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Attention, Indian dads! Looking to crack the code of financial wizardry and secure your family's future? We've got your back! Buckle up for some investment tips for dads that can help them take care of different costs stress-free. Let's dive in!  1. Know the Power of Smart Investments  a. Investing with a Purpose  Fellow dads, it's time to unleash the financial superhero within you! By channeling your innate wisdom and a touch of strategic planning, you can make your hard-earned money work wonders. Start by defining your investment goals – whether it's saving for your child's education, a dream family vacation, or simply building a safety net. With a purpose in mind, you'll find the motivation to make those investments count.  b. Educate Yourself  No cape or mask is required, but a bit of financial literacy goes a long way! Dive into the sea of investment knowledge and equip yourself with the necessary tools. Understand different asset classes like stocks, bonds, mutual funds, and real estate. Follow the latest economic information and trends in the market. You'll make more informed choices based on what you know. 2. The Marvels of Risk and Diversification  a. Risk vs. Reward  Like any other parents, fathers have to juggle work, family, budgeting, savings, and even investments! Embrace the concept of risk, but don't let it run rampant. Assess your risk tolerance and align it with your investment horizon. Consider a mix of low-risk and high-risk assets to strike the right balance between security and growth. Remember, the bigger the risk, the sweeter the victory (but also the potential for defeat).   b. Diversification is Your Superpower   Avoid the trap of investing everything in a single asset. Spread your investment goals in different investment wings and diversify across various sectors, industries, and geographies. This way, if one investment takes a temporary hit, others might come to the rescue. Diversification acts as a financial safety net, protecting you from unexpected market movements and ensuring a more stable investment journey.  Investment Tips for Moms in India Read More 3. Think of your Retirement   a. Start Investing Early  Time is our greatest ally, dear dads! The earlier we start investing, the greater the advantage of compounding returns. Even if it means saving money by sacrificing a few cups of coffee or skipping that extra slice of pizza, it's worth it. Every rupee invested today can transform into a financial superhero for your golden years.   b. Retirement Planning  Research investment tips for beginners first. Retirement might seem light-years away, but it sneaks up on us faster than you can say "pension." Establish a solid retirement plan with a mix of retirement accounts, such as the National Pension System (NPS), Employee Provident Fund (EPF), or Public Provident Fund (PPF). Factor in inflation, your lifestyle goals, and any additional sources of income. A little foresight can ensure your retirement is filled with relaxation and not just worry.  4. Battle Against Fees and Expenses  a. Minimizing Investment Costs  As a dad, you know the value of a penny saved. When it comes to investing, keep an eye on fees and expenses that can eat into your returns. Compare expense ratios of mutual funds, consider low-cost index funds, and explore commission-free investment platforms. By minimizing costs, you can maximize the growth potential of your investments.  b. Tax-Efficient Investing  Tax season can be a real villain, but fear not! Discover tax-efficient investment strategies like investing in tax-saving instruments such as Equity-Linked Saving Schemes (ELSS) or utilizing tax deductions available under Section 80C of the Income Tax Act. Plan your investments strategically to optimize tax benefits and keep more of your hard-earned money in your pocket. 5. Professional Assistance  a. Financial Planner  Even superheroes need guidance, and that's where a financial advisor comes in. Consider seeking professional help to craft a tailored investment plan that aligns with your goals, risk profile, and time horizon. A financial planner can provide insights, track progress, and offer valuable advice, ensuring you're on the right path to financial success.   b. DIY Investing  If you prefer a hands-on approach, embrace the DIY investing route. Arm yourself with reliable investment research, online tools, and trading platforms. However, exercise caution and ensure you thoroughly understand the risks and potential rewards of each investment decision. With a bit of research and discipline, you can unlock your inner investing superhero. 6. Discipline and Patience  a. Consistency is key  Investing is a marathon, not a sprint. Stay committed to your investment plan, even during market ups and downs. Avoid knee-jerk reactions and emotional decision-making. Maintain a long-term perspective and trust in the power of compounding. Remember, it's the steady and disciplined approach that wins the financial race.   b. Time is your Ally  Patience is the ultimate virtue in investing. Avoid getting swayed by short-term market fluctuations and focus on your long-term goals. Allow the investments enough time to develop and expand. Remember, even superheroes need time to develop their powers. Trust in the process, stay patient and watch your investments soar.   Take calculated risks, stay informed, diversify your investments and plan. With the right mindset and a dash of financial savvy, you'll be equipped with invaluable investment tips for dad. 

Education is the most valuable investment. This is why millions of Indian parents aspire to send their children abroad for foreign education. Countries like the United States and the United Kingdom offer academic excellence and better infrastructure. But with the increase in tuition costs, sending your child abroad is tougher. 5 ways to financially prepare yourself to send your child abroad. 1. Start early with long-term financial goals   The first rule of saving is to start early. Examine your spending habits and eliminate unnecessary costs. Set aside a certain amount of funds on a monthly basis for your child's education. Saving and making investments early in life increases your chances of reducing your ability to procure loans and minimizing the effect on future cash flows.  Early Savings Help in Child's Future Read More 2. Estimate present and future cost  When calculating and budgeting, it is recommended to anticipate rising prices. The more funds you save now, you are in a better position to use them for your future needs. This gloomy outlook will ultimately allow you to improve your probability of establishing a prospective foundation that outweighs actual expenditures.  3. Consider inflation and currency exchange  While planning to send children overseas for higher studies, it is required to consider the country's inflation rate as well as the currency's potential depreciation fluctuations. Investigations and knowledge of historical inflation and depreciation trends will help calculate the additional amount required to manage education overseas. For instance, the falling rupee has directly affected the budgets of hundreds of Indians studying in the USA today and increased their cost of living and parents who wish to send their children in the future.   Why save 10 years in advance for Child's College? Read More 4. Find the best investment opportunities  Investigate medium- and long-term investment possibilities in which you may begin investing as soon as feasible. Determine your risk tolerance and investing capacity, and then invest accordingly. A well-diversified technique with an optimistic approach will allow you to develop a progressive investing strategy.  5. Speak with an investment advisor  Don’t shy away from consulting with an expert, if you are concerned and underequipped with your framework agreement. Investment advisers and foreign education professionals can assist you in analyzing your possibilities and establishing a more comprehensive and attainable approach.  source: pixabay What makes foreign education more expensive?  Without a doubt, the expense of studying overseas is more than the cost of education in India. The amount varies depending on the university, country, course, and length of the program. As a result, it is critical to choose universities that are within your financial means. The currency exchange rate and higher cost of living make foreign education expensive. Let’s look at more factors contributing to this cost!   1. Tuition Fees  Tuition fees are the largest mandatory expense. Depending on the course and location of study, it can vary. Master's degrees are more expensive per year than bachelor's programs.   Courses like Criminal Justice, Philosophy, English, and Mathematics are considered the most affordable subjects in terms of tuition fees. Courses like Health Sciences, Physical Sciences, Business & Nursing are considered the most expensive subjects in terms of tuition fees.   Tuition fees may be standardized or depend on the selected course. The report of probable tuition fees across the world's favorite destinations is as follows. 2. Academic Supplies  Another expense to prepare for is Academic resources, which range from textbooks and stationery items to computers and art tools. The report on average educational supplies costs worldwide are as follows: 3. Rent and Utilities Accommodation is usually the second-largest expenditure for overseas students after tuition. Students can rent accommodation in small towns closer to their universities to save on costs. The report on monthly rent cost country-wise is as follows: 4. Shopping and groceries  To cut down on costs, students can buy products that are at maximum discounts. Rather than purchasing big brands, students can buy cheaper brands that are more valuable. Students can plan to cook in batches and freeze the cooked meal for consumption. The report on country-wise monthly grocery costs is as follows: There are various other costs associated with being educated abroad. These costs include visa costs, insurance, and university commuting expenses. To manage all these examples, one must be financially prepared before sending your child for education abroad.   Higher education abroad is an enriching journey with several advantages; it can be affordable if you start saving consistently. These 5 ways can help you financially prepare yourself to send your child abroad and help them achieve their dreams stress-free! FAQs How do I plan for my child’s education abroad?   The first rule of saving is to start early. Examine your spending habits and eliminate unnecessary costs. Set aside a certain amount of funds on a monthly basis for your child’s education.   Saving and making investments early in life increases your chances of reducing your ability to procure loans and minimizing the effect on future cash flows.   Why do you want to send your child abroad?   Studying abroad has many benefits. The quality of education is outstanding in foreign universities. These universities also give students an opportunity to gain practical knowledge while studying. Leading companies are attracted to students graduating from top universities abroad. The experience of studying in a different country offers students a different perspective and boosts confidence.   How much money is required for foreign education?   International education is expensive. Parents need to start saving early to support their child’s education dreams abroad. A few tips to stay prepared for your child’s foreign education include:   Start early with long-term financial goals   Estimate present and future cost   Consider inflation and currency exchange   Find the best investment opportunities   Consult a financial expert   What are the benefits of children studying abroad?   Studying abroad has several benefits. It gives students global exposure and allows them to interact with people from different cultures. It also provides students an opportunity to be involved in research and development, which may be difficult to find in India.   Consult an expert advisor to get the right plan for you  TALK TO AN EXPERT

Are you looking to diversify your portfolio? Gain some international exposure to give your investments a global boost. Then this article is for you! Diversification is the foundation of any good portfolio. Diversification provides a cushion to unforeseen volatilities from the future.   In today's integrated world, getting hold of foreign stocks, bonds, and mutual funds has become much easier. New-age investors can now have a balance of domestic and international securities in a portfolio.   An international portfolio is a collection of stocks and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.   Buying an exchange-traded fund (ETF) that focuses on foreign equities is the most cost-effective approach for investors to own an international portfolio.  Let's now look at some of the advantages and disadvantages of having international exposure in the portfolio.   Advantages of International Exposure Reduced risk It is possible to lessen investment risk by having an international portfolio. Gains in the investor's global holdings help increase profits if domestic stocks underperform.   Risk can be further lowered by diversifying the international portfolio with stocks from developed and emerging markets.  Varied currency exposure When investors purchase stocks for a global portfolio, they also buy currencies in which stocks are denominated.  As a result, currency fluctuations might help the investor offset losses or raise gains depending on the currency movements. It does, however, come with its own set of dangers.  Market cycle An investor with a global portfolio can take advantage of several countries' market cycles.  Accessing the entire supply chain International investing provides opportunities across industries as well as up and down the value chain often missed in domestic portfolios.   Manufacturing, services, and technology are all tiers in the supply chain. These companies benefit the most from the multiple stages of the global supply chain.  Innovation Beyond the home market, there is world-class innovation in industrial automation, payments, and renewable energy.  Source: freepik Disadvantages of International Exposure Political and economic risk Many emerging countries lack the same political and economic stability as industrialized economies. Instability can drive already invested or budding investors away from the market.   Enlarged transaction costs When buying and selling international equities, investors often pay higher commissions and brokerage fees, lowering their overall returns.   Taxes, stamp charges, levies, and exchange fees may be required, further diluting gains. Many of these fees can be eliminated or reduced using ETFs or index funds to get exposure to a foreign portfolio.  Regarding assets, two ETFs stand out above the rest for individuals seeking broad exposure to international markets. With $110.3 billion in assets under management, the Vanguard FTSE Developed Markets ETF (VEA) is the largest.   The iShares Core MSCI EAFE ETF (IEFA), benchmarked to an MSCI index rather than an FTSE Russell-managed index, has amassed $104.34 billion in assets. These ETFs are best placed only to get the investor an upper edge over the developed markets.   The most significant distinction between the two funds is the nations they provide exposure to. South Korea is a developed market in the FTSE index tracked by VEA, accounting for approximately 5% of the fund.   South Korea is not included in the IEFA's MSCI index because it is listed as an emerging market by MSCI. Canada is also not included in IEFA because the fund ignores North America, even though it is VEA's third most significant country exposure.  ETFs like the iShares Core MSCI Total International Stock ETF (IXUS) and the Vanguard FTSE All-World ex-US ETF (VEU) contain both developed and exposure for those who want their international exposure to include emerging markets.   IXUS currently has around 12.5 percent of its portfolio invested in developing market companies, while VEU has 13.1 percent. It is a bit riskier than the developed markets due to the very structure of the emerging economies, which inculcates volatility in the business environment.  Over the last decade, investors have done well while investing in the United States. This is particularly true when comparing U.S. equities returns against international equity returns.   However, trends change, and given the challenges in the United States and the opportunities that may exist elsewhere, investors may be more open to channeling funds outside of the United States to more countries for international exposure.   However, international exposure may win or lose, and investors should do their due diligence before investing. FAQs Should I have international stock exposure? Diversification is the foundation of any good portfolio. Diversification provides a cushion to unforeseen volatilities from the future. An international portfolio is a collection of stocks, and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.  Are international stocks riskier? Many emerging countries lack the same political and economic stability as industrialized economies. Instability can drive already invested or budding investors away from the market. What is the advantage of investing internationally? Investing in international stocks has many advantages. A few of the benefits include:   It is possible to lessen investment risk by having an international portfolio. Gains in the investor’s global holdings help increase profits if domestic stocks underperform.    When investors purchase stocks for a global portfolio, they also buy currencies in which stocks are denominated. As a result, currency fluctuations might help the investor offset losses or raise gains depending on the currency movements. It does, however, come with its own set of dangers.   An investor with a global portfolio can take advantage of several countries’ market cycles.   Beyond the home market, there is world-class innovation in industrial automation, payments, and renewable energy.  Are international mutual funds a good investment?   An international portfolio is a collection of stocks, and other assets focused on global markets rather than home markets. An international portfolio, if well-designed, provides exposure to emerging and developed economies and diversification.    Buying an exchange-traded fund (ETF) that focuses on foreign equities is the most cost-effective approach for investors to own an international portfolio.  TALK TO AN EXPERT

If you like 62% of Indian parents want their children to go abroad for higher education then reading this checklist to send your child to study abroad, is a must! Let's delve right into the checklist that will help your child achieve their dreams! Checklist for sending your child to study abroad to make life simpler 1. Understand your child’s career goals!  Knowing what your child wants to study and where they want to pursue their dream career can help you plan wisely. Talk to your children, and try and understand what courses they are interested in. If your child is confused, you can always approach an education counselor. Research the course they want to take and try to understand its scope in the market.    2. Choose the right education system  Choosing a proper education system holds paramount importance for your child’s career. When the education system is relevant enough, it gets easier to understand the career prospects of the respective course. Choose a country whose education system aligns with your child’s needs and requirements. For instance, the best country for STEM courses is the USA, and if your child is interested in pursuing this path and saving for higher education in the USA can help fast-track their careers! Thus, conduct proper research to consider ROI, curriculum, research, facilities, etc.   Financial planning for studying abroad Read More 3. Career counseling helps If you find planning and strategizing your child’s education challenging, you can refer to a career counselor for expert advice. For instance, if you and your child are confused about which is the better country or university for studying psychology, you can approach a career counselor who can guide you better.   4. Shortlist the countries and universities   If you know your child has an interest in studying finance, then it's time to shortlist the best countries and universities that have the infrastructure to build a good career. This step helps you understand the cost involved, and the future career pathway as well as gives you the chance to study indices like lifestyle, cost of living, job opportunities, etc.  Source: pixabay 5. Future fees and accommodation cost  Tuition fees and accommodation are the two biggest recurring expenses. It’s important to budget well and save for these expenses. Tuition fees can be very costly, but your child can save up on them by applying for scholarships, getting grants, or fellowships. In terms of accommodation, it’s cheaper to live on campus than in off-campus facilities. It also saves money to share your living space than renting it alone. Your budget should also include food, travel, health coverage, etc.  Miscellaneous expenditures can dismantle your financial planning, so keep some extra money.  How to build a strong support network while studying abroad? Read More 6. Consider the cost of entrance exams  Once you have chosen the correct country and institution, read and understand the entrance pathway. Certain universities require students to sit for entrance exams like IELTS, GMAT, TOEFL, GRE, etc. Make sure your child prepares in advance for it. There are application fees for taking these exams that can be expensive so keep the cost in mind while creating a plan of action.  7. Build a plan of action  Once you know where you want to send your child to study, it’s time to start planning for the expenses! Get to know the details of the countries and the best institutions. From the application fees of every university to the cost of entrance exams, tuition fees, accommodation visa costs, and flights, there is a list of expenses that you need to take into account before your child even leaves for university.    Cost of studying abroad vs Cost of studying in the home country Read More 8. Visa process  Visa is the last step in the admission process! Once your child has her/his acceptance letter that’s when the visa process begins. Student visa application can be hefty so it’s important to consider the cost and prepare for it in advance. To apply for a visa, your child must own a passport valid for at least six months from the date of application. You must visit the office with your documents, passport-size pictures, and a duly filled form.   9. Consider their safety  Safety is yet another significant concern of all parents. From finding them safe and secure accommodations to giving them an emergency fund. As parents, your desire to ensure your child’s welfare is your priority.   10. Prepare your child financially  It is a tough emotional decision to send your child abroad. You might not get to meet your child for quite some time and cannot guide them constantly. Your child will be responsible for a host of chores like paying bills, managing their houses, cooking, and budgeting. This is your chance to teach your child money management, and how to budget their expenses and spend well rather than carelessly. Having a conversation about money management and budgeting is extremely important and can help your child build healthy financial habits.  There are a host of activities you need to consider before sending your child abroad. At the center of them, all is finance. Budget your finances well so that your child can have the best opportunities to kickstart their career!  FAQs How can I send my child abroad? Did you know that more than 62% of Indian parents want their children to study abroad, out of which 44% want their children to learn in the USA? Studying abroad is a stepping stone to success and a better lifestyle, but there are certain factors you need to consider before sending your child abroad. Talking to education counselors would be a great start if you’re planning to send your child abroad.   What are the disadvantages of studying abroad? Studying abroad can be expensive. Apart from tuition fees, accommodation costs can burn a hole in the pocket. Students will have to deal with homesickness as it won’t be easy to visit home frequently. They must work part-time while studying to reduce daily expenses. These are some of the challenges that students may face while studying abroad. Is studying abroad worth it compared to India? Studying abroad has several benefits. It gives students global exposure and allows them to interact with people from different cultures. It also provides students an opportunity to be involved in research and development, which may be difficult to find in India. Although studying abroad may seem to offer lucrative opportunities, there are many challenges along the process. Assess the advantages and disadvantages of both options (studying abroad and studying in India) before making a decision. Should I send my child to study abroad? Studying abroad is a stepping stone to success and a better lifestyle, but there are certain factors you need to consider before sending your child abroad. A few of them include:   Understand your child’s career goals   Choose the right education system   Take the help of career counselors   Assess future fees and accommodation costs   Build a plan of action   Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

E-commerce saw a big boost during the pandemic wave. Making investors ask - is it time for e-commerce or e-retail ETFs?  According to UNCTAD, global e-commerce jumped to more than $26.7 trillion! Let's take a look at some UNCTAD statistics from 2018-2020.  EconomyOnline retail sales ($ billions)Retail sales ($ billions)Online share (% of retail sales) 201820192020201820192020201820192020Australia13.514.422.92392292425.66.39.4Canada13.916.528.14674624523.03.66.2China1,060.41,233.61,414.35,7555,9575,68118.420.724.9Korea (Rep.)76.884.3104.442340640318.220.825.9Singapore1.61.93.23432274.75.911.7United Kingdom84.089.0130.656556456014.915.823.3United States519.6598.0791.75,2695,4525,6389.911.014.0 As seen clearly from the above table, e-commerce has seen rapid growth and will continue due to the very structure of e-commerce. The convenience it delivers to the buyers is unparalleled, and hence very rarely will it have a chance to slow down or lose steam.   In other words, while e-commerce growth is slowing in the short term, the industry's long-term bright growth prospects have not changed.  ETFs, particularly thematic ETFs, offer diversification benefits. Because even if an industry's growth increases, there will be some champions and some laggards, investors have embraced ETFs related to a long-term theme, such as cloud computing, clean energy, infrastructure, or online retail, in recent years.   E-commerce is a relatively new entrant to this list but has incredible potential. As so many companies are participating in e-commerce, subscribing to an e-commerce exchange-traded fund (ETF) could provide you, the investor, exposure to tech-savvy organizations across a wide range of industries.  Pros & Cons of Investing in e-retail ETFs  Pros  E-commerce is a massive industry that has only become bigger as technology has progressed. ETFs for e-commerce allow you to participate in this rapidly increasing market.  If one wishes to invest in e-commerce, businesses in various industries use digital sales and payments, including clothes, food delivery, and general retail. This helps diversify one's portfolio because the fund will likely include a wide range of businesses.  Cons  E-commerce is dominated by Amazon, Walmart, and eBay, making it tough to locate opportunities.  Investing purely in the e-commerce market may be challenging because many of the largest e-commerce companies do more than sell things. For instance, Amazon has an AWS cloud computing arm with its e-commerce portal.   What are Vanguard ETFs? Read More Few good e-commerce ETFs  The Amplify Online Retail ETF (IBUY) invests in companies that generate at least 70% of their income from online sales. The ETF's top holdings include well-known clothes, logistics, and food delivery services such as Etsy, DoorDash, and Revolve.  ProShares Online Retail ETF (ONLN) has a lower expense ratio than the Amplify Online Retail ETF and a less diversified portfolio. It invests significant of its assets in major e-commerce companies such as Amazon, Alibaba, and eBay.  The Emerging Markets Internet + Ecommerce ETF (EMQQ) tracks online businesses in countries other than the United States. The fund's assets are primarily invested in Chinese companies, although it also has stock in South Korea, India, Argentina, South Africa, Brazil, and Singapore.  Suppose you want broader exposure to internet companies than an ETF that focuses primarily on businesses that offer things to clients online. In that case, the Invesco NASDAQ Internet ETF (PNQI) is a solid choice. Including service providers and retailers, such as web hosting and search engines. Adobe, Amazon, and Alphabet are among the top holdings.  Paying people is a significant element of e-commerce. Many software companies have sought to make it as simple as possible for consumers to send and receive money from each other and businesses.   The ETFMG Prime Mobile Payments ETF (IPAY) invests in firms that help people make purchases online, such as American Express, Mastercard, Visa, Square, and PayPal.   Every e-commerce business needs to take payments, this is a one-of-a-kind opportunity for an investor to get exposure to the industry and its primary service providers.  ParameterAmplify Online Retail ETF (IBUY)ProShares Online Retail ETF (ONLN)Emerging Markets Internet + Ecommerce ETF (EMQQ)Invesco NASDAQ Internet ETF (PNQI)ETFMG Prime Mobile Payments ETF (IPAY)IssuerHANetf, EMQQ Index, and Big Tree Capital, LLCProSharesHANetf, EMQQ Index and Big Tree Capital, LLCInvescoETFMGInception DateApril 20, 2016July 13, 2018Nov. 12, 2014June 12, 2008July 15, 2015Expense ratio0.65%0.58% 0.86%0.60%0.75%AUM (as of 2021)$906.7 million$875.6 million$1.29 billion$1.06 billion$1.22 billion3-year return (as of 2021)28.5%20.1%16.2%20.9%16.7% E-commerce is a growing industry with the potential to develop significantly. Investing in an e-commerce ETF provides exposure to the online sales business and an opportunity to wager on societal trends such as food and apparel delivery and online payments. FAQs What is a retail ETF? A retail ETF is an industry-specific exchange-traded fund (ETF) that invests only in companies that sell retail merchandise to consumers. For example, Amplify Online Retail ETF (IBUY) is a retail ETF and its top 5 holdings are companies like Carvana Co, Affirm Holdings Inc, Netflix Inc, Figs Inc, and Amazon.com Inc. What are the benefits of investing in retail ETFs? E-commerce is a massive industry that has only become bigger as technology has progressed. ETFs for e-commerce allow you to participate in this rapidly increasing market.  If one wishes to invest in e-commerce, businesses in various industries use digital sales and payments, including clothes, food delivery, and general retail. This helps diversify one's portfolio because the fund will likely include a wide range of businesses. What are some retail ETFs to invest in? The Amplify Online Retail ETF (IBUY) invests in companies that generate at least 70% of their income from online sales. The ETF's top holdings include well-known clothes, logistics, and food delivery services such as Etsy, DoorDash, and Revolve.  ProShares Online Retail ETF (ONLN) has a lower expense ratio than the Amplify Online Retail ETF and a less diversified portfolio. It invests significant of its assets in major e-commerce companies such as Amazon, Alibaba, and eBay.  The Emerging Markets Internet + Ecommerce ETF (EMQQ) tracks online businesses in countries other than the United States. The fund's assets are primarily invested in Chinese companies, although it also has stock in South Korea, India, Argentina, South Africa, Brazil, and Singapore. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Traditionally, moms have always been the ultimate savers. Whether it's buying a pair of shoes right before your sports day or finding money for that one last school trip, moms always have money in their kitties. Here are some valuable investment tips for moms so that they can become the ultimate investors too. Importance of Investing as a Mom  Raising a child in today's world requires careful financial planning. From providing quality education to covering healthcare expenses, the costs can add up significantly. For instance, the average annual school fees in India can range from ₹50,000 to ₹2,00,000 or even more, depending on the institution and location. These expenses make it evident that investing is vital to ensure you have the financial means to support your child's growth, aspirations, and well-being throughout their journey to adulthood. Tip #1: Start with a Solid Financial Plan  Before diving into the world of investments, it's essential to have a well-defined financial plan in place. Start by setting clear financial goals, such as buying a house, funding your child's education, or building a retirement corpus. Assess your current income, expenses, and debts to determine how much you can allocate toward your investments. A solid financial plan will serve as your roadmap and guide your investment decisions.  Identify Your Risk Tolerance  Investing involves taking on some level of risk. It's crucial to assess your risk tolerance before making investment choices. Consider your age, financial responsibilities, and personal preferences. If you have a higher risk tolerance, you may opt for equity investments such as stocks or mutual funds. If you prefer lower risk, consider recommending hybrid, debt, or index funds that provide a more balanced approach to investing, combining the potential for growth with stability.    Diversify Your Portfolio  Diversification is a key principle to mitigate risk and enhance returns. Spread out your assets among many asset classes rather than putting all of your eggs in one basket. This can include stocks, bonds, mutual funds, real estate, and even alternative investments like gold. Your overall wealth is less affected by the performance of any one investment when your portfolio is more diversified. Tip #2: Educate Yourself and Seek Professional Advice  Investing can seem complex, but it's important to educate yourself about various investment avenues. For better information, read books, watch webinars, and peruse online resources. Consider consulting a licensed financial planner or investment advisor as well. They can help you understand the nuances of different investment options and tailor recommendations based on your unique circumstances.  Research and Analyze Investments  When considering investment opportunities, conduct thorough research and analysis. Understand the fundamentals of the investment, evaluate historical performance, and assess the associated risks. Stay updated with market trends, economic news, and regulatory changes that may impact your investments. This knowledge will empower you to make informed decisions aligned with your financial goals.  Monitor and Review Regularly  Investing requires ongoing monitoring and analysis; it is not a one-time exercise. Monitor the efficiency of your investments and make necessary modifications. Stay vigilant about changes in market conditions and consider rebalancing your portfolio periodically. Regular monitoring ensures that your investments remain aligned with your goals and helps you identify opportunities or risks in a timely manner.  Investment options for self-employed parents? Read More Tip #3: Consider Tax Planning  Tax planning is an important aspect of investing that can help you optimize your returns and minimize your tax liabilities. Explore investment options that offer tax benefits, such as Equity Linked Savings Schemes (ELSS) that provide tax deductions under Section 80C of the Income Tax Act. Additionally, be aware of the capital gains tax implications for different investments and plan accordingly to maximize tax efficiency. Tip #4: Invest in Child-Specific Financial Instruments  As a mom, your child's future is a top priority. Consider investing in child-specific financial instruments like Sukanya Samriddhi Yojana, which offers attractive interest rates and tax benefits for the girl child's education and marriage. Public Provident Fund (PPF) is another option that provides long-term savings and tax advantages, making it ideal for your child's higher education or other future expenses.  Create an Emergency Fund  Maintaining an emergency fund is essential for maintaining financial stability because life can be unpredictable. Set aside a portion of your savings as an emergency fund that can cover at least six months of living expenses. This fund will serve as a financial cushion during unexpected situations, such as medical emergencies or job loss, and prevent you from dipping into your investments prematurely.  Harness the Power of Systematic Investment Plans (SIPs)  Systematic Investment Plans (SIPs) are a popular and convenient investment option, especially for moms with busy schedules. You can invest a certain amount on a regular basis in mutual funds using SIPs. This disciplined approach not only makes investing hassle-free but also helps you benefit from rupee cost averaging and compounding, leading to potential long-term wealth creation. How single parents can save for higher education? Read More Tip #5: Check Financial News and Develop Financial Literacy  In the fast-paced world of finance, staying updated with financial news and market trends is essential. Subscribe to reputable financial publications, follow reliable financial blogs, and set up alerts for relevant news. Developing financial literacy will empower you to make informed investment decisions, understand economic indicators, and navigate the financial landscape with confidence. Tip #6: Have a Long-term Perspective  The journey of investing calls for endurance and a long-term outlook. While short-term market fluctuations may cause temporary fluctuations in the value of your investments, focusing on the long-term growth potential is key. Avoid making impulsive decisions based on short-term market volatility and instead, stay committed to your financial plan and investment strategy.  Reinvest Dividends and Returns  When you receive dividends or returns from your investments, consider reinvesting them instead of immediately spending them. Reinvesting allows you to harness the power of compounding, where your money generates additional returns over time. This can significantly boost your investment portfolio and accelerate your progress towards your financial goals.  These investment tips for moms can be followed by all moms regardless of their income. You can start small and grow your wealth over the years!  

Education loans offer instant financial relief. But before we guide you on how to find the best education loan for yourself. Here is a sneak-peak into the rising costs of education and what kind of loan amount you might need. The cost of education, especially higher education, is increasing at a rapid pace. For instance, in 2016, tuition fees in IITs were increased from 90,000 INR to INR 2 lakhs per annum. Moreover, a medical or a management course costs anywhere between INR 10 lakhs to INR 20 lakhs in India.   If your child pursues the same course abroad, costs can go up to INR 50 lakhs! Self-financing is one of the best options. However, sometimes, parents can fall short of arranging the entire cost of education for their kids. With a good education loan, you can bridge the shortfall.   With the cost of education skyrocketing, education loans greatly assist parents in meeting their child’s aspirations. With an education loan, parents can afford to send their children for higher studies abroad. Here are some strategies to help your child find the best education loan. 1. Research the best interest rate   Look for the best interest rate when selecting an education loan for your child. Education loans don’t come cheap and the interest charges can be hefty. But in most cases, banks can decrease the interest rate if the EMIs are paid properly on time. Moreover, if the loan is repaid without default, you can evade higher interest rates.   2. Collateral clause  Since defaults are pretty common, lenders insist on collateral for education loans. It is crucial to be aware of collateral before applying for an education loan. The collateral for an education loan usually involves fixed deposits, a house, land, etc. Note that with collateral, you can decrease interest rates.  3. Co-borrower or guarantor   Note that it is a standard practice for most financial institutions to insist on a parent as the guarantor. The number of years of service the parents possess plays a crucial role here. If you are about to retire while applying for an education loan, the lender won’t consider you as a guarantor. Moreover, you have to incur higher interest rates in the absence of a guarantor.   source: pixabay 4. Importance of margin money   You should check how much the lender will fund and how much you need to pay as a down payment. However, this requirement varies based on the lender, loan amount, and place where your child will study.   For instance, PSU banks usually charge a 5% margin for loans above Rs. 4 lakhs. On the other hand, they will charge a 15% margin money for studies abroad. Private banks may fund without any margin requirements. But be careful, you may want to refrain from paying higher interest rates just to avoid paying the margin.   Learn from Experts: Satendra Singh, Loan Expert with HDFC Credila talks about education loans! https://www.youtube.com/watch?v=Q4LEzHbW75o&t=141s 5. Select the right bank   A number of banks offer educational loans for various courses in India and abroad. You should select a bank that offers you the best moratorium period. Furthermore, the bank should offer you competitive interest rates so that your child finds it easy to repay the loan. It is usually recommended to select a lender that offers you the best loan terms rather than finance.   You should also check if you can pay EMIs in advance or make part payments towards the loan. It is imperative to learn about all the service charges that are applicable to your education loan. Parents opting for education loans should know that both part payments and prepayments come with a warranty.   6. Plan for repayment   Budgeting is always an important part of the repayment of the education loan. Once your child starts earning, they need to strategize to pay back the loan. Inculcating healthy financial habits in your child is, therefore, crucial for the effective repayment of the education loan on time. Loans can become burdensome after a while. Hence, it is better for your child to know how to repay properly.   7. Look for tax benefits   Many parents do not look at the tax benefits offered under Section 80E of the Income Tax Act on the interest you pay for the educational loan. However, you should apply for this loan from a gazetted financial institution or an Indian-scheduled bank. However, these deductions are available only for the initial assessment years and seven years after.      8. Apply for the loan in installments   To make it easy for your child, always apply for an education loan in installments. Lenders charge money on the amount of money disbursed. Since you have to pay tuition fees every 6 months, then try to ask for a disbursement plan that helps you reduce the interest and pay your bills on time. Interest accumulated will be less when you apply for the loan in installments.   If you are looking for the right education loan for your child then follow these strategies and help them secure the right deal to kickstart their education dreams.  FAQs Which bank is best for educational loans? There are many banks in India that offer educational loans for students starting at 8-9% interest rate. The interest rate depends on your profile and it differs from person to person. You can apply with EduFund and analyze which bank suits your application in the best way possible. Do we get a 100% student loan? Yes, you can get 100% coverage for your student loan in some cases. Absolute coverage is given in rare cases and there is a limit on spending as well. Is education loan interest-free? No, education loans are not interest-free in India. Students do pay interest starting at 8-9% depending on your application. TALK TO AN EXPERT

If you are planning to send your child overseas for higher studies, here are 5 ways early saving will help your child’s future career. Depending on the career your child decides to pursue and the country where your child wishes to travel, you will require a corpus of anywhere from Rs. 25 lakhs to up to Rs. 1 crore. And as you can imagine, these funds need to be planned for and accumulated over time.   Here is why early saving will help your child’s future career  1. Start saving early to build a larger corpus It is difficult to assess the career your child will ultimately pursue almost 15 years from now, it is best for you to go big and work with a higher target. This way your child will have the freedom to choose whichever career appeals to him/her, without you stressing out about how you are going to fund it.   2. You will not need an education loan While education loans are quite commonplace these days, if you plan well in advance, your child will not need to apply for education loans. No matter how easy they are to get, you must remember that most students end up having to commit a substantial portion of their 7-9 years’ earnings in the initial years towards settling these loans. If you plan well and start saving early, you can spare your child the stress of this loan.   3. Zero hassle of getting education loans While education loans are many today, the competition for these loans is going up as more and more students aspire to go overseas. This means by the time your child is ready to travel for higher studies, these loans will be harder to get and will definitely be more expensive than they are today. Also, loans that are easily available are provided against high-value collateral. If you do not have the necessary collateral with all the required documentation, the loan will not be sanctioned. Further, if your loan application is rejected for any reason by even one loan provider, it will create a lot of hurdles for you when you apply to other lenders. All of this stress can be avoided if you have your own funds to put your child through college with your funds.   Source: pixabay 4. No fear of repayment Different lenders have different repayment terms. Some need the student to start repayment even during the study period. Others, once the course of over and the student starts working. In both cases, this becomes an additional area of concern for the student. Managing a job while studying overseas is not an easy task. Even if the repayment schedule starts to post the course completion, it implies the student will be forced to take up a job even if he/she prefers to study further. As you can see, there is no need to put your child through all these challenges. All you have to do is create and follow an effective savings plan that will help you save your funds and grow them through compounding over an extended period of time.   5. Builds healthy financial habits We all know that our children usually follow what we do when it comes to financial behavior. By saving early on, your child will be able to pursue the career of his / her choice and will be free to start work when he/she feels ready. Most children, having experienced the ease of access to their own funds, realize early on that saving for a bigger goal in the future is important. Your decisions today will encourage your child to put away their own funds for their future career and personal goals.   It may seem like an obvious adage to start saving for your child’s higher education. But most parents make the big mistake of waiting for their child to go off to college. Saving diligently, can be the game-changer that your family needs to shift to a whole new level of success in just one generation. So, ensure you start your savings today! FAQs What are the advantages of saving early?   Start saving early to build a large corpus. It is difficult to assess the career your child will ultimately pursue almost 15 years from now; it is best for you to go big and work with a higher target.   This way, your child will have the freedom to choose whichever career appeals to them without stressing out about how you will fund it.    Should you save money for your children?   We all know that our children usually follow what we do when it comes to financial behavior. By saving early on, your child will be able to pursue the career of their choice and will be free to start work when they feel ready.  What are the 4 advantages of saving money?   Saving money has several advantages. A few of the main advantages include:   Protects you in the event of a financial emergency   You can avoid debt   Provides you with financial freedom   Helps you pay for your child’s education without stress   Why is saving important for kids?   Depending on the career your child decides to pursue and the country where your child wishes to travel, you will require a corpus of anywhere from Rs. 25 lakhs to up to Rs. 1 crore. And as you can imagine, these funds need to be planned for and accumulated over time.   Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

In the previous article, we discussed can we really do MBA in the UK for under Rs 25 lakhs. In this article, we will talk about how much to save for MBA in the USA for your child. The USA is the number destination for MBA but this course comes at a high price! Most MBA universities charge thousands of dollars in tuition fees and on top of that, there is the cost of living but there are many ways to reduce these costs. From scholarships to fee waivers to exploring savings opportunities, here is how much to save for your child’s MBA in the USA!   What is the cost of applying to study in the USA?  Before you start putting together the list of things your child will need for the overseas trip, here are a few things for you to consider. Prior to applying for admission to any of the universities in the USA, these are the expenses you must allow for:   CategoryAverage Amount (in INR) USA Visa Application0.12 lakhsSEVIS Fee0.27 lakhsTOEFL Exam Fee0.13 lakhsIELTS Exam Fee0.15 lakhsGMAT0.19 lakhsGRE0.16 lakhsAirfare0.45 lakhs to 0.85 lakhs  Add to this the cost of coaching and counseling required to crack the above-mentioned exams with good scores to enable you to get into the university of your choice. Planning for your MBA studies overseas must start at least a year and a half in advance. Check the intake period of the various institutes and ensure the applications and paperwork submission is aligned to the same.  Hidden Cost of Education in the USA Read More MBA fees in the USA  Once you have initiated the necessary exams and eligibility procedures, the search for the university that fits into your budget begins. MBA courses in the USA range from one year full-time to 2-3 years part-time or online programs. The average fee for an MBA course from a reputed university typically costs around USD 60,000 and can go up to USD 100,000 for the Ivy Leagues.   This translates into Rs. 45 lakhs to Rs. 75 lakhs in terms of tuition fees. Further depending on the university, the location, and the individual lifestyle of the student, the annual expenses can range from Rs. 13 lakhs to Rs. 40 lakhs.   As you can see, if you are looking to send your child to the USA to pursue an MBA, you will need to cough up approximately Rs. 1 crore for the entire duration of the stay. This can be backed up by part-time jobs, campus jobs, and of course, scholarships offered by the universities, the US government for international students, and also independent scholarships offered to Indian students.   source: pixabay How to create a financial plan for an MBA in the USA for your child?  In light of the corpus required to do the MBA in the USA, planning your funds well in advance will help your child pursue this dream with ease. Here are a few tips that can help you get started early as you make plans for your child’s MBA studies in the US:  1. Start a college fund as soon as you decide on this goal: ideally having a 10-15 year investment duration is great. If you don’t have this time, start immediately as the corpus you will need is substantial.   2. Depending on the time horizon of your investment, here is how you will need to invest:  Long-term (10 – 15 years duration): High-risk and high-return investment in equities  Mid-term (7 – 10 years duration): Balanced investment portfolio with 65% in high risk, rest in debt instruments   Short term (3 – 7 years duration): Low risk, secure, low returns investment in debt instruments. The key is to keep your capital safe and your investments high. You can develop a more refined approach to investing with the help of professionals who understand your financial situation as well as your financial goals.  3. Follow a disciplined approach to your savings and investments.   4. Take the benefit of compounding growth of investment when you start early and do not dip into the college fund. Protect this fund as the dates for admissions are fixed and falling short of the required amounts will mean you may have to compromise on the institute/course that the child is opting for.   5. Regularly monitor your investments and realign these to ensure the corpus is building up towards your target amount.   6. Keep a watch on the universities that you plan to apply to, and watch the changes in their international student policies and fees.   7. Start your research early for the scholarships available, tracking eligibility and ensuring your child achieves the academic scores needed to apply for these, should the need arise.   Sending your child to the US for higher studies is a serious and long-term project. Start early and stay on top of the funds. This will make the entire experience of overseas travel and study a truly enjoyable one for your child and your family! FAQs How much money is needed to do an MBA in the USA? Pursuing an MBA in the USA is expensive; it is listed as one of the most expensive courses in the world while the USA is considered the most expensive student destination. The average fee for an MBA course from a reputed university typically costs around USD 60,000 and can go up to USD 100,000 for the Ivy Leagues.   This translates into Rs. 45 lakhs to Rs. 75 lakhs in terms of tuition fees. Further depending on the university, the location, and the individual lifestyle of the student, the annual expenses can range from Rs. 13 lakhs to Rs. 40 lakhs. How much does an MBA cost in the USA for Indian students? The average fee for an MBA course from a reputed university typically costs around USD 60,000 and can go up to USD 100,000 for the Ivy Leagues.  This translates into Rs. 45 lakhs to Rs. 75 lakhs in terms of tuition fees. How long is a full-time MBA in the USA? Full-time MBA in the USA is 2 years. The cost of pursuing an MBA in the USA for Indian students is Rs. 45 lakhs to Rs. 75 lakhs in terms of tuition fees. TALK TO AN EXPERT

Before you ask your friends and family whether your child can study for an MBA in Canada for under Rs 40 lakhs, you must first understand the different kinds of costs involved from the application process to flying your child to his/her dream university.   What is the average cost of studying in Canada?  This query is a fairly common and reasonable query many parents harbor: What is the cost of studying in Canada? While the cost varies based on your university, province, course as well as lifestyle, the average cost of studying is around CAD 20,000 to CAD 30,000! This cost is increased every year due to the growing demand and influx of international students to Canada. The high cost is also because of the marring effects of education inflation.   https://www.youtube.com/watch?v=x9B8449Iuw4 Why pick Canada for MBA?  This is because Canada offers the accredited and highest ROI offering- MBA programs. In terms of cost, MBA in the USA can cost you up to Rs. 50 to 1cr, while MBA in the UK from a top university can cost you Rs. 75-50 lakhs. Most of the UK’s popular universities are located in London which exponentially increases the cost of living for international students. Then there is Canada, the costs range wildly from Rs. 30 lakhs to Rs. 1 cr., depending on the university your MBA.   When you are shortlisting countries for higher studies, you must consider the cost of living, the ease of picking up a part-time job, the chances of obtaining a work permit, and how convenient it is to apply for a Resident Visa while the student is there. Canada is ahead of USA and UK in terms of lifestyle, ease of permanent residency, and work permit.  GET 100% FINANCING FOR CANADA! https://www.youtube.com/watch?v=k8c_dfmXMkA Types of MBA offered by canadian universities  Another reason to study MBA in Canada is that its universities offer part-time MBAs, full-time MBAs, Executive MBAs, and also online MBAs. Each of these degrees is well accepted in international business circles and families must check the location, ranking, and placements of the institute while shortlisting the final ones. Some courses offer one-year programs which means your child can join the Canadian workforce after completing their graduation.   Source: pixabay How is MBA in Canada under Rs. 40 lakhs possible?  There are over 40 recognized universities offering MBAs in Canada. Here we list some of the universities where you can pursue an MBA in Canada under Rs. 40 Lakhs - the Memorial University of Newfoundland, University of Calgary, University of Victoria (Double Masters), University Canada West, Vancouver Island University, New York Institute of Technology - Vancouver Campus.   One basic rule of thumb while looking for more affordable MBA options in Canada is central and Western Canadian universities are a better bet than the ones on the East Coast and the ones that are closer to the US. Many of these universities offer MBAs in a host of subjects ranging from General Business Administration and Finance to International Business and Entrepreneurship. If you are looking for a good university degree, that is followed up by a great work opportunity, most of these names are a good bet.   The course duration ranges from one year to 20 months to two years, depending on the format you choose. Most Canadian university classes are scheduled to allow students to work for 20 hours along with their studies and support their finances.   There are scholarships available to international students offered directly by the universities, and others offered by private trusts, that can support a student through the two years of an MBA.   Coming back to the question that we began with when parents ask us, Can my child study an MBA in Canada for under Rs. 40 lakhs, our answer is a resounding yes. Just do your research, start saving early, and ensure the student checks all the academic boxes and is focused where his / her study is concerned.   How you can save Rs. 40 lakhs for your child’s MBA in Canada?  Here are some simple ways to save Rs.40 lakhs  Start early  Budget your expenses and make a savings plan  Embrace all financial investment options like FDs, Gold, Mutual Funds, PFP, ETFs, etc  If you have over 5 -7 years in hand before your child leaves the country, invest in growth-oriented instruments. If your investment horizon is 4-5 years or lesser, put your money in debt-based instruments. Check on the lock-in periods and returns. Guard your corpus fund, do not dip into it during emergencies. Constantly monitor your investments and check the changing fees rates and rules of admissions in the universities of your interest.   Do this regularly, and in due course of time, you will have the corpus you need to fly your child out to Canada to do an MBA under Rs. 40 lakhs. Happy planning and saving! FAQs Why pick Canada for MBA?  This is because Canada offers the accredited and highest ROI offering - MBA programs. In terms of cost, MBA in the USA can cost you up to Rs. 50 to Rs 1 Cr, while MBA in the UK from a top university can cost you Rs. 75-50 lakhs. What is the cost of studying MBA in Canada? While the cost varies based on your university, province, course as well as lifestyle, the average cost of studying is around CAD 20,000 to CAD 30,000! This cost is increased every year due to the growing demand and influx of international students to Canada. The high cost is also because of the marring effects of education inflation.   What are some Canadian universities that offer MBA under Rs. 40 lakhs? There are over 40 recognized universities offering MBAs in Canada. Here we list some of the universities where you can pursue an MBA in Canada under Rs. 40 Lakhs - the Memorial University of Newfoundland, University of Calgary, University of Victoria (Double Masters), University Canada West, Vancouver Island University, New York Institute of Technology - Vancouver Campus Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Investment Objective: The investment objective of the scheme is to provide capital appreciation and income distribution to the investors by using equity derivatives strategies, arbitrage opportunities and pure equity investments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns. AUM₹ 4863.41 CrNAV₹ 15.21Launch Date28-January-2019Min SIP Amount₹ 150Expense Ratio0.28%BenchmarkCRISIL Hybrid 50+50 Moderate IndexNote: Report as of 3rd June 2022.Source: Value Research Online Performance: Trailing Returns %FundCategory3 Months0.920.526 Months0.20-1.771 Year7.604.373 Years Annualized12.539.185 Years Annualized--Note: Report as of 3rd June 2022.Source: Morningstar Riskometer: Fund review: Asset AllocationFund %Equity42.50 %Debt25.51 %Cash31.99 %Note: Report as of 30th April 2022.  Source: Morningstar Top 10 HoldingsNameWeightage %Reliance Industries Ltd4.21Tata Ultra Short-Term Dr Gr3.465.63% Govt Stock 20262.89ICICI Bank Ltd2.70HDFC Ltd2.49Tata Consultancy Services Ltd2.39Hindustan Unilever Ltd2.15Larsen & Toubro Lt1.93Axis Bank Ltd1.85Grasim Industries Lt1.83Note: Report as of 30th April 2022.   Source: Morningstar Sector AllocationWeightage %Basic Materials17.20Consumer Cyclical6.13Financial Services19.72Real Estate2.40Communication Services2.81Energy7.80Industrials8.89Technology10.68Consumer Defensive9.35Healthcare8.71Utilities6.31Note: Report as of 30th April 2022.    Source: Morningstar Fund profile: The categorization of the stocks in this fund is based on three parameters i.e., Cyclical, Sensitive, and Defensive. The fund largely follows a growth-oriented style of investing and invests across market capitalizations of around 53.82% in large-cap, 7.9% in mid-cap, and 1.99% in small-cap companies. Basis stock selection makes the fund less volatile as compared to the category. The fund has around 27.94% investment in debt – 8.69% in G-Sec and 19.25% invested in very low-risk securities. ProsConsGood equity and debt diversification as per market conditions. Exceptionally outperformed the category averageExit Load of 1.0% before 365 Days. How much would you have made with SIP? Monthly SIP AmountTotal InvestmentCurrent ValuationNet ProfitCumulative Returns₨ 5000/-₨ 2,00,000/-₨ 2,56,049/-₨ 56,049/-60.81%Note: SIP Start Date – 28/01/2019, SIP End Date – 30/04/2022. Past performance does not guarantee future returns.Source: Morningstar About the fund manager: Akhil Mittal since Jan-2019. He is a B.Com (H) and MBA from University Business School. Prior to joining Tata AMC, he worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd. Sailesh Jain since Jan-2019. He carries a rich experience of more than 16 years in both fund management and broking, He joined Tata Asset Management in November 2018 as the Fund Manager (Equities). He holds an MBA degree in Finance from the Queensland University of Technology in Australia. Disclaimer: The data in this presentation are meant for general reading purposes only and are not meant to serve as a professional guide/investment advice for the readers. This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as of date. The information placed on the presentation is for informational purposes only and does not constitute an offer to sell or buy a security. The Company reserves the right to make modifications and alterations to the content available on the presentation. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment. Investment in the securities market is subject to market risks, read all the related documents carefully before investing. The valuation of securities may increase or decrease depending on the factors affecting the securities market. EduFund and the EduFund App are the brand and product of Helena Edtech Private Limited “An affiliate of the Company, i.e., Samyama Advisors Private Limited, is registered with the Securities and Exchange Board of India (SEBI) as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013 bearing the registration number [INA000015321]. Samyama Advisors Private Limited may provide investment advice to the clients through the Company’s platform.” Registered Address: 30, Omkar House, Near Swastik Char Rasta, Navrangpura, Ahmedabad Gujarat, India – 380009. Transaction Platform Partner: BSE Star MF (with Member code-51573). CIN No: U67100GJ2020PTC112589. RIA Number: INA000015321 GST No: 24AAFCH2122L1ZU© EduFund | All rights reserved | 2022 Last Updated – May 19, 2022 FAQs What is the growth of the Tata Balanced Advantage Fund plan? The categorization of the stocks in this fund is based on three parameters i.e., Cyclical, Sensitive, and Defensive. The fund largely follows a growth-oriented style of investing and invests across market capitalizations of around 53.82% in large-cap, 7.9% in mid-cap, and 1.99% in small-cap companies. Basis stock selection makes the fund less volatile as compared to the category. The fund has around 27.94% investment in debt – 8.69% in G-Sec and 19.25% invested in very low-risk securities. What is the expense ratio of Tata Balanced Advantage Fund Direct-Growth? The expense ratio of Tata Balanced Advantage Fund Direct-Growth is 0.28%. How to invest in Tata Balanced Advantage Fund Direct-Growth? You can invest in Tata Balanced Advantage Fund Direct-Growth using the EduFund App. Set up an account in 10 minutes and explore over 4000 mutual funds! Tata is one of the most trusted AMCs in India that offers diverse investment solutions to Indian investors.

A good college for your child is the end goal for every parent because it’s the stepping stone to a great career and life. But why save 10 years in advance for your child's education? Here is why! Ideally, you need to save 10 years in advance for your child’s college but many parents make the mistake of thinking they have enough time. Here’s why you need to start saving early and consistently for your child’s higher education to be financially independent in the future.    Why save 10 years in advance for a child's college? Increasing tuition fees  Do you know that the cost of education schooling, and college is going up by 10 -12% every year? Let’s say the annual fees in a private engineering college in 2022 stand at Rs. 6-7 lakhs. By 2027, this same one-year fee will be Rs. 27 lakhs, given the rate at which fees are being hiked. The standard rate of inflation does not apply to education and is almost always higher.  Increasing lifestyle cost   Changing lifestyle standards and greater disposable incomes mean parents don’t want their children to study in government institutes that at times have insufficient infrastructure. So, when you start looking for a college for your child, you will naturally find yourself drawn to contemporary universities with fancy buildings, equipped with all kinds of learning and teaching technology everything that comes with an expensive price tag. Especially as ICSE and international boards become increasingly accepted, the next step in a student’s academic career is a school that is comparable to global world-class educational institutes in terms of quality of education, opportunities, and facilities. When you plan to give your child the best of institutes, you must be ready for the financial demands that tag along.  High competition  Getting into good government colleges/universities was always challenging, but now it has become even more so with the growing numbers looking to pursue higher education. The intense competition at the govt universities has increased the demand for private universities that charge more than their government counterparts. This makes it necessary for parents to save up over time for the large fees that are required in private universities.  Similarly saving up for sending your child abroad comes with its own set of financial woes. You need to consider currency changes, the political and economic climate of both countries and the average cost of living rather than just your child’s college fees.   Source: pixabay How to save across 10 years?  Overseas undergrad education in the best of universities can cost you close to a crore of rupees. Sure, at the outset this amount sounds daunting, but it is not. If you start putting away Rs. 9000 – 12000 per month over the next 10-15 years, you will be able to touch your target of creating an education corpus of Rs. 1 crore. Investing in Equities across a long-term horizon usually brings you an average return of 15-16%. This is further enhanced when you do not pull out your earnings on a regular basis.   When you start early, you have the distinct advantage of the power of compounding. Your investment will grow and give you impressive returns over a long period.   If you think you will start late and makeup as you go along, you are sadly mistaken. A shorter investment term means your money has lesser time to grow. Yet there are many financial instruments you can depend on to reach your goal, it’s always better to approach a professional or a financial advisor when you are considering a huge expense like higher education.  Saving 10 years in advance for your child’s college gives you a huge advantage. It can you manage your daily spending and take care of one of the most challenging spending of your life. Don’t start saving blindly, get in touch with an expert to get a financial plan for your child’s unique goals. FAQs How do I save for my child's education? One of the most common questions among parents is how to save for their child’s education. The best and most effective way is to invest in mutual funds, US ETFs, stocks, etc. Within mutual funds, parents who have kids between the ages of 1-5 years should opt for equity-based mutual funds. These funds are great for long-term investors who are looking at 10-15 years of investment horizon. However, each plan depends on the parent’s risk appetite, time horizon, and the final amount needed for their goal. How much money do I need for my kid's education? An easier way to find how much money you need is through the EduFund College Cost Calculator. The calculator helps you in 2 pertinent ways: It estimates the final cost of any course and college after adjusting it for inflation It customizes a plan based on when and where your child wants to study It suggests investment plans and even scholarships + education loans that can assist you in paying for the amount Why is it important to save money for my child’s education? The average cost of education is increasing rapidly. Certain courses like medicine in private universities in India can cost you nearly 1 crore. If you are planning to send your child abroad then need to think of currency exchanges, LRS limits on spending, accommodation costs, and even expensive flight tickets. All these factors are important to consider while creating a corpus. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Recent events like the pandemic, the Russian - the Ukraine war, the consistently falling rupee, and high inflation have proved why investing at an early age and systematically is vital and a significant requirement today! Since it’s the only way to beat inflation and work towards wealth generation, here are 8 ways to invest in 2023 for beginners!  1. Know your financial goals  Every person has financial goals to achieve; whether it’s to cruise around the world or pay for your child’s foreign education. Everyone has them and everyone needs to work for them. The first rule of investing is to determine your short-term goals like buying a car and long-term goals like buying a house to figure out how to work towards it based on your finances and spending.  When it comes to financial planning, it's best to be realistic. Understand your goals and determine the best way to attain them without compromising your present needs!  2. Study your finances  Before investing a huge sum, it's good to budget your finances and understand where your money is going. For instance, if you have an income of Rs. 45,000 a month and if you spend Rs. 25,000 on rent then it’s not feasible for you to invest Rs.20,000. You have to take care of your utility bills, food, and other miscellaneous expenses. It's best to pick a realistic amount for investing every month that you can pay consistently before starting a SIP.  3. Time your financial goals  Knowing how much time you have and need to achieve your goal is a crucial aspect of investing. Some investments have a lock-in period; suppose you choose an investment that has a lock-in period of 5 years but you need your money in 3 years, this can throw your financial planning off the charts. So, it’s important to align your deadlines with your investments so that you can take care of all your needs on time.  4. Know your risk appetite  Some investments are riskier than others, some offer low to medium risks. Depending on your risk appetite you can choose the option that suits your financial goals and current needs. Risk appetite depends on a number of factors like your running income, sources of income, financial obligations, number of dependents, age, etc.  5. Put your eggs in different baskets  You have probably heard this line more than enough to know relying on one financial tool like an FD Mutual Fund or ETF alone can be a huge mistake. It is always beneficial to diversify your investments so that you can achieve your financial goals faster and more efficiently. Speak to an expert if you have trouble assessing the different investments for your unique goals!   6. Avoid impulse decisions  Many first-time investors make the mistake of investing everywhere without any specific goal in mind rather than the lure of lucrative returns. While these avenues may be a great investment opportunity, they could prove to be a loss. So do your research well, understand your needs, and then invest your hard-earned money into schemes you can vouch for!  7. Ensure you have enough liquidity   Some investments have lock-in periods and levy extra charges for redemption before the set date. This can be a huge loss on your investment! While you cannot foresee future emergencies, you can prepare for them with emergency funds and some liquidity, that is, cash in hand!    8. Market research is key  While the pandemic introduced various changes and led to the emergence of pharma companies like high-return investments, the winds are changing again. Companies like manufacturing and logistics are making a grand comeback, especially in India with the start-up culture in full swing. So, know your market before making any big investments. If you have no prior expertise in share market research then contact an expert!   How you invest in 2023 should be determined by your financial goals and needs while keeping research at the centerfold! The gamut of financial advice and instruments has increased in the past few years, it is easy to get overwhelmed so seek help wherever you can to make the right choices!  FAQs What are the top 5 sectors to invest in 2023? The top 5 sectors to invest in 2023 are: Information Technology, Pharmaceuticals, FMCG, Automobile Companies, Logistics, etc How to plan investment in 2023? The key to investing is knowing your time horizon, financial goals, risk profile, and lastly, diversification. Ideally, every month, every individual should invest an amount they prefer towards their financial goals to achieve them on time. You can opt for a bunch of investments like mutual funds, ETFs, stocks, insurance, PPF, government programs, bonds, and even FD based on your financial needs. Always consult an expert so that you can plan and implement smartly! Which sector will boom in India? Watch out for sectors like housing, banking, information technology, pharma, and automobiles TALK TO AN EXPERT