Best Tips to Get Lowest Home Loan Interest Rates

The process of buying your own dream home is an important event in everybody’s life. Buying a home not only involves a lot of planning but also comes with a lot of responsibilities.

A home loan is the best way to meet your financial needs and get your own home. It is important to look at monthly EMI and interest rates before availing of a home loan.

Due to the great variety of home loan options and varied interest rates, it is important to follow some essential tips that help you to avail lowest home loan interest rates. Read the complete guide to learn all the tips to get lower home loan interest rates.

  1. CIBIL Score

Credit history and CIBIL score are the most important factor to consider regarding a home loan. CIBIL score is an important factor in determining whether you are eligible to avail of a home loan.

A good CIBIL score increases the chances of borrowers to avail of a higher amount of home loan at lower interest rates and flexible EMI. It is suggested to pay the bills on your credit card regularly and pay the EMI of another loan on time to improve your CIBIL score.

  1. Down payment

It is suggested to save money by making the down payment while getting a home loan. Paying the down payment helps reduce the burden of ROI and EMI since the important part of the repayment amount is already paid.

  1. Debt to income ratio

Mostly, the applicants are not much aware of the debt to income ratio while applying for a home loan. But there is a need to consider this important factor.

Debt to income ratio is a significant factor you should consider while applying for the lowest home loan interest rates. The debt to income ratio is the income ratio compared to the total EMI amount. It is suggested to keep the EMI amount more than the monthly income to make the loan repayment process convenient.

  1. Source of income and stable job

Banks consider the current income and stability of applicants to decide their eligibility for providing a home loan. It is important to have a stable job and steady source of income if you want to become eligible for a home loan.

Applicants with stable jobs and regular income sources improve their chances of getting approval for the lowest home loan interest rates.

  1. Calculate the amount of EMI

Banks provide the home loan EMI calculator on their sites so that the customers evaluate the EMI amount. It will help you to select the EMI option on the loan amount. It will also permit you to plan your expenditures smartly as you know the precise amount you have to pay.

So, it is suggested to calculate the EMI amount on loan value before availing of the home loan.

All the above tips help you to get the lowest home loan interest rates. If you have a good credit history and repayment record, you will definitely get the home loan at a lower interest rate from the lender.

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Evan Rubinson f6s 

Evan Rubinson is a highly accomplished and experienced business leader with a diverse background in finance, investment, and entrepreneurship. He is currently the CEO of three successful companies: ERA Brands, Concordia Investment Partners, and Koroit Capital.

Rubinson has been actively involved in the business world for over a decade. He started his career as a financial analyst at Prometheus Partners and Armadillo Enterprises, where he gained valuable experience in private equity and international sales strategy. In 2014, he became a portfolio manager at a financial services firm, where he honed his skills in managing investments and maximizing returns for clients.

In 2016, Evan Rubinson co-founded Koroit Capital, a private investment firm specializing in real estate and other assets. Under his leadership, the company has grown significantly and established itself as a trusted partner for investors seeking high-quality investment opportunities. In addition to Koroit Capital, Rubinson also co-founded Concordia Investment Partners in 2018, where he serves as CEO. Concordia is a private equity firm that focuses on partnering with growing companies to help them reach their full potential.

In addition to his work at Koroit Capital and Concordia Investment Partners, Evan Rubinson is also the majority owner of Kapok Pavilions, a company that designs and builds luxury residential properties. He has been with the company for over a decade, and has played a key role in its success and growth.

In addition to being a talented musician, Evan Rubinson has extensive experience working as a Chief Executive Officer in the field of musical instruments and accessories. At the age of twenty-five, driven by a lifetime spent immersed in music, Evan was successful as President and CEO of multiple internationally famous music brands, including Luna Guitars, Dean Guitars, and ddrum Percussion. Evan Rubinson subsequently became a co-owner of these three brands. Evan established ERA Music Companies after moving away from the day-to-day administration of the Dean Guitars, Luna Guitars, and ddrum Percussion brands. ERA Music Brands is a conglomerate that manufactures musical instruments as well as accessories for musicians. Evan’s day-to-day responsibilities as a founder, creator of the company’s brand, and Chief Executive Officer cover the gamut from the most trivial, hands-on components of a business to the most sophisticated, high-level, strategic challenges. He is responsible for all of these things.Rubinson received his undergraduate degree in Economics and Public Policy from Duke University in 2014. He has consistently demonstrated a strong aptitude for finance and business, and his track record of success speaks to his exceptional leadership skills and strategic vision.

Evan Rubinson’s philanthropic activities include the Tampa Bay Humane Society, Wounded Warriors, and the Mike Calta Family Foundation.

Overall, Evan Rubinson is a highly respected and successful business leader with a diverse range of experience in the finance and investment industries. He has a proven track record of building and growing successful companies, and is widely regarded as a trusted partner for investors and business partners alike.

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5 Mutual fund myths exposed to help you multiply your money

Investing in mutual funds has emerged as a smart way to build a corpus for different financial goals such as retirement, wedding, children’s education, and home buying to name a few. But there is also a range of false information or myths about mutual funds out there. Such rumours surrounding mutual funds can discourage people from investing in them.

For instance, many investors believe mutual funds are too complicated or risky, creating an unrealistic perception of this investment avenue. However, it’s important to separate facts from myths when it comes to your finances. Here are five of the most believed myths about mutual funds and the actual facts behind them.

Myth 1: Mutual funds are only for experts 

Fact: When you invest in mutual funds, it is the professional fund managers who, based on extensive research and analysis, make all the investment decisions on your behalf. Mutual fund managers have in-depth knowledge of the financial markets and invest the money carefully to help investors get maximum returns. So, even first-time investors with less market knowledge can get started with mutual fund investments.

Myth 2: Mutual funds are ideal for a long-term investment horizon

Fact: Mutual funds can be short-term, medium-term, and long-term depending on your investment objective and financial needs.  You can choose liquid funds and several other debt funds to hold funds for a shorter duration. Similarly, you can choose hybrid funds to get exposure to both equity and debt for medium-term goals. If your goals are at least seven years away, you can opt for equity funds. Thus, based on your risk appetite and financial goals, you can choose different kinds of mutual funds with different investment horizons.

Myth 3: Historical returns guarantee future performance

Fact: Mutual fund performance can be affected by several factors, including market conditions, economic trends, and the fund manager’s investment strategy. Therefore, there’s no guarantee that a fund that has done well in the past will continue to perform well in the future. For this reason, it’s important to track and review your mutual fund investments regularly to ensure they are still performing as per your expectations.

Myth 4: More funds, better diversification

Fact: Holding too many funds can actually lead to less diversification, as many of these funds likely overlap in the companies or industries that they invest in. Mutual funds invest across asset classes such as debt, equity, and money market instruments by default, thereby diversifying risks for investors. So, if you add more funds to your portfolio, the chances of duplication and overlap increase.

Moreover, over-diversification can result in difficulties in computing tax on mutual fund investments, minimal risk-adjusted returns, reduced quality, and loss of high-performing assets. So, it is advisable to invest in four or five funds from different categories and diversify your portfolio appropriately. 

Myth 5: A demat account is necessary to invest in mutual funds

Fact: It is not mandatory to open a demat account to invest in mutual funds. The only requirement is to comply with the KYC formalities. However, it is entirely up to the investors if they want to hold their investments in a demat account or through traditional mode.

Final words

So, there you have it – five common myths about mutual fund investment exposed! Don’t let these misconceptions hold you back from investing in something that could help you to multiply your money and build wealth.

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Paystub not given by employer? What you should do.

A page stub is a breakdown of an employee’s earnings in a pay period. The federal law and some State laws require that employers keep accurate records of hours worked, and wages paid for each employee.

What if you have worked and it’s your payday, but you don’t receive your paystub, not from your manager or not in your work mail? There’s no need to panic.

This article will cover why you haven’t received your paystub, using a check stub maker, why you shouldn’t panic if you haven’t received yours and what you should do.

What is a paystub?

To give a little back story, a Pay stub is a little piece of paper that shows proof of your earnings for a given period. The information on it is essential for budget planning and financial requirements.

Does your employer have to provide paystubs?

Yes. An employer must provide an employee with a statement of earnings at the end of each pay period that shows the base rate of an employee’s wage (e.g., $30 per hour or $300 bi-weekly), total working hours per week, total straight time earnings, any additions or deduction, and overall wages paid period.

Employers who find it difficult can opt for a check stub maker that is fast and automated.

Is it illegal not to get a paystub?

No, it is necessarily not illegal. The Federal law of the Fair Labour Standards Act (FLSA) only requires that employers must keep information on all employees pay for at least three years.

It is only unlawful for employers to show paystubs that they know are false or misleading. You can sue your employer to court if you notice the figures are misleading.

Paystub requirement by state

There is no solid federal law on providing pay stubs, but most states have their own laws requiring employers to provide access to them. The state’s requirement can be divided into five.

  • States with no pay stub requirements: E.g., Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Ohio, South Dakota, Tennessee
  • States that require access to pay stubs: This state requires employers to provide at least some kind of access either electronically or by paper. The employee must be able to easily print the electronic paystub, E.g., Alaska, Nevada, New York, New Jersey, Utah and more. Most US states operate access requirements.
  • Written or printed states: Just like access, employers must give them access to print their information out. E.g., California, Colorado, Texas, Iowa, New Mexico. Washington
  • Opt-out States. Employees have the option to receive their paystubs in paper format regardless of if the employer prefers to give them electronically. E.g. Delaware, Minnesota, and Oregon.
  • Opt-in States. Employees must give consent to their employer that they agree to a paperless system of a paystub. E.g., Hawaii

What should you do if your employer doesn’t give you a paystub.

  • Check in with your employer to see what kind of paystub system the company operates.
  • Check in with your local state to know the legal requirement.
  • If the requirement gives you access, and your employer refuses to give access, then you may have the option to sue your employer to get the information.


As an employer, you should provide your employee with a pay stub. However, it can be challenging to create a paystub manually. You can create one with a check stub maker using realcheckstubs.

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Learn How Can Assured Savings Plan Help in Financing Your Child’s Wedding

Planning for your child’s wedding? It can be a daunting task as you not only have to worry about the big day itself, but you also must take care of the finances. How are you going to afford to make their dream wedding come true? One option is to take out a loan, which can be risky and expensive in the long run.

A better option is to use a savings plan like Kotak Assured Savings Plan to help finance your child’s wedding. This blog post will discuss how an Assured Savings Plan can help you pay for your child’s wedding without breaking the bank!

Let’s get started.

What is the Kotak Assured Savings Plan?

Kotak Assured Savings Plan is an endowment savings plan that offers guaranteed returns against the premium paid at a fixed interest rate for the tenure of the campaign. Alongside, this savings plan also allows for a life insurance cover through its multiple rider selection.

How is Kotak Assured Savings Plan Can Help You With Your Children’s Marriage?

Marriage is a very expensive affair, and with spiralling costs, it is difficult for parents to finance their child’s wedding. But with Kotak Assured Savings Plan, you can save systematically over a period of time to create a corpus for your child’s marriage.

Kotak Assured Savings Plan is a unique product that offers you the twin benefit of life insurance and saving for your child’s future. It helps you to save regularly for your child’s marriage while protecting your family in case of any unforeseen eventuality.

Under this plan, you have the flexibility to choose the policy term as per your requirement. You also have the option to increase or decrease your sum assured at different life stages without any medical tests.

The Kotak Assured Savings Plan offers you a wide range of investment options from which you can choose the one that best suits your needs and risk appetite. You can also switch between funds without any charges.

How Does the Plan Work?

Here are the major steps:

1.     Select your Coverage

You can choose the coverage you need. The policy term is usually 20 years, but you can also select a shorter policy term of 15 years. The sum assured is based on your annual income and the number of years for which you want to pay premiums.

2.     Choose a Plan Among Life, Life Plus or Life Secure

An Assured Savings Plan is an insurance cum savings plan that offers you three different options, depending on your needs. You can choose a life plan, a life plus plan or a secure life plan.

3.     Choose a Payout Option

With an Assured Savings Plan, you can receive lump sum payouts or instalments. If you choose the lump sum option, you will receive the entire maturity benefit at once. However, if you opt for instalments, you can receive a part of the maturity benefit as periodic payments.

4.     Select Premium Paying Mode

Policyholders can choose from various premium paying modes as per their convenience- monthly, quarterly, semi-annually or annually.

5.     Choose Additional Cover

You can top-up your policy with the additional cover, which will help you meet any unexpected costs.

The Bottom Line

Kotak Assured Savings Plan is a great way to finance your child’s wedding. It offers you the peace of mind that comes with knowing you have the funds available when you need them, and it is a great way to save for the future.

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Large-Cap Equity Funds: Fundamentals, Advantages, and More

Large-cap enterprises are an excellent choice if you’re looking for high equity exposure for long-term wealth creation. Continue reading to find out more about this investment vehicle’s advantages.

If you are new to investing in mutual funds and unsure which funds will produce strong returns with minimal risk. A novice investor should start with large-cap mutual funds.

What is a large-cap mutual fund?

A type of mutual fund known as “large-cap” invests mainly in businesses with significant market capitalizations.

Large-cap funds can be a great alternative if you’re considering investing in your first mutual fund. Over time, these funds have proven to be exceptional wealth builders. Market capitalization is referred to as “cap” in large-cap funds. Investors have grown fond of large-cap funds because they have consistently and sustainably generated returns.

Advantages of Investing in large Cap Funds

A stable investment:

These businesses’ development, revenue production, and income are stable because they have strong financial foundations and effective business strategies. Therefore, it is unlikely that large-cap ventures will become insolvent due to current economic conditions. They provide stability to the portfolio because they are unaffected by market movements. Large corporations also distribute dividends, contributing to the investor’s consistent wealth growth.

Capital appreciation:

Large-cap plans’ stock values don’t move much because they invest in blue-chip businesses known for their strong performance and consistent earnings. As a result, they are equipped to provide investors with capital growth over time.

A well-informed investment choice:

Information about large-cap companies’ operations, financial accounts, and profitability are simply because they are well-established and have been operating for years. Investors may quickly analyse the data and determine whether a stock is worthy of investment because of this transparency.

High Liquidity:

Another benefit is the abundance of liquidity that large-cap equities provide. Therefore, it is simple to unwind the entire portfolio in a bad market without impacting prices or incurring a big loss. This may be essential during tumultuous periods. Fund managers can buy and sell large-cap stock as needed to maximize returns.

Taxability of Large-Cap Mutual Funds

They must be taxed similarly to other equity funds. The dividends from large-cap investments were tax-free until 2020 since the fund houses had to pay the dividend distribution tax (DDT) before disbursing the necessary dividends to investors. Investment fund dividends are included in their total income and taxed following their income tax bracket.

The retention period affects how much capital interests provided by equity funds are taxed. You can realize short-term capital gains by selling the fund’s shares within a year of purchase. These profits are taxed at a flat rate of 15% regardless of income tax. Selling equity fund shares after holding them for a year results in long-term capital gains. These profits up to Rs 1 lakh are exempt from taxes. The benefit of indexing is lost when profit exceeds this threshold because it is taxed at a 10% rate.

Factors to Know Before Investing in Large-Cap Mutual Funds

  1. Research the risk of investments

The market-specific risks to which large-cap funds are subject are generally moderate. The Net Asset Value (NAV) variations are negligible compared to small or medium-sized funds.

  1. Never forget to compare the cost ratio

Large-cap investment trusts have charges just like other investment trusts do, so your money is well-managed. The cost ratio of the fund is this. Lower cost ratios offset a larger net income.

  1. Take the time invested into the account

Large-cap funds are excellent for those looking to invest for the medium to long term. To evaluate the future return of the offer, investors in these funds must have held their positions for at least three to five years.

  1. Recognize your investment objectives

Make sure the objectives of your fund align with your objectives. To learn more about fund performance, you should be aware of the fund manager’s background and management philosophy.


To give every portfolio the much-needed lift, large caps should be included. Why wait any longer to invest now that you are more aware of what a large-cap fund is, how it operates, and the advantages it offers? However, research factors like the expense ratio, the performance history of the funds, the standing of the fund house and management before investing, etc.

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Bank Option Chain: The Future of Investment


Bank option chains are a growing trend in the investment world and they’re here to stay. With the right planning, you can set up a powerful option chain that will help you grow your business while minimizing risk.

What is a Bank Option Chain.

A Bank nifty Option Chain is a type of investment where banks provide investment opportunities in different asset classes. These classes may include stocks, bonds, real estate, and other securities. Banks can offer different levels of exposure to these investments, which can lead to increased returns on investment over time.

What are the Benefits of Bank Option Chains

The benefits of bank option chains can include increased profits due to the portfolio discipline that they require, as well as increased liquidity thanks to the variety of assets that are available for investment. Additionally, banks can use option chains to reduce their exposure to riskier investments and increase their return on capital.

How to Get Started in the Bank Option Chain

To get started in a Nifty Option Chain, you first need to find a bank that offers an options desk and sign up for an account with them. You then need to invest in one or more securities products using an options desk at your bank. Finally, you need to track your results and make changes as needed to improve your returns.

The Future of Investment.

The future of investment is still in question, but there are a few things we can already see happening. Companies like Google and Amazon are moving quickly to develop new technologies that will change the way we work and live. These companies are also looking to invest in other industries, such as health care and renewable energy.

What will the Future of Investment Be

There are many different ways that technology can change the future of investment. We can expect to see more online payments, more automations that help firms automate their processes, and even more deals between businesses and governments that will help reduce costs.

What will the Future of Investment Be

Some of the benefits of investing in the future of investment include:

– Reduced financial risks: As technology advances, it becomes easier for firms to save money by implementing automation or relying on other investments like data science and artificial intelligence to make decisions.

– Increased productivity: With better information available, people can make better decisions faster than ever before. This leads to increased economic efficiency and growth.

– More sustainable practices: By investing in green technologies or sustainable practices, investors can help reduce environmental impacts on both present and future generations.

Tips for Successful Investment in the Future of Investment.

When it comes to investing, having a long-term strategy is key. That’s why it’s important to have a plan in place for when the economy Slowdowns or crashes. To do this, you need to diversify your investments and stay up-to-date on financial news. Additionally, you need to be prepared for volatility – which could mean big changes in your investment portfolio in the next few years.

Diversify Your Investments

Another key factor in successful investment is diversifying your money. By investing in different types of assets, you can protect yourself from common market risks and ensure that your money stays safe over time. For example, if you want to invest in stocks, but don’t want to risk losing all your money in one go – you should invest into a diverse range of stocks so that your portfolio doesn’t get too concentrated).

Stay Up-to-Date on Financial News

Keeping up with financial news is also essential for keeping track of how your investments are doing and being able to make informed decisions about where to allocate your resources next (and future). By following up with our financial advisors regularly, you can ensure that all of your transactions are recorded and reported accurately – so that you can make informed decisions about what investments to make).

Be Prepared for Volatility

Finally, always remember: anything can happen during an economic slowdown or crash – so be ready for the unexpected! by planning ahead and staying organized, you can reduce the chance of experiencing any negative consequences while on vacation (or even at work!).


The future of investment is uncertain, but there are some factors that can help you prosper in the market. Diversify your investments and stay up-to-date on financial news to ensure a successful investment in the future. Be prepared for volatility by having a long-term investment strategy and being able to roller coaster your money through different markets. Thanks for reading!

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How Invoice Factoring Can Help Your Business Grow

Small companies often need help to manage their cash flow because they can’t invest huge capital. Invoice Factoring is an ideal form of financial solution for small businesses or start-ups. This article will help you understand the details of Invoice Factoring and how it will help your industry.

How Is Invoice Factoring?

A company sells its unpaid invoice to a factoring company or accounts receivables factoring. Who, in exchange, offers you a percentage of money from the invoice value? For payment in a B2B business, the waiting period to get money from the customer is 30-60 days or even 90 days. Invoice Factoring helps you skip the waiting period and continue your business without a financial crisis.

Business factoring companies offer 60 to 80 per cent of the invoice amount; after completing the order, the company pays the rest money deducting the charge fee. They change a minimal amount as a charge fee, and no hidden cost exists. Additionally, you can record the transaction as an end-of-year tax deduction.

Specific Requirements Of Invoice Factoring

Invoice factoring has some requirements before applying for Commercial Financing. Here are some standard conditions considered before the agreement:

·       Good Credit History

Bad credit means a high risk to the business factoring companies, so if you have good credit, it’s easy to get loans.


·       Good Profit Margin

You must have a 10 per cent profit margin in your company. If you have less than that, after deducting the charge by the Invoice factoring company, you will end up with a loss.

·       No Claim On The Invoice

Some companies pledge their Invoice as collateral to banks or other financial companies for taking a loan. In such cases, financial companies can place a lien on your assets. So you won’t qualify for factoring services.

·       Good Level Of Revenue

Factoring companies check a certain level of revenue of that company before paying the money. This level of revenue varies from company to company. So check the Invoice factoring service requirement before you consider their service. It is hard to show thousand dollars as revenue for a small business.

Different Ways Invoice Factoring Can Benefit Your Business

The concept of factoring varies from industry to industry based on the cost of factoring services. Some specialised factoring services are Medical factoring, Trucking, oilfield, Manufacturing, Staffing, Commercial Real Estate Loans etc. Here are a few benefits of invoice factoring:-

·       Get Your Fund Quickly

Once everything goes well in your agreement process, you’ll get your money quickly. Maximum it will take a week from the date of the agreement. If a company faces server financial crisis, the factoring service supports them to solve the problem and pay your money in 24 hours.

·       Maintain Better Credit Control

Start-up companies who struggle to maintain a good credit score consider Invoice factoring services to improve the score. But the fact is, it does not change the score.

Invoice factoring is profitable because it stabilises the cash flow. It is a convenient way to stay ahead of the bill payment and deliver your item timely.


·       Use The Money For Any Business Purpose.

Traditional loans restrict the usage of money, like the loan amount available to buy company-related products. In contrast, Invoice factoring allows you to invest in any purpose.

·       Free From Collections Efforts

After the business factoring agreement, the factoring company becomes liable for collecting your unpaid invoice. So you can relax if you don’t get timely payment from the company. You can devote more time to your business development than collecting money from customers who constantly pay late fees.

·       Reduce Risk Of Bad Debt

Generally, small businesses don’t consider invoicing factoring. But your bank will never approve a loan without any credit check or proper company documentation. In comparison, Invoice factoring services will provide you with a short-term loan for your invoice as collateral. Moreover, they will check the creditworthiness of your client for you; this way, you will get payment assurance from them.

·       Invoice Factoring Is Affordable

Invoice factoring companies are affordable, and there is no hidden charge for the fund. Moreover, factoring services deliver good ROI as you can invest the cash for meaningful purposes.

Wrap Up

No matter which industries you belong to or the size of your company, invoice factoring is the best solution for Commercial Financing. Now you are well informed to decide whether or not it is helpful for your business. Invoice factoring will meet all your needs to grow the business model.

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Where To Invest Lump-Sum Amount For Short Period

The act of investing comes with different factors such as different modes of investment and investment. An investment horizon can be defined as tenure for which you can keep investing. Investment horizons can be classified into long-term and short-term. Long-term investments are carried out for purposes such as purchasing a house or saving for retirement. Generally, long-term investments are investments that are carried out for more than a decade. Short-term investments, on the other hand, are investments in mutual funds or any other investment schemes for two or three years.

Now that you know what investment horizons are, let’s look at the two investment modes, shall we? In case you are thinking of opting for mutual funds, you will need to choose one of the two investment moods. Those two modes are systematic investment plans or SIPs and lump-sum investments. Under SIPs, you can pay for your mutual fund’s investment in instalments. Lump-sum investment on the other hand function differently.

What are lump-sum investments?

As stated earlier, lump-sum investments are known for functioning differently than SIPs. Under this investment mode, you are required to pay for the mutual fund investment in one go instead. This is very different from SIP as under that mode, you can pay in regular instalments. Irrespective of the cost that’s required for investment, you are required to pay all of it at once. Hence, it is important that before opting for this mode of investment, you should make sure that you can access the required investment amount easily. In case you can’t access it, you need to hassle to make arrangements for the payment.

Are there any features associated with lump-sum investments?

  • In place of paying in regular instalments, a lumpsum can be defined as an amount of money that’s paid all at once.
  • To complete a lump-sum investment, all that’s required of you is to check that you have the entire money at your disposal.
  • Other than access to the required amount of investment, it is also recommended that you should have higher risk tolerance.

What are the best short-term investment options for lump-sum investment?

Listed below are the ideal short-term investment options if you have chosen the lump-sum investment mode:

  • Recurring deposits:

A Recurring Deposit also referred to as RD, can be defined as a unique term deposit account that’s offered by Indian Banks. RD is known for being an investment tool that allows account holders to make regular deposits and then earn decent returns on the investment.  Because of the regular deposit factor and an interest component, RDs are often known for providing flexibility and ease of investment to the account holders.

  • Savings account:

Another place you can park a windfall lump-sum amount is your savings account, where your salary is credited every month. Saving accounts are known for being liquid, as you can access these funds at very short notice. However, it is also important to note that the rate of interest earned on these funds is not that high. Savings accounts are a great investment avenue if you are concerned about factors such as liquidity and safety.

  • Short-term debt funds:

These are the types of debt funds that are known for investing in debt instruments that have a residual maturity ranging from 6 months to 1 year. By the name, they intended for very short-term debt investors. A reason to consider them is that the returns on a debt fund will be higher in comparison to FDs.

  • Money market funds:

Money market funds are known for typically investing in short-term government instruments such as call money market, treasury bills, commercial paper, bank CDs and many more, that come with a maturity of 3 months to 1 year. These funds are also known for being free of default risks. Also, the interest rate risks are known for being minimal.

Based on the information above, you don’t need to worry about issues like where and how much to invest. Also, in case you don’t have access to funds, you can opt for the other investment mode which is SIP

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The Pros and Cons of using Trading App 

With the innovative approach, we are presently seeing internet-based stages building up momentum in the realm of money. Web-based interfaces and internet exchanging applications have boundlessly expanded openness to the financial exchange. Another portable exchanging application is presented consistently, and many new financial backers and dealers have entered the market. Individuals can now begin exchanging on their cell phones, increasing institutional and retail clients. Because of offering market applications, the stock exchange is readily available with easy-to-use interfaces and 24×7 trading with ITC share price. In any case, the progress from work area terminals or other exchanging frameworks to exchanging portable financial planning applications in a hurry has not been immaculate. Peruse on to learn about mobile trading apps’ critical advantages and constraints.

Key Benefits of Mobile Trading Apps:

Usability: Orders can be put rapidly and easily on portable exchanging applications. The convenience is a lot more prominent in contrast with work area terminals.

Live portfolio survey and market refreshes: Using a versatile exchanging application, you can see market information like offers, items, stock records, and so forth in a hurry consistently. You can likewise monitor your portfolio, its hidden resources, and its execution up until this point.

Notice highlight: One of the triumphant elements of offer market applications is the notice include. Regardless of where you are, the application will send you cautions to advise you about the most recent occasions in your portfolio and specialist suggestions using ITC share price.

Related news refreshes: Users can likewise follow live updates on improvements connected with a specific stock or fragment on internet exchanging applications.

Research reports: Trading applications likewise offer understanding from specialists or business firms as forward-thinking research reports with the help of ITC share price.

Investigation and graphs: One of the most valuable exchanging application highlights is the authentic diagrams and examination office that permits you to take a gander at past lists, information, and stock costs and gives insightful instruments to something very similar.

Key limits of Mobile Trading Apps

1). Restricted admittance: Several versatile applications have confined admittance to the market, which can introduce obstacles like restricted accessibility of global stock files information, cash, or subsidiary items.

2). More modest screen show: The screen size can be very severely arranged for clients. This significantly restricts how much information can be introduced on the screen, and clients might miss specific subtleties. In any case, more giant screens on cell phones, for example, tablets, are helping battle this issue.

3). Network: Mobile availability, while boundless, doesn’t have absolute inclusion in India. In far-off districts, network aggravations are every day, which might prompt misfortunes during request positions with ITC share price.

4). More slow-paced: While excellent quality cell phones might have incredible handling speeds, spending plan gadgets ordinarily can’t stay aware of them. This can prompt specialized issues and can cause interruptions or deferrals while putting in a request using the ITC share price.


Nowadays, practically every financier firm offers its own web-based exchanging application. The development of portable applications is inevitable and relentless. Some applications are, in any event, endeavoring artificial brainpower coordination, and different new highlights are being added to the such trading app.

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