor does the AMC make any express or implied warranties or representations as to its completeness or accuracy. There can be no assurance that any forecast made herein will be actually realized. These materials do not take into account individual investor's objectives, needs or circumstances or the suitability of any securities, financial instruments or investment strategies described herein for particular investor. Hence, each investor is advised to consult his or her own professional investment / tax advisor / consultant for advice in this regard. The information contained herein is provided on the basis of and subject to the explanations, caveats and warnings set out elsewhere herein. The views of the Fund Manager should not be construed as an advice and investors must make their own investment decisions regarding investment/ disinvestment in securities market and/or suitability of the fund based on their specific investment objectives and financial positions and using such independent advisors as they believe necessary.