Entries for date "2025"

Equity and debt mutual funds are two of the most popular investment choices in India, but they differ widely in risk, returns, and suitability. Equity funds invest in company stocks, offering higher long-term growth potential with higher volatility—ideal for wealth creation goals. Debt funds invest in bonds and fixed-income instruments, providing lower but stable returns with reduced risk—suited for short- to medium-term needs. The best choice depends on an investor’s time horizon, goals, and risk tolerance. A balanced mix of both can provide growth and stability in a portfolio.

Did you know that only 3% of people invest in mutual funds? Also, out of these investors, some investors always seem to earn great returns, while some don't seem to break even. The answer lies in the investment decision taken. When it comes to striking the gold, every decision matters. Whether buying a stock or investing in a new real estate option, a single decision can be the reason …

Gratuity is a statutory retirement benefit given by employers as a token of appreciation for long-term service. While government employees enjoy full tax exemption on gratuity, private sector employees can claim exemption up to ₹20 lakhs under Section 10(10) of the Income Tax Act. The taxable portion depends on whether the organisation is covered under the Payment of Gratuity Act, 1972, the employee’s salary, and years of service. Proper understanding of gratuity rules and limits can help in financial planning, especially for retirement.

Do you often think, “I wish I had started earlier” regarding your finances? You’re not alone! At FinAtoZ, we prioritize your financial clarity with timely advice that makes a difference. Let’s tackle the clutter together and pave the way for a brighter financial future.

Life insurance is a non-negotiable necessity for securing a family's future. But with so many types of insurance plans in the market, how can you choose the best one? Moreover, not all insurance plans are built in the same way. One of the most debated questions is ULIP vs term insurance. The best choice between the two eventually depends on your financial goals, risk capabilities, and how you plan to …