Why this preference? SIPs smooth out market fluctuations, instill investment discipline, and help harness the power of compounding. In a market where corrections can erase weeks of gains in days, SIP investors sleep easy knowing rupee-cost averaging is working for them. Over the past five years, data shows that SIPs in broad-based funds (like Nifty or Sensex index funds, or top-ranked flexi-cap funds) have delivered steady, inflation-beating returns.

Lumpsum investment, on the other hand, suits those with sizable cash—like a bonus or property sale proceeds—when markets correct sharply. Lumpsum has delivered spectacular gains for those who entered during March 2020’s crash or micro-corrections in mid-2022; but fortune favors only the brave (and the lucky) in timing the market!

For 2025, financial planners recommend a blended approach. Deploy SIPs for long-term wealth creation, and keep a lookout for meaningful dips to deploy any idle cash lumpsum. Don’t forget to match investment type with your goals—SIPs for milestones like retirement and education, lumpsum for one-off opportunities.

Whether SIP or lumpsum, ensure your portfolio is diversified across asset classes—equity, debt, gold, and even REITs or international funds, for true resilience.

The post SIPs vs Lumpsum: What Works for Indian Investors in 2025? first appeared on FINCHARGE.

Suzlon Share price

So what we are seeing here is 165% returns over the past 6 months, and a phenomenal growth. So if you had invested one lakh rupees at Rs. 8 per share of Suzlon which translates to about 12500 shares, today, that would be worth Rs. a whopping 6,25,000. What a run this market is having now. With the Government’s increasing stress on renewable energy and a global aversion for coal and other polluting energy sources, we feel that the market will continue to invest heavily in Suzlon, turning it into a great stock to have in our kitty.

The post 6x growth- Multibagger stock- Suzlon delivers bumper returns for investors first appeared on FINCHARGE.

1. Introduction

Most people know that there are a variety of ways to invest their money. However, many individuals only consider the most common types of investment vehicles. While stocks, bonds, and mutual funds are excellent options, other investments can be just as lucrative.

In this article, we will discuss 7 types of investments that everyone should consider. These include real estate, hedge funds, private equity, venture capital, commodities, derivatives, and initial coin offerings (ICOs). We will also provide a brief overview of each investment vehicle.

2. What are the 7 types of investments?

1. Real Estate – Buying and selling properties or renting out properties is a secure way of generating passive income.

2. Hedge Funds – Hedge funds are a type of pooled fund managed by professional investors and traders that use high-risk strategies to generate returns.

3. Private Equity – Private equity funds are typically used by large companies to buy out smaller firms to expand their business.

4. Venture Capital – Venture capital firms provide capital to startups in exchange for equity in the company.

5. Commodities – Investing in commodities such as gold, silver, oil and more can produce profits due to their intrinsic value.

6. Derivatives – Derivatives are financial instruments such as options and futures contracts, which are highly speculative.

7. Initial Coin Offerings (ICOs) – An ICO is a new way of raising capital for tech startups by selling digital tokens to investors for a certain price.

3. Why is investing important?

Investing can help you to secure your future financial health and create wealth over time. Investing your money can have several benefits, such as:

1. Building Wealth – Investing can help you to build wealth and reach your long-term financial goals. The more money you put in, the more likely you are to see a return on your investment over time.

2. Growth of Capital – Investing can give you a chance to see the growth of your capital over time. You can gain a higher rate of return than you would by just leaving your money in a savings account.

3. Saving for Retirement – Investing can help you to save for retirement, with the potential to earn more than standard savings accounts.

4. Diversifying Your Portfolio – Investing can also help you to diversify your portfolio, reducing the risk of losing money in one area. This can help to reduce the chance of experiencing extreme financial losses.

5. Financial Security – Investing in the stock market can help you to create financial security and give you a sense of control over your finances.

4. What are the risks and rewards associated with each type of investment?

There are different levels of risk associated with each type of investment, and potential rewards can also vary. It is important to do your research and fully understand the risks and rewards of each type of investment. This will ensure that you are comfortable with your investment decision and that you know what to expect when it comes to returns.

Stocks are an example of a high-risk high-reward investment. Stock prices can fluctuate over short periods and increase in value over long periods. If you invest in the stock market, you should be aware of the potential for higher returns, but also of the potential for losses.

Mutual funds are another example, and these investments tend to be less risky but also offer lower potential returns. Mutual funds are a diversified portfolio of investments, which helps to reduce the risk but also lower the potential rewards.

Fixed-income investments, such as bonds, tend to have lower risk associated with them and offer lower potential returns. They often have a guaranteed return, and this is why they are a good option for conservative investors who are looking for a steady stream of income.

Finally, alternative investments, such as real estate, can often be a good option for those who want to diversify their portfolio and can afford to take on higher levels of risk. These investments may offer higher potential returns and can often provide a hedge against inflation.

5. conclusion

In conclusion, there are many different types of investments available and each option has its risks and rewards. It is important to understand the different types of investments and the risks and rewards associated with them before you begin investing. Investing in stocks can be high-risk and potentially high reward, while fixed-income investments can be less risky offering a more reliable return. Mutual funds can reduce your risk by providing diversification and alternative investments, such as real estate, can offer protection against inflation.

As with any type of investment, it is important to do your research and find the investments that are right for you. Before investing, make sure to consult with a financial professional who can give tailored advice and help guide you in the right direction. By doing your research, diversifying your portfolio, and understanding the risks and rewards associated with each type of investment, you can make informed investment decisions and start investing with confidence.

The post 7 Types of Investments – which is the most lucrative? first appeared on FINCHARGE.

The stock is currently trading at around 35% below its 52 week high. The one year returns Vs NIFTY stands at -16.9% which is not very encouraging.

Mutual Funds have increased holdings from 0.07% to 0.22% in Dec 2022 qtr.

The market leader in this segment is Siemens Ltd. and next comes ABB India Ltd. which are currently trading at Rs. 3000+ each.

If you are looking for a penny stock, Suzlon is not a bad pick at its current level of Rs. 8 as a long-term investment option, but is not a stock that will give you roaring returns.

Click here to buy Suzlon through Groww – the smart app for buying stocks

The post Is Suzlon Energy Limited a good stock to buy? first appeared on FINCHARGE.

And what better place to learn about your favourite stocks than this beautiful portal called www.trendlyne.com I am just an ardent user of that portal, and am not connected otherwise. The reason why I like trendlyne is:

1. Infographics – a nice set of charts that lay out the numbers for you. to quickly grasp and make a good decision
2. Indepth coverage of various parameters
3. You get a bird’s eye-view of the entire market as well as detailed analysis on specific stocks.
4. The screeners are another hit – like there is a screener on “Companies Benefiting From Government PLI Schemes” and Forecaster special – Buy side“
5. You can see where the mutual funds are putting their money, and what the analysts have to say on a stock.

With all this, trendlyne is a go to place to enrich yourself on the stock that you are planning to buy. SO go ahead, have a great time in making a well-informed decision, and ensure that your portfolio is in the green. Avoid the pitfalls, identify the greens.

The post An important strategy to make money in the markets first appeared on FINCHARGE.

Multipl suggests that its Save Now, Pay Later mode of investment brings in a host of benefits as compared to other modes of saving or spending.

I have been having a great journey with Multipl and am happy to share my referral INVITE code BY9EN that you can use to sign-up and start a rewarding journey of savings. All the best.

The post A rewarding SIP journey with the Multipl App first appeared on FINCHARGE.

Did you know how Tata Steel manages to be the LOWEST COST PRODUCER OF STEEL IN ASIA?
A brief about the company (sourced from www.tatasteel.com) states this:

Tata Steel possesses and operates captive mines that help them maintain cost- competitiveness and production efficiencies through an uninterrupted supply of raw material. This is how we ensure that we remain the lowest cost producer of steel in Asia.

The Indian product portfolio is divided into four segments

• Automotive and Special Products
• Industrial Products, Projects and Exports
• Branded Products and Retail; and
• Services and Solutions.
  
  

Should I buy TataSteel now?

Due to various factors including Government decisions, the stock has fallen in recent times. This is a good time to buy TataSteel shares. Some quick statistics that will help you decide on buying the stock:

If you had invested Rs. 1,00,000 5 years ago, it would have grown to Rs. 2,31,310.00 (a gain of 131.31%).

Recently, Tata Steel Limited completed the acquisition of Neelachal Ispat Nigam Limited through its step-Down Subsidiary, Tata Steel Long Products Ltd.

Click here to buy Tata Steel through Groww – the smart app for buying stocks

The post Tata Steel – A great stock to enrich our portfolio first appeared on FINCHARGE.

On the other hand, banks have hiked the Fixed Deposit rates by a few points in the last two months. One should ideally maintain about 20-25% investments in FDs. These would form the conservative and risk-free portion of one’s investments. FDs have advantages of giving slow but sure returns, and your capital being secured.

Small finance banks like Equitas, Ujjivan, RBL, Utkarsh small finance banks are giving close to 7.5-8% returns. As a cautious and smart invester, it will certainly make sense to park a quarter of your investments in these FDs. If there is a senior citizen in the home, book your investments in their name to avail an extra 0.5% interest, and to decrease any outflow on account of Tax(Note that all FDs are taxable at source, unless specific exemption is claimed).

The post Are fixed deposits turning attractive now? first appeared on FINCHARGE.

Liquid mutual funds or liquid funds are a category of debt mutual funds that primarily invest in financial instruments like treasury bills, government securities, call money etc. with maturity up to 91 days.

The advantage of investing in liquid funds is that it provides high liquidity and safety. But do note that it does not guarantee safety of principle like bank FDs. 

List of Top 5 Liquid Mutual Funds in India

** The above ranking is indicative and may not be the latest.

Who Should Invest in Liquid Funds?

• If you want to park your surplus money for a short time and your risk appetite is low, then you should invest in liquid mutual funds. 
• If you want to beat the returns of a Bank FD in the short-term, then you should invest in liquid mutual funds.
• If you want to perform cost-averaging via systematic transfer plan (STP), then you should invest in liquid funds. 
• If you are planning to create a contingency fund, then you should invest in liquid funds instead of bank RDs. 

Things to Consider Before you Invest in Liquid Mutual Funds

1. Credit Quality: Investors should invest in liquid funds with AAA rated papers issued by the government, quasi-government and public sector companies only. Papers issued by private companies carry substantial credit risks. Credit risk refers to the risk of the issuer of security defaulting on payment of principal amount and interest. Therefore, always invest in liquid funds with AAA rated papers issued by government/quasi-government or public sector companies.

2. Cost: While selecting liquid funds to invest in, carefully look at the expense ratio and exit load of the fund to ensure higher returns and easy liquidity.

3. Past Performance: The past performance of a fund helps in judging its future prospects. While investing in liquid funds, study the past performance of the fund against its benchmark and peers and then invest in the best fund.

4. Minimum investment: The minimum investment amount will vary from Rs 500 to Rs 5,000 depending on the fund house. So, invest in liquid funds with low minimum investment requirements.  

What are the Benefits of Investing in Liquid Mutual Funds?

• High liquidity– Investors can liquidate their investment within 24 hours.  
• Very low-risk investment– Liquid Fund papers have a maturity duration of upto 91 days only and their NAVs are mostly stable. 
• Bank FD-beating returns– Liquid funds offer higher returns than savings bank accounts and bank FDs. 
• Easy Exit– Liquid funds have an exit period of only 1 week. 
• Quick redemption-Unlike equity mutual funds, liquid fund redemption proceeds are received within one day.
• Partial redemption– Partial withdrawal is also allowed in liquid funds, which is not possible with fixed deposits.

Tax implication on Liquid Mutual Funds

Taxation of liquid funds is similar to debt fund taxation. 

• If liquid funds are held for more than three years then the gains are taxable at 20% with indexation & 
• If held for less than three years then the gains are added to investors income and taxed as per the applicable tax slab.

Investing in liquid mutual funds is easy, safe and profitable. Liquid mutual funds can be redeemed in a day and provide better returns than bank FDs. 

The post Liquid Mutual Funds- a Safe investment option with high liquidity first appeared on FINCHARGE.

Such rewards can either be in the form of cash, cash equivalent, shares, etc. and are mostly paid from the remaining share of profit once essential expenses are met

• Does investing in dividend stocks gives dual benefits to investors?

YES, investing in dividend stocks helps investors enjoy all the dual benefits of value appreciation and consistent regular income. An investor can invest in a high dividend stock and soak the benefits for quite a few years. Later on, he can sell your investment to book handsome profit from his investment again.

Dividend stocks tend to add an element of stability and consistent returns to one’s portfolio, and it would be worthwhile to mark at least 10-20% of your portfolio to accommodate such high dividend yield stocks.

The post Advantages of adding Dividend Stocks your portfolio first appeared on FINCHARGE.