Should you stay invested in mutaul fund.

Introduction
Hello everyone as we know the Indian market has been falling continuously for 2 months and mostly small and mid-cap are falling, in this situation what we should do, as per the research analyst if you are inviting Mutual funds for the long term so we don’t worry about falling market but the main point is we should choose best mutual fund, but we will discuss I’m briefly about this topic so learn more kindly read entire article so you will get your all answer.

Why should we stay invested in mutual funds?
This is the right time to restructure our portfolio if you have a bad mutual fund in your portfolio so try to replace it with a good mutual fund. It’s your responsibility to correct your mistake. And stock markets are always good for the long term not for the short-term. The long-term investment gives you an effective CAGR. If your best-performing mutual fund’s NAV is down you can try to average your mutual fund. If the market is falling today, it will up one day when everything will be in our control.

Avoid panic selling and stay invested.
Everyone is in fear and they are selling in panic so we should avoid this and try to maintain our discipline for our wealth. When you are rational toward your investment then it will give you a great profit. If you find out most of the investors make money in market fall. Now this is the right time to invest more but it will be for a long period of time. There is no shortcut to creating a wealth. Now retail investors are in fear and booking Loss but according to research analysts and investors try to stay invested if your vision is for long term. One thing always remember market correct is not a big concern it’s part of the share market most of your money grow after market correction but you should buy more from the best company.

Asset allocation.
We should avoid investing in only one financial instrument and most investors do this thing and make a loss in the share market. If you focus on Asset allocation then you can reduce your risk and minimize your volatile impact. Asset allocation such as equity, debt, gold, and mutual funds. When one thing falls another financial instrument will reduce the risk of your volatility If you want to avoid fluctuation in the share market asset allocation is a very effective strategy. Your entire fund should not invested in one place.

Rebalance your portfolio.

A market correction is an opportunity and you should grab it when you sell overvalued and buy undervalued, we have to focus on 4 to 5 sectors and we should not invest in one sector at least 15 companies we can consider and make a portfolio and 15% of your fund invested in one sector only. Rebalancing a portfolio is important when you don’t able to generate more return. Rebalancing your portfolio helps you to reduce your volatility market and risk associated.

Discipline investment.

Discipline in the share market becomes necessary because market fluctuation and market correction is natural parts but if you stay invested with high Discipline it’s good for your portfolio and investment. Without discipline, you can’t achieve your growth and objective. If you continue investing for the long term it will give you a fair return. So try to invest in a growing company that is undervalued and now you should not fear toward current market situation.

Portfolio monitoring.
If you are in market correction it’s time to monitor and review your mutual fund portfolio. To check the expense ratio, and return, the fund manager tracks record performance if any stock is not performing for a long period of time it’s time to switch to high performing mutual fund.

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Zomato share news, good time to buy.

Hello, everyone. I hope you are doing well. As we know, the Indian market has been correcting since December 2024, and all the companies are correcting now. In this situation, where to buy and where to sell is the biggest concern. Now, I’m sharing some important information about Zomato. Tomato is expanding quick commerce, and Zomato injected 1500 crore in its subsidiary of Zomato Blinkit to expand the quick commerce business.

Zomato already invested 8500 crore through qualified institution placement. To strengthen the financial position.

Blinkit expansion.

In January this year, blinkit crossed the 1000 dark store milestone and in Q3 FY25 July to December blinkit added 368 new darks stores.

Financial position.

However, Zomato saw profit drop to Rs 59 crore from 138 crore reported in the same period a year ago.

The company’s EBITDA increased 128 percent which is 285 crore from the previous year. However, QOQ EBITDA decreased by 14% which is 45 crore, as per the analyst it happens due to expanding the dark store and business expansion.

Shareholding of the company.

FII decreased its stake in Dec 2024, from 52.34% to 47.31%.
DII increased its stake in Dec 2024, from 17.32% to 20.51%.
Public increased its stake in Dec 2024, from 28.86% to 26.09%.

Key point of the company.
1-Zomatoa subsidiary blinkit increasing it dark store.
2-Blinkit focuses on business growth.
3- It is positive because Zomato also diversifies its business in different segments. Recently zomato launched a district app for movie tickets.

Conclusion.
First of all, it is only for educational purposes I’m not giving any buying and selling recommendations so before buying any stock kindly consult with your financial advisor then do anything, however  I quick commerce there is high competition and it is necessary to see that what zomato will do to compete the business in the right way to sustain their business.

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Why NTPC Green Energy is falling, It it right time to invest?

NTPC Green Energy fell today by around 6.77%, This company was listed on the stock exchange on November 27 2024 and today it marked below 100 Rs. Currently, it is trading at Rs 98.5. The sharp fall in shares happened because three months of the lock-in period of this stock ended today. 2% of the company’s outstanding equity around 18.33 crore shares become eligible to trade in the market. However, the lock-in period ending is not the reason for the sharp fall; it simply means shareholders can trade those shares.

Financial of the company:

In December 2024 company results were not as good as expected. The company topline represents nearly 4.1 % year-on-year growth. Its EBITDA earnings before Interest Tax Depreciation and Amortization fell by 2.3% and companies profit under pressure. It represent the operational challenges.

Since IPO debut company is down trend.

The company was listed on the stock exchange on 27th November 2024 at a price of 155, but it already corrected 35% from its IPO debut Currently company is struggling to go down but the share market is volatile. As per the investor company should improve its financial performance and company growth and it is also saying that if the company focuses on the business performance it can grow.

About the company

NTPC Green Energy is a subsidiary of NTPC company in terms of green energy NTPC is the largest public sector enterprise in India. More than six state wind and solar power projects are spreading. As of September 2024 company’s current operational capacity includes 100 MW of wind power and 3220 MW of solar power. 91% of sales comes from solar energy, 4.5% of sales come from wind energy, and 1.5% of sales come from projects and consultancy.

News of the company.

On Feb 24 NTPC Green Energy (NGEL) collaborated with Madhya Pradesh power generating company to develop up to 20 GW project in renewable energy in the state of MP.

Conclusion:

As we know there is a future of green energy if you select the best company along with strong financial performance so it will be a good choice, however, NTPC Green Energy’s financial is not as strong as we expected but for the long-term we should focus and this is only for educational purpose not for recommendation so kindly consult with your financial advisor and then buy or sell it is just news.

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Index Fund Vs Mutual Fund Vs Stock.

Introduction:

In this blog, I’m going to share about index funds, vs mutual funds vs stocks. Which one is better for the investment? Index funds and mutual funds are always managed by fund managers but stock investment is done by the investor itself or with the help of a research analyst, if you have knowledge of how to select stocks it will give you an effective return. However, risk in stock investment is very high in comparison to mutual funds and index funds.

What is an index fund?

An index fund is a type of mutual fund that is passively managed by the fund manager. It is a mirror of the Nifty 50 and Sensex. The expense ratio in index funds is slightly low. Index funds replicate the Nifty 50 and Sensex. For example, if the Nifty 50 has a top 50 company, it means you are going to invest in a top 50 company.

What is mutual fund?

Mutual funds are pools of money from investors and that pool is managed by by qualified fund manager. Fund managers invest on your behalf and choose mutual funds for the investors. For managing your money asset management company charges a commission which is known as the expense ratio. In comparison to index funds mutual fund expense ratio is high but the return is also effective in mutual funds.

What is equity (cost)?

When you buy a share of the company so you become the owner of the company and shareholder of the company. In comparison to other funds, equity gives more return but it has more risk and is more volatile. If investors don’t have knowledge of how to select they can lose money in the stock market. Two ways investors can choose stock. A) fundamental analysis. B) Technical analysis.

Difference between Index fund vs mutual fund vs equity (stocks).

AspectsIndex fundMutual FundEquity (stocks)
Style of management.Index fund passively managed by fund manager.Mutual fund is pool of money which managed by fund manager and AMC.Equity is an actively managed fund. Investors should know about fundamental and technical analysis while investing in equity.
Fee And charges.Index fund having low expense ratio.Mutual fund having moderate expense ratio.Equity is an active fund that is managed by investors themselves, or he can seek the help of a financial advisor, who can charge a high or low fee.
Risk.Low Risk.Moderate risk.High risk.
Volatile.low.Moderate.High.

Conclusion:

Index funds, mutual funds, and equity funds have different features, nature, risk, and return. However, investors can choose wisely according to their capacity and risk. These are best for the long term and every investment should be long-term because long-term gives you compounding returns. Index fund vs mutual fund and equity become important arguments. Everyone wants to earn consistent returns so these are best for the long term so try to find out the best index fund and mutual fund, equity on the best website. But this is not a buying and selling recommendation. You can invest at your own risk.

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Top 5 index fund in India.

Introduction:

Today I’m going to discuss index funds, how they work, and share the top 5 index funds which is performing well in India. If you want to make a consistent corpus over a long period of time so index fund is a good option with moderate risk-effective return. if you don’t understand how to invest in equity mutual funds so index fund is a good choice for the long term.

What Is Index fund?

Index funds are a type of mutual fund or exchange-traded fund that is passively managed by a fund manager. This fund directly replicates the Nifty fund. For example, in the Nifty 50, the top 50 companies come, which means you will invest in 50 companies. The expense ratio is also very low in an index fund compared to any other mutual fund. The way Nifty 50 will perform the same way index fund will perform.

How does Index fund work?

If you want to invest in an index fund the fund manager of that index fund will invest your fund in stock in the same proportion in the index which they are tracking. For Example. TCS has a 12.4% stake in the nifty 50 fund so in the same proportion fund manager will invest in your fund and build a portfolio. When the weightage of stocks of TCS is 12.4% same way other companies of stock will be held in equal proportion to the index.

The fund manager of an index fund will also replicate the changes in his fund if the stock weghatge has increased or decreased in the index. New stock will added in the index fund when the old will be removed and fund manager will manage all these changes.

Index funds have a low expense ratio because fund managers manage it passively and it is the cheapest mutual fund.

Top 5 best index fund:

1- UTI Nifty 50 Index Fund: (Large Cap).

AUMRs 4581 CR
Min InvestmentRs 500
Return (P.A)16.95%
Expense Ratio0.35%

2- DSP Nifty Next 50 Index Fund (Large cap).

AUMRs 859 CR
Min InvestmentRs 105
Return (P.A)16.95 %
Expense Ratio0.26 %

3- Motilal Oswal Nifty Next 50 Index Fund (Large Cap)

AUMRs 289 CR
Min InvestmentRs 500
Return (P.A)16.88 %
Expense Ratio0.36 %

4- ICICI Prudential Nifty Next 50 Index fund (Large Cap)

AUMRs 6616 CR
Min InvestmentRs 500
Return (P.A)16.79 %
Expense Ratio0.31 %

5- Bandhan Nifty 50 Index fund (large cap).

AUMRs 1666 CR
Min InvestmentRs 500
Return (P.A)14.61 %
Expense Ratio0.01 %

Conclusion:

I hope everyone understands this index fund, one thing I would like to share with you is that an index fund is a better investment option but it will work for a long period of time when you invest consistently. The best part of an index is there is less expense ratio in comparison to mutual funds or any other fund. And you d not required to choose stock and mutual funds, fund manager works for you. Above I have shared the top index fund so you can check it and take a decision accordingly.

Disclaimer: I’m not a financial advisor or research analyst so take this for educational purposes only and I’m not giving any buying and selling recommendations.

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What is Financial Independence Retire Early: FIRE? How it works?

Introduction:

Financial independence: Retiring early is a strategy that provides financial freedom before the age of 30, 40, and 50, but it requires intense saving, budgeting, and investing to support your retirement corpus.

It is possible when you will able to strict saving budgeting and investing for your retirement and you have to make your investment strategically so you don’t need to work after the age of 30’s, 40’s, or 60’s. However, it is not easy but you can do it if you invest your money in a good financial instrument.

What is Financial independence retire early. (FIRE)?

Financial independence retire early is a practice where investors can retire early before the age of 30’s, 40’s, or 50’s. However, it is not easy but with the help of intense and strict saving and budgeting investing toward effective financial instruments, it will be more possible. If you are getting bored with your 9 to 5 office job so you have to follow some strict budgeting and saving strategy and invest your funds toward high-return financial instruments such as mutual funds, stocks, bonds, gold, etc. Nowadays it become more popular and everyone wants to follow this strategy in the future.

How Does Financial independence retire early works (FIRE)?

FIRE requires more intense saving budgeting as said earlier. if you invest your money in some high-yield investment scheme definitely you can achieve financial freedom.

Around 70% to 75% of your annual income and you should save then you can able be to invest for the future. FIRE makes you more piece full life if you invest wisely. I will explain with the table below.

Annual income20 lakh
Saving 50% of annual income10 lakh
Accumulate corpus2 Cr
Year20

Notes: You need to divide your 10 lakh by 2 Cr so you will get a year where you have to make your corpus 2 Cr in 20 years and you need to save 10 lakh for 20 years so it will become 2 Cr However, it is just a rough figure I’m explaining here.

How to implement FIRE?

Before making a corpus there ii some important points to keep in mind so below are the points I m going to explain.

A)- First make a budget: Define your income source and expenses and you should have a solid budget plan and manage it accurately and precisely so budgeting is very important while making FIRE successful.

B)- Aggressively reduce your expenses: Saving an investment plan is not enough to make a great corpus you must focus on your expenses and reduce them aggressively so you will able to manage and grow your corpus.

C)- Make your Financial Plan: Now you have to identify your financial goals such as how much you can take a risk, if you are an aggressive risk taker you should park your savings into equity or any other market-related investment. If you are conservative toward your risk you can invest your fund in fixed deposits, any pension scheme, or govt security.

D)- Be Disciplined: If you want to make a consistent corpus you should be more disciplined toward your investment journey other wise it will not work effectively.

C)- Keep Tracking Your Progress: Monitoring your investment at regular intervals becomes necessary when you are trying to achieve your financial freedom journey.

Types of Financial independence retire early.(FIRE)

1- Fat FIRE: When you retire with high savings and a comfortable lifestyle. Fat FIRE says when you are able to save more and invest it properly in the end you get a more comfortable life.

2- Barista FIRE: When investors have huge savings but want to work part-time and get more after retirement.

3- Lean FIRE: Lean FIRE means your investment covers only basic needs like food, transportation, and rent. It is simple to say that you can retire with minimal lifestyle and expenses.

4- Coast FIRE: It says you have to save enough money for your retirement and you can just earn money for daily life-going expenses. As your parked money grows at an existing rate.

Conclusion:
As I discussed above FIRE we have understood better way Financial Independence Retire Early is a great strategy to retire early in your 30s, 40s, and 50s year of the age, you have to strictly make your financial budget and saving and invest effectively if you follow all the required strategy definitely we can achieve your financial freedom very carefully your budgeting, saving, investment should be in the right way so that you can achieve your goal very effectively and plan your budget and most important expense reduce your expenses and make your more investment effective.

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Difference between Large capital, Medium capital and Small capital.

Introduction:

As we know, there is a lot of confusion regarding large capital, medium capital, and small capital that we don’t know how to recognize. So today’s topic is dedicated to this information. I will decode it briefly so you can learn more. Kindly stay tuned and read all the details carefully.

What is Market Capitalalisation?

First, we understand what market capitalization is. Market capitalization refers to the total value of the company when you multiply the total outstanding share by the market price of the share you will get market capitalization. For example, the total number of shares XYZ is Rs10000 and the price of XYZ shares is Rs 100. So the total no of shares of Rs 10000 multiplied by the market price of shares Rs 1000 equal to Rs 10,000,000. So this is a total market capitalization of Rs 10,000,000.

Now We will discuss Large capital, Medium Capital, and Small Capital.

What Is large capital?

Large capital refers to bluechip company and Sebi developed some criteria for large capital. The top 100 companies come into the large cap and their total market capital is Rs 20000 crore or more. Mutual fund companies invested in the top 100 companies and that will be large cap mutual funds. Large capital has a good track record and it performed well in comparison to other funds or capital.

What is Medium capital?

Medium capital refers to those which have 100 to 150 top companies come into this Medium capital. Medium capital worth Rs from 5000 crore to 15000 crore. Mid-cap also has a good track record but less than large capital and more riskier than large capital. Mutual funds that hold these companies become mid-cap mutual funds.

What Is Small Capital?

From the top 150 companies to 250 companies come in small capital and it is very riskier than large-cap, mid-cap. And total market capital of small capital is less than 5000 crore.

Small capital doesn’t have a good long track record, mainly startup companies come under small capital which is in the development phase. In small Capital, the return is higher but also risk is high. Will understand with the below table.

Difference between large Capital, Medium Capital, and Small Capital.

Aspects.Large Capital.Medium Capital.Small Capital.
Market Capitalization.More than 20000 crore.Between 5000 to 15000 crore.Less than 5000 crore.
Company type.More established and stable.Potential growth and well-established.High growth and more risk.
Volatility.Low.Moderate.High.
Risk.Low.Moderate.High.
Return.Stable and steady.Moderate and potential for high return.High return but more volatile.
Liquidity.High.Moderate.Low.

Conclusion:

Large capital, mid-cap, and small-cap are performing according to the performance of the company but we can choose according to our risk appetite. Large-caps are more stable and established in comparison to mid-cap and small-cap. Mid-cap and small-cap are more riskier than large capital. If you want to go for a high return so you can go with the small cap but the risk is very high in the small cap. If we talk about mid-cap risk and return will be moderate so choose your best and always keep in mind that investment should be long-term then you can reap more profit. Thank you and I hope you got all your points.

Disclaimer:

This is only for educational purposes and there are no buying and selling recommendations so take your decision at your own risk and you can also discuss with your financial advisor.

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How to Read an Annual Report.

Introduction:

The annual report is an official document and marketing tool that attracts many investors to invest in the company. The annual report represents the overall information about the company from its foundation to its growth. We will discuss the importance of this document and how investors can unearth important information about the company, so to learn more, stay tuned and read the entire article.

What is the annual report?

The Annual report is the marks sheet of company that provide the information about the company like what company does, what service and product provide to customers, it also provide the information business overview, financial information, reveal the management information, it reveal all the detail of company. Through the annual report investor take decision for the investment in a company. Most of the investor lost their money due to unaware about the company information.

Advantages of reading annual reports.

The Annual report provides the most accurate and reliable information about financial statements, business models, shareholder patterns, prices, and financial ratios. Investors can get the most accurate data about the company’s details through the annual report and make decisions accordingly, its scorecard of the company. We will discuss one by one which points are more important to read the annual report.

10 points to keep in mind while reading the annual report.

1- Business overview and model of the business: What company do and what products and services are provided to customers so basically it reveals the most reliable information about the business and its market position.

2- Managing director and Charmaine’s letter: This section provides information on past company performance, future prospects, challenges faced, and current operating information. Compare the letter with the previous letter to check whether the company has achieved its business objective and make sure the business strategy is consistent or not.

3- Management Discussion and Analysis (MD&A): This section provides reliable and accurate information about the company’s risks and opportunities, economic trends, industry, and operating information. This section provides valuable insights into the company which represents the economic factors, industry trends, and specific challenges that the company faces.

4-Company’s financial statement: It represents the company’s financial health and performance and it says about the balance sheet, profit and loss, and cash flow statement. So based on this section investors can look deeply into it and make decisions accordingly.

5-Footnotes: Footnotes provide detailed information about the additional information of the company so while reading the annual report pay more attention to this section carefully.

 6- Corporate Governance Report: This section provides the information about company’s board of directors, independent directors, attendance of directors at board meetings annual general meeting, remuneration of directors, and re-appointment of directors, after the term ends.

key point to keep in mind while assessing corporate governance.

1- Who are the significant investors in the company?

2- What is the right of shareholders.

3- Check their credit rating and policies.

4-Who represents shareholders on the company’s board?

7-Audit report: The auditor report reveals the company’s financial health, and it also reveals the company’s accounting policy, and internal controls, and also represents the auditor’s opinion, You can also check the auditors of the company and their qualifications effectively.

8- Directors reports: This sections reveal the major development, financial statement, financial position, and financial health of the company. Also, reveals the strategies from the board’s perspective, it says about the company’s capex plan, and the order book that the company achieved as of financial year end, so it reveals the financial summary of the company. If you pay attention to this section it will reveal a quick analysis of the company.

Conclusion:

The annual report is a very important report card of the company as you want to be a successful investor or trader so you have to walk through the annual report it will reveal more and accurate information about the company. Most of the investors make losses due to unaware of the company information what the company does what is their company model and what products and services they are cater to customers.

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Top 7 best personal finance applications in India.

Introduction:

Hello, reader. Today, I’m going to discuss the best finance application for investing, saving, and trading. Nowadays, most people aren’t aware of how they can find stock, how to save, or where they can do trading. They also don’t know which platform is good for mutual investment and bond investment.

If you are an early investor and don’t have much exposure and knowledge about how to save and invest your savings and which application you can use so you are at the right place, to learn more kindly stay tuned and read all the articles.

1- Groww App: As we are very curious about mutual funds but don’t know where to invest so if I talk about my self so I personally use the Groww app which is completely dedicated to mutual fund investment and it is also regulated by SEBI Securties Exchange Board of India. Simply go to ”Google Play Store” download it easily and start investing into it.

2- Zerodha Application: If you want to be an equity investor you can use the Zerodha application for trading equity, simply open a demat account with Zerodha and start investing. Zerdoha AMC is a very trusted AMC across India. I personally use Zerodha for equity trading. It is available at the Google Play Store.

3- Wint Application: The Wint app is totally dedicated to bonds and if you want a 9% to 12% fixed return so Wint application is good for bond investors it is regulated by SEBI (Securities Exchange Board of India). In india, as we know bonds and FD are very popular if you want to invest in bonds go with the Wint application.

4-ET Money: ET Money does not only track your financial expenses even it is also very useful for equity or mutual fund investment. If you want to know more about taxes ET Money is a good option. It provides authentic insights about mutual funds, stocks, and so on. If you want to track your expenses you can just simply synch your bank details with ET Money.

5-Coin: The coin application is backed by Zerodha and it is fully dedicated towards mutual fund investment, it is available at the google play store.

6- IND Money Application: IND Money Application is also a very effective application to track your all investments at one place just simply sync your all investments with IND Money and you can easily track them. And mostly it is very popular for Foreign investment and if you want to invest outside the Indian market so this app is a good option for buying and selling foreign equity.

7- Dhan Application: Dhan App is dedicated to mutual funds and equity investment platforms, it is regulated by SEBI (Securities Exchange Board of India). If you want to equty investement or intraday trading so dhan will be a good option.

8- Paytm: UPI Payment, stocks investment, gold investment, travel ticket, movie ticket, banking transaction, money transfer Paytm is a good option and is also regulated by RBI and SEBI, It is a safe and regulated platform. And it is available at the Google Play Store.

9- Trading View: If you want to check stock charts on a daily basis so Trading View application is the best option which everyone uses it on a regular basis. If you want to do technical analysis and want to know candle chart patterns so trading view is a good choice.

10- Screener.in: This application is awesome I personally use it for tracking and reading the fundamentals of the company if you want to track the financial ratio, balance sheet, promoter holding, profit and loss, and financial ratio so screener. in is a good choice.

Conclusion:

So many applications are available in the market and it is very important which one you are using so today it is very easy to track expenses and investments at the right time so above I have shared all the details you can check out to make your personal finance journey easy.

Disclaimer:

The above detail is shared just for educational purposes and I’m not recommending buying and selling because investments in securities are subject to market risk please read all terms and conditions carefully and take a risk on your own.

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Digital Gold: How to buy digital gold?

Introduction:

Hello reader, today I’m going to share with you regarding digital gold, how to buy it, and how to invest in it. To learn more, stay tuned and read the entire article so you will understand this topic. Nowadays, we know that the share market is crashing, and falling continuously but gold is performing well, so today’s topic I will discuss briefly.

What is digital gold?.

When you don’t want to buy physical gold or store it so most of the people go for digital gold which is easily available in online platforms such as Paytm, Phone Pay, and Google Pay. The most important feature of digital gold is there will be no fear of theft. The price of physical gold affects the value of digital gold, it is a secure and dependable investment choice. when the physical gold price increases or decreases same way digital gold price also works the same as physical gold it is very simple and accessible.

How to invest in digital gold?

So many platforms provide the facility for buying and selling digital gold such as Paytm, phone pay, Google Pay, and more. If you want to buy digital gold you can easily buy it including gst charges and keep it as many as you want.

Advantages of digital gold?

Secure storage: The way you keep your share in a demat account same it is apply for digital gold you can easily keep it with a platform from where you have bought it. There will be no chances of lost, destroy, and theft so its storage is very safe.

Start with minimum investment: No high amount of money is needed to buy digital gold if you have 100 Rs you can buy it worth of 100 Rs gold.

lenders accept it as collateral: If anyone wants a loan they can use it as collateral for the loan and no paperwork work needed much for this.

Ease of exchange: If you want to buy physical gold and coin so you can easily convert your digital gold into physical gold. Liquidity and flexibility is very high in digital gold.

100 % purity in digital gold: Virtual gold is 24K and thus comes with 99.99% purity. There are no chances of fraud involved in digital gold buyers should not worry about purity also. Buyers will get value for what they have paid.

Disadvantage of digital gold:

No regulatory body: In digital gold, there is no regulatory body involved so it is a very high risk involved in it. This means of lack of regulations and agencies associated with the digital gold trade.

Storage Time Limit: Digital golds are very secure and safe across the platform but many platforms provide such storage facilities for a specified period of time. They ask to sell it or withdraw it.

Three platforms deal with digital gold:

Digital Gold India Pvt. Ltd. (SafeGold)

MMTC PAMP India Pvt. Ltd. 

Augmont Goldtech Ltd. 

So these entities have licenses to deal with digital gold.

Conclusion:

Digital gold is a safe investment in comparison to physical gold, In digital gold there will be no chances of theft and loss, destroy, however, it is very simple to buy and store it without any worry. Digital gold works just like physical gold price the way it performs digital gold will also perform. As we know gold has been performing very well since December 2024 and might touch Rs 90000 very soon. So if you want to invest in Digital gold kindly consult with you financial advisor. This is not buying and selling recommendation.


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