Financial literacy is the knowledge of budgeting, savings and investing, enabling individuals to make informed decisions about their personal finances.
Implementing living wages is more than just a moral decision; it’s a step toward sustainable growth and improved employee well-being. However, many companies and small businesses face significant hurdles on this journey. In this blog, we’ll explore the key challenges, practical solutions, and actionable strategies that small businesses can adopt to make living wages a … Read more
Paying fair wages isn’t just a nice gesture — it’s a powerful business strategy. While there might be concerns about the short-term costs of implementing living wages, the long-term benefits often outweigh the initial expenses. From increased employee retention to enhanced brand reputation, let’s explore how businesses can gain a competitive edge by committing to … Read more
In a world where the cost of living keeps climbing, earning a living wage — enough income to meet basic needs — is more important than ever. While minimum wage laws exist, they often fall short of covering essential expenses like rent, food, healthcare, and education. So, why is advocating for a living wage critical? … Read more
Education is often the key to unlocking one’s potential, but financial constraints can prevent talented students from pursuing their dreams. The Government of India, led by Prime Minister Shri Narendra Modi, has approved the PM Vidyalaxmi scheme to ensure that no deserving student is held back due to financial limitations. This scheme, part of the … Read more
Participating in an Initial Public Offering (IPO) can be both thrilling and daunting, especially when market conditions change rapidly. While some investors anticipate substantial gains, others may face unexpected challenges that leave them wanting to cancel or modify their applications. In this article, we will explore the official methods for IPO cancellations across different investor … Read more
In the ever-evolving world of finance, traditional investments like stocks and bonds no longer hold the monopoly on investor interest. Over the years, alternative investment strategies have emerged, offering savvy investors new avenues to diversify their portfolios, seek higher returns, and hedge against market volatility. One of the most iconic examples of early alternative investments … Read more
In 1974, the British Rail Pension Fund (BRPF) made a bold and unconventional decision: it invested in art. This move was unprecedented at the time, as pension funds traditionally invested in stocks, bonds, real estate, and other conventional assets. But with stock markets underperforming and inflation rising in the 1970s, BRPF was forced to look … Read more
Understanding SEBI’s Report on Algorithmic Trading and Its Impact on Retail Investors The financial markets have been revolutionized by algorithmic trading, a technological advancement that has given proprietary traders (prop traders) and Foreign Portfolio Investors (FPIs) a significant edge. According to SEBI’s recent study, algo trading has accounted for more than 96% of their profits … Read more
Retail investors have long been attracted to equity derivatives, especially in futures and options (F&O) trading, hoping for quick financial gains. Yet, a recent report by the Securities and Exchange Board of India (SEBI) offers a startling reality check: 93% of retail investors suffered significant financial losses in this market between FY22 and FY24. What’s … Read more
The landscape of non-institutional investors in Indian IPOs has experienced a seismic shift, thanks to recent SEBI policy changes. This article dives into the segmentation of NIIs into small-NIIs and big-NIIs, exploring how these new rules are revolutionizing IPO participation, oversubscription rates, and market stability. Understanding SEBI’s New NII Segmentation: Small-NIIs vs. Big-NIIs Historically, non-institutional … Read more