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  While equity mutual funds invest in public listed companies, debt funds invest in fixed-income securities of government and companies. These include corporate bonds, government securities, treasury bills, money market instruments and various other types of debt securities. Like a stock, investing in a company's equity is like buying a stake for the growth of that company. But when you buy debt fund, you give loan to the issuing entity. Government and private companies issue bills and bonds to get loans to run their various programs. The interest you receive from these debt securities is determined in advance and its maturity period. Therefore they are called 'fix income' security because in this you know what you are going to get. Like equity funds, debt funds also raise good profits by investing in different securities. Debt funds offer good returns, but there is no guarantee of returns. Nevertheless, returns in debt funds can be estimated, which makes them safe for the ...

  The road to financial independence begins with developing healthy habits. Millennials can take charge of their money with just a few simple steps.   Do You Know Your Goals? Knowing exactly why you’re tackling your finances is key to your success. Setting both short-term and long-term goals presents a clear picture of how you envision your future. A short-term goal could be setting up your emergency fund — which helps protect you should any unexpected costs occur. Your long-term goals would fall along the lines of milestones like a down payment on a house, or your retirement. Having your goals clearly laid out will help you make concrete plans as well as see them through.   There's an App for That Your phone already holds so much of your information, so why not include your finances?  Budgeting apps  are one of the easiest ways to take an overwhelming situation and make it simple. The best apps offer a convenient and reliable tool for young professionals in any...

Tax is a difficult subject to grasp, especially if you're not well-versed on all things tax-related. To enlighten you a bit about income tax rates or personal allowances, we've come with the most layman discussion possible. If you are seeking a specific explanation of income tax rates and personal allowances in the UK, you can always contact a regulated tax expert. Ready? Read on. Income Tax rates Once your personal earnings exceed your personal allowance, the excess becomes taxable. To  compute your taxable income , subtract your personal allowance and your allowable deductions from your gross income. Your gross income is the sum of your income from all sources, such as your rental income or your income from your investments. On the other hand, your allowable deductions are your contributions, for example, to a pension scheme. Income tax rates are calculated depending on your taxable income. Tax bands since 2017 are slightly different in Scotland compared to the rest of the Eu...

Personal Loan is an unsecured mortgage for non-public use which doesn’t require any safety or collateral and may be availed for any cause, be it a marriage expenditure, a holiday or purchasing purchaser durables. A non-public loan is very reachable & caters to all your wishes. The amount of mortgage can be ranged from Rs. 50,000 – Rs. 30 lakh & the tenure for repaying the loan varies from 1 to 5 years.   Advantages of private loan   A loan with out protection : A Personal Loan isn’t a secured loan (bank doesn’t ask for any security or collateral) as towards a secured loan in which one is required to pledge a residence or different protection to acquire a mortgage. Easy documentation : A Personal mortgage can be accessed with minimal paperwork or documentation & doesn’t take tons time you acquire as towards a secured loan. No specification approximately the cease use of the loan quantity : You aren’t required to reveal the stop use of the money borrow...

A lot of trading psychology has been learnt through meticulous research and study, by people such as Amos Tversky and Daniel Kahneman and more recently, by Brad O’Dean. If we skim the cream off the top of their studies we find that investors and traders routinely avoid selling losers to avoid feelings of regret and WHEN they do this so that they often end up causing themselves greater financial harm and psychological distress. Ergo, here we are looking at the CTD chart in July 2020 (CTD is listed on the ASX). It’s been on a downtrend for two years falling from $33 to $12 today. All the research tells us that if we were a buyer at $30 and are still holder today, we are doing so for several reasons. Either we are being duped into holding on by someone else, such as a financial advisor or, more likely by our internal psychology. We avoid selling now because: We cannot face taking the financial hit to our account. Because we cannot face up to the fact that we are wrong. We bought at the to...

  When it comes to a soothing experience, nothing can beat the magic of a soak in a swimming pool. It is a great way to have a quality time with friends and family. A well-designed swimming pool can up the fun quotient in any location. If you plan to get one installed outside your home, or need one for a corporate establishment, choose companies that cater to anything to do with swimming pools. Whatever service you need regarding swmming pools, quality companies can deliver. Whether you want a new pool designed Gartenpools and installed or plan to makeover an existing one, experienced companies have the appropriate resources. Extensive experience in designing, installing, refurbishing and maintenance services makes these companies a one-stop shop for swimming pools.   When you find companies that have been offering services for swimming pools for decades, you know you have come to the right place. These companies are backed by efficient teams and expert resources that can...

  When it comes to a soothing experience, nothing can beat the magic of a soak in a swimming pool. It is a great way to have a quality time with friends and family. A well-designed swimming pool can up the fun quotient in any location. If you plan to get one installed outside your home, or need one for a corporate establishment, choose companies that cater to anything to do with swimming pools. Whatever service you need regarding swmming pools, quality companies can deliver. Whether you want a new pool designed and installed or plan to makeover an existing one, experienced companies have the appropriate resources. Extensive experience in designing, installing, refurbishing and maintenance services makes these companies a one-stop shop for swimming pools.   When you find companies that have been offering services for swimming pools for decades, you know you have come to the right place. These companies are backed by efficient teams and expert resources that can cater to all...