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Hellow frinds lets understnad   What are flat and reducing interest rates? Interest is added to the principal to pay the lender. Different banks figure out loan interest rates in a similar way. The interest rate is usually shown as a yearly percentage of the loan. This is called the Annual Percentage Rate. Part of each EMI payment goes toward the loan's principal, and another part goes toward the loan's interest. Most loan interest rate agreements have EMIs that start out higher and get lower as the loan goes on. On the other hand, the EMI based on the principal amount is lower at the beginning of the term and goes up as the term goes on. There are different ways to figure out interest rates, and depending on which method you use, you might get the best rate for a personal loan. Flat interest Rate A flat interest rate is a loan rate that stays the same over the life of the loan. At the start of the loan period, the interest is calculated on the whole loan amount. The financial...

Hello friends just understand Below 👇  What next after the Rs. 2000 note is removed from circulation? - There will be a flood of deposits in the banks - Rates should go down as liquidity with the banks increase - FD rates will come down & so will the lending rates - Banks can become more credit friendly (lend more) - Demand for loans will also increase with lower rates - The entire ecosystem will benefit with the credit uptick. My view  - Positive for the economy Wise investing  Growth with learning Wiseinvesting.in

Hello Friends Being a trader & investor from long time  let me give you honest opinion Successful stock trading requires careful analysis, research, and a deep understanding of the market 1) Educate yourself: Take the time to learn about stock market fundamentals, technical analysis, and different investment strategies. This knowledge will help you make informed decisions 2) Develop a trading plan: Define your financial goals, risk tolerance, and investment  timeframe. 3) Having a well-defined plan will help you stay focused and disciplined 4) Conduct thorough research: Analyze the company's financial statements, market trends And news related to the stocks you are interested in. 5) Fundamental and technical analysis can help you identify potential investment opportunities 6) Diversify your portfolio: Spreading your investments across different stocks and sectors can help mitigate risk Diversification allows you to reduce the impact of any single investment on your overall...

Hello friends let's understand this Xirr & CAGR One of the main reasons behind mutual fund investments is expecting inflation-beating returns, if not more. However, whenever people hear about a certain rate of return generated by mutual funds in India, they become doubtful of what to expect, like X person in the example given below: X person wanted to invest in suitable mutual fund schemes and started checking the expected returns. On digging further, he found that some popular schemes offered a five-year return of 10%, a 3-year return of 8%, and so on. These numbers confused him and terms like CAGR and XIRR, written next to returns, added to the confusion. Many individuals like X person find it challenging to understand such terms. Here, we will cover CAGR vs XIRR in detail to help you understand the differences between the two. WHAT IS CAGR? CAGR stands for Compounded Annual Growth Rate and is the most common tool to measure the returns generated by a mutual fund scheme. It s...

Let's understand  What Is Hedge Accounting? Hedge accounting is a method of accounting in which entries to adjust the fair value of a security and its opposing hedge are treated as one. Hedge accounting attempts to reduce the volatility created by the repeated adjustment to a financial instrument's value, known as fair value accounting or mark to market. This volatility is reduced by combining the instrument and the hedge as one entry, which offsets the opposing's movements. KEY TAKEAWAYS Hedge accounting uses one entry to adjust the fair value of a security and its opposing hedge. The purpose of a hedge is to reduce volatility associated with value fluctuations on an investment that is not directly related to the investment's performance. There are three categories of hedge accounting:  fair value hedges,  cash flow hedges, and Net investment hedges. Understanding Hedge Accounting A hedge fund is used to lower the risk of overall losses by assuming an offsetting positi...

  Fear can be described as “a future expectation of being worse off than you are now.” We all suffer from fear at one point or another. Only through regular, candid introspection, whereby you ask yourself direct questions and demand direct and honest replies, can negative influence be diminished or eradicated. As you read through this description of the six basic fears, remember that to be truly rich, the actions you take each day—how you think, with whom you associate, and what you do—must correspond with the type of life you want. Like poverty consciousness, fear must be mastered, or it will master you. 1. Fear of poverty Both wealth and poverty are the offspring of thought. Fear of poverty crushes ambition, stymies imagination, feeds negativity, breeds cynicism, invites conflict, promotes selfishness, and encourages quitting, leading to hatred, poverty, illness, and misery—in other words, permanent defeat. Decide what you want in your life, always remembering that the poverty mi...

How 1 lakh spent on solar plant is better than FD? Solar panels can make us energy sufficient by processing Sun Energy. It is a brilliant way to curb ongoing climate change. From the Paris Agreement to UN debates, the climate has always been a major concern. Upgrading to Solar Panels is a real contribution that we can make towards our healthy future. Using solar energy can make everyone get rid of electricity obtained by exploiting mother earth. There will be no more air pollution, water pollution, global warming etc. resulting out of using fossil fuels for our needs. Apart from environmental satisfaction, solar plants can also make us financially happy. It breaks the trap of paying hefty electricity bills. Additionally, Solar plants investments will give higher returns than Fixed Deposits. This article will explain the concept in brief.  What are Fixed Deposits?  FDs are defined are the financial instrument with a safe rate of interest. Fixed deposits are “safe investment, of...