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The Psychology of Investing – Why People Fear Long-Term Plans

Ranjitha Sahu, a 34-year-old self-employed content creator, lives in Delhi. Ever since she started earning, she has been investing and saving religiously. However, usually the tenure of her investment plans is short, a few months at max! Like many others, Ranjitha fears the idea of long-term investments. Talking to her husband, she often says, “What if I need that money or what if the market crashes or what if I don't live long enough to enjoy returns?” One day, her husband, Pritam, finally sat her down and explained the importance of long-term investment plans. He also gave her some helpful tips to overcome these fears for more practical investments in the future. It took some time, but Ranjitha did start to understand that investing for the long term is more about human psychology and that her long-term investment habits are actually benefiting her in multiple ways. Let's discuss some of the tips given by Pritam Sahu in this guide!

Investment

The Rise of Micro-Investment Platforms in India

Raha Lamba, a 24-year-old budding fashion designer living in Kolkata, always thought investing was a faraway dream for her. Between the expenses like her hostel rent, coffee breaks, and tuition, she could hardly save anything, leaving her feeling like saving was impossible for her. A few months back, Raha made a new friend, Diya, who told her about micro-investing. She suggested that with such investment plans, Raha can start with even ₹500, that too on her phone. Raha first laughed at that, but when Diya explained, she got the idea. Over six months, with the power of small, consistent micro-investments, Raha could turn her small chunks into a few thousand. This felt like an achievement for her, where she wasn't simply spending but growing her money. Similar to Raha, people who once thought investing was for the rich are now able to engage in the finance world, thanks to the rise of micro-investment platforms. Continue reading to learn more about these, their features, benefits, and much more.

Investment

Why More Women Are Choosing ULIPs Over Traditional Plans

Sunaina Sahi, a 33-year-old marketing expert living in Agra, wants to build her financial independence. At the same time, she's also looking to secure the financial future of her child. She's overwhelmed with choices: are traditional savings plans enough for her? Or should I choose something growth-oriented? The recent data offers some direction: - 18% of total investments in ULIPs are held by women as of February 2025. - Women between 31 to 45 years of age are leading investments in ULIPs. The data and the recent choices highlight a clear trend: women are moving beyond conventional choices. They are actively looking for investment plans that offer them protection plus wealth creation opportunities. ULIPs, with their dual benefit of insurance and investment, can help meet these demands better. Read on to understand why more and more women are inclining towards ULIP investments, their features, benefits, and much more.

Investment

“Goal-Based Investing” – Why It Works Better Than Random Saving?

Druv and Payal, a Mumbai-based couple working in an MNC, have been diligently saving to buy their dream home in Mumbai. They have been setting aside their money in recurring deposits and fixed deposits to build a corpus for a down payment. However, when the time came, their corpus was not enough to make even 10% of the down payment. This is when they realised their random saving lacked a specific target, a structure and more importantly, a purpose. Savings are crucial, but investing money with a clear goal is even more important to grow your savings in alignment with the milestones of your life. Be it buying a home, a dream vacation, children’s education or building a retirement corpus, a goal-based investing approach is vital for wealth creation in a structured manner.

Investment

Safe Investments with High Returns in India 2026

For most risk-averse investors, the aim is to invest in assets that offer a balance of low risk and high returns. Whether you want to start investing or expand your investment portfolio, it is vital to learn about different types of investment options. The market offers a range of options, including government-backed schemes, market-linked products, and more. So, to choose the right one, you need to analyse and compare the available options. Low-risk investments are not just good for risk-averse investors; they also help mitigate risk in an investment portfolio. In India, there is a range of low-risk investments that also offer high returns. Read on to learn about various safe investments with high returns in India.

Investment

PPF in Post Office: What It Is, How It Works & Key Benefits

When it comes to safe investment options, PPF in the post office is often a popular choice. With a 15-year tenure, the Public Provident Fund is a long-term investment plan that is backed by the Government of India. If you are looking for tax-efficient wealth creation that combines assured returns with disciplined savings, then a Post Office PPF account can be an ideal solution. Be it a retirement corpus, planning your child’s future, or building a financial cushion, a PPF can fulfil a variety of financial goals. However, before you open a PPF account, it is essential to understand its lock-in period, withdrawal rules, tax benefits, etc. Read on to learn everything you need to know about public provident funds.

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Jio Insurance Broking Limited
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Valid upto: 11/03/2028
(Renewable)

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