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EDITORIAL PICKS FOR YOU TO GROW!

You’ve arrived. But the road ahead seems unclear. Dig into these top picks that help you maneuver through the complexities of investing
Entrepreneurship is the ultimate professional goal for many people – a chance to build something of your own. Running a start-up can be a highly rewarding, engaging and exhilarating experience, but it can also be a huge challenge. According to one report, more than 90% of Indian start-ups fail within the first five years[1].
7min read

89%1 of Indians who feel unprepared for retirement, do not have any alternative income. Good retirement planning is essential if you want to remain financially independent in your golden years, once your regular income ceases. Here are 7 steps to plan for a worry-free retirement:
3min read

Tax planning is the process of adjusting your finances to reduce your tax liabilities. For a working woman who has just got married or started a family, it is an especially important step. Without proper tax planning, it becomes harder to achieve your financial goals. Every penny you save on tax can be channelled into investments for your future.
5min read

Old habits die hard. While market timing is a popular concept in the equity markets, it also influences investment decisions among some mutual fund investors. Many are now abandoning the traditional buy-and-hold approach to try and generate higher returns by predicting the highs and lows of the market. But what is this market timing strategy? Can investors really predict the highs and lows consistently? Let’s look beyond the hype to find the truth.
6min read

Making travel plans is always exciting, but the variety of choices can get overwhelming without a plan in place.
3min read

Portfolio diversification simply means investing your money in different asset classes. By enabling you to invest in a variety of assets, rather than just one or two, it allows you to balance risk better and optimise returns.
3min read

Limited financial awareness can lead to mismanaged finances, so investors rightly seek the help of qualified financial advisors. These advisors have the necessary expertise in personal finance and can help you create a suitable portfolio aligned with your goals. However at times, a financial advisor may not be fully aligned to your goals. How can you tell whether your financial advisor is providing you the right advice?
3min read


HOW TO GET STARTED?

Want to understand how "finally" to get started? Absorb in the pool of knowledge to get a head start.
Why Liquidity is an Important Aspect of Your Portfolio
Planning your investment portfolio helps you allocate your savings into suitable investment avenues that align with your financial goals. When planning a portfolio, investors usually look at four key attributes in investment and saving plans – return potential, time horizon, tax savings and risk profile. But many tend to neglect liquidity, an important attribute that could have major financial implications.
May 2023
8min read

Why risk-adjusted returns matter and how to calculate them
While evaluating the performance of any product, merely looking at the returns in isolation can give you an incomplete picture.
Apr 2023
5min read

How To Manage Your Finances Effectively As An Independent Woman?
If you are an independent working woman, it is important that you manage your finances effectively so that it fits in with your financial goals. When both spouses in a family are earning, financial planning needs of a couple become slightly different as one income complements the other. Here are the things you should do to manage your finances effectively.
Mar 2023
5min read

What You Should Know About Taxes on Your Investments
With growing financial awareness, you will have realised the importance of investing. But amid the rush to generate higher returns, taxation is often overlooked. Understanding the basics of taxation on investments is the first step to maximising potential returns, and protecting yourself from tax notices and the other severe consequences of misfiling taxes or unintentionally hiding information.
Jan 2023
3min read

How Mid Cap Funds Could Work for You
Mutual funds have grown in popularity over the past decade, gaining significant traction with investors. This growth was not dented by the COVID pandemic.
Oct 2022
3min read

Strengthening your Investment Portfolio through Asset Allocation
Wealth creation is a lifelong endeavour and requires proper investment planning over the long term. It calls for calculated investment decisions, especially in allocating to asset classes to create a potent and well-balanced portfolio. But what exactly is asset allocation and how does it affect your financial investments? Let’s find out.
Jul 2022
3min read


UNDERSTAND WHAT WORKS FOR YOU

Different things work for different people. Even if you are at the same life stage. Understand how you can manage your savings better as you watch your money grow.
Household Budgeting
An easy and smart guide to managing your household expenses effectively
Improvements in gender equality and opportunity have driven unprecedented growth in female entrepreneurship in recent years. More and more women are finding ways to pursue their passion while becoming financially independent. If you’re one of them, and need funding for your venture, you will have to apply to a bank for a business loan. Here’s how you can make sure it’s a success: 
3min read

Once you have defined your financial goals, it’s important to keep checking your progress, to see if you’re on track. This way, you can change course or revise your strategy if you feel like you’re falling behind. Here are some tools and metrics that you can use to evaluate your financial progress and know where you stand:
5min read

As jobs become more stressful, many people are taking a career break to recharge their batteries. Some also take a break to pursue an activity that they are passionate about.

5min read

Vacations are fun, adventurous and a great way to spend quality time with your loved ones. However, they’re also expensive and require careful financial planning. Follow these 7 handy tips to ensure that your dream holiday doesn’t dent your finances:
4min read

Learn how a home loan insurance policy works and its benefits.
3min read

Choosing a house is one of the most consequential financial decisions you will make. Whether you are buying or renting, it constitutes one of your largest expenses, so it’s important to get it right. But how should you decide whether to buy or rent? Use this 7-point checklist to help you choose:
6min read

Experts say if you fail to plan, you plan to fail. This is as true in finance as it is in life. When it comes to financial planning, you need a sharp and effective strategy to make the most of your money. If you’re looking to strengthen your finances, here are ten steps to sharpen your goal-setting strategy:
7min read

Protect
Shield yourself and your loved ones with robust insurance planning
Running a business takes vision, courage, dedication and more than a little luck. As the pandemic has shown us, there is always a chance that market downturns or external crises could hit your business, no matter how robust your business plan. According to one report, 12,930 companies in India shut down operations in 2020-21 due to the COVID-19 pandemic[1]. This just goes to show how unpredictable the world is, and how quickly things can go wrong. But while you cannot predict the future, you certainly can prepare for such eventualities with the help of a contingency plan. Such planning is the key to the longevity of your business, so it’s important that you get it right.
6min read

Securing your child's financial future is a key priority for every parent, and one of the most critical financial planning goals.
7min read

It’s not enough to just get any kind of insurance - you need the right kind of insurance to cover all your needs and give you full protection. Having inadequate protection is known as being ‘under-insured’. This can leave you struggling for money in a contingency, because while you get some compensation, it’s not enough to cover the expenses you may face.
Don’t be under-insured – follow these 8 ways to know if your assets are optimally insured:
4min read

Single women face many challenges in maintaining their financial security - and it can get even harder when they have to provide financial support to their dependent parents.
5min read

The COVID-19 pandemic has had major financial repercussions on households everywhere. According to one survey*, 82% of participants reported having faced financial issues during the pandemic. 84% said they had cut down on their expenses as a result of the pandemic. 
4min read

Risk means uncertainty, and the possibility of an adverse event. In the investment world, it might be defined as the chance of an investment losing its value. It is important to understand the different types of risks so that you can manage them effectively.
3min read

Don’t put all your eggs in one basket, says an old adage. The more options you give yourself, the more you can mitigate the risk of non-achievement by spreading out the risk. Diversification is the process of spreading your investments across different assets, to optimise your chances of strong returns and to mitigate investment risk in your investment portfolio. But how do you go about diversifying your portfolio? Here are seven ways to do it:
5min read

Going to be a parent soon? Congratulations! Having a child will be one of the most consequential events of your life – but with that joy and elation comes responsibility. Your approach to financial planning will undergo a major shift as you plan for a new member in the family. Your horizons will expand as you provide for a growing family and strive to give your child a good start. Here are 6 financial planning tips to guide you as you embark on this journey:
4min read

Save & Invest
Save and invest for your secure future
Studying the historical returns of a market-linked investment gives you an insight into its past performance. This may help you compare schemes and check its consistency and performance during different market phases. There are several metrics to help you assess historical returns, one of which is rolling returns. Here’s what you need to know about them:
4min read

AMFI (Association of Mutual Funds of India) divides listed companies into three categories based on their market capitalisation[1].
7min read

As you explore investment plans, you must have come across a host of abbreviations like SIP, SWP and STP. But what are these different strategies?
6min read

Still wondering whether you should invest in Equity or in Debt? With a hybrid fund, you can invest in both!

5min read

You would have seen this statement a thousand times, in every mutual fund investment advertisement – “Mutual fund investments are subject to market risks, read all scheme-related documents carefully.” The objective is to help investors make informed decisions about each scheme. But what are these “scheme-related documents”?
4min read

Whether you invest in equity stocks, mutual funds, real estate, or insurance plans, every investment is governed by specific rules and regulations set up by authorised governing bodies.
4min read

Listed companies in India are classified by SEBI into three categories, based on their full market capitalisation. The top 100 companies by market capitalisation are “Large-cap”; those ranked 101-250 are “Mid-cap”; and those outside the top 250 are “Small-cap”
4min read

CALCULATE FINANCIAL GOALS

Plan and achieve your goals with the help of these calculators
Goal SIP Calculator
We help you plan for your life goals, with great ease!
Retirement Calculator
Calculate how much you need for a comfortable retirement

PODCAST

In PGIM India podcast series, we bring you insights on money management and personal finance to help you make smart investment decisions

INTERESTING SECTIONS THAT YOU MAY WANT TO EXPLORE

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WANT TO KNOW MORE?
PGIM India Asset Management Private Limited
(CIN - U74900MH2008FTC187029)
Toll Free Number: 1800 266 7446
Email: care@pgimindia.co.in
This is an Investor Education and Awareness Initiative by PGIM India Mutual Fund.
All the Mutual Fund investors have to go through a one-time KYC (Know Your Customers) process. Investor should deal only with the Registered Mutual Funds (RMF). For more info on KYC, RMF and procedure to lodge/redress any complaints, visit https://www.pgimindiamf.com/ieid.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY. Read more
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.
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