Heena Sharma Blog

The share market might seem like a complex world, but understanding it can be easy. In fact, the entire market is divided into various sectors. These sectors categorise companies into groups based on their business.

  Creating a budget is one of the best habits that can assist you in managing your finances more effectively. A budget can help you see where your money is going and what you need to do to control your expenses and increase your savings. Moreover, sometimes what not to do is just as important as how to manage your finances. Let’s delve into what a budget is, why it is necessary, and how to create one. Not only that, but we will also discuss 7 common myths about budgets that are prevalent among people. What is a Budget? Money holds significant importance in life, but managing it properly is equally crucial. Sometimes, expenses seem to escalate to the point where it becomes unclear where the money is going. That’s where budgeting comes in! In simple terms, a budget is an estimate of your future income and expenses. You can create it for a month, a year, or for a specific goal. Governments create budgets, companies create budgets, and you can create your own budget, regardles...

  Dreaming of a life free from financial worries? Achieving financial independence, where you can pursue dreams and secure your family’s future, often feels out of reach amidst debts and expenses. But fear not. This guide offers actionable steps to help you break free from financial constraints and embrace true freedom. Financial freedom is the power that allows you to live life on your terms, fulfilling dreams for yourself and your family without the pressures of a job, with the freedom to choose any path. But this dream remains out of reach for many. Growing debt, and unwanted expenses, there are many paths that lead us away from financial freedom. But worry not. If you are about to take your first step towards financial independence , we are here to support you. Let’s dive in. What is Financial Independence? The definition of financial independence can vary for everyone. For some, it could mean a debt-free life. For others, it could be having a stable job that meets th...

  Today we are going to talk about budgeting because, without a systematic budget, your financial plan can go awry. To understand how to create a good budget, you should know about the 50/30/20 rule. Let’s discuss this rule in detail. What is the 50/30/20 rule? If you are someone who finds it difficult to control spending habits and save enough for investments, then you should know about the 50/30/20 rule. By following this rule, you can significantly improve your personal finances. Let’s understand this rule in simple terms. According to this rule, a person should allocate 50% of their income for basic necessities, 30% for wants or desires, and the remaining 20% for savings and investments. This rule helps in setting a cap on each of these categories and ensures that you are capable of fulfilling your needs without compromising on savings and investments for the future. It also brings discipline to your financial management because you will already know how much to spend a...

Welcome, October! Diwali is just around the corner. You might have some travel plans this month. Why not we together create a plan? Not a travel plan, but a monthly investment plan! Here are five guidelines for creating a monthly investment plan and sticking to it: Take Note of Your Current Financial Position To start something, you should first assess where you stand. Similarly, to create a monthly investment plan, you should examine your income, savings, and expenses. If one’s standard of living is growing faster than income, then there’s a need to either increase income or decrease expenses. It will also help you prioritise which expenses are necessary and which ones you can cut down. Failing to do this can derail one’s financial well-being. Account for Festive Expenses With the onset of festivals such as Dussehra and Diwali, it is better to draw up a festival budget where you can list down all your necessary spending needs and thus make provisions for your investments to be made i...

  How To Create a Monthly Investment Plan (and Stick to It)? Welcome, October! Diwali is just around the corner. You might have some travel plans this month. Why not we together create a plan? Not a travel plan, but a monthly investment plan! Here are five guidelines for creating a monthly investment plan and sticking to it: Take Note of Your Current Financial Position To start something, you should first assess where you stand. Similarly, to create a monthly investment plan, you should examine your income, savings, and expenses. If one’s standard of living is growing faster than income, then there’s a need to either increase income or decrease expenses. It will also help you prioritise which expenses are necessary and which ones you can cut down. Failing to do this can derail one’s financial well-being. Account for Festive Expenses With the onset of festivals such as Dussehra and Diwali, it is better to draw up a festival budget where you can list down all your necessa...

You must have heard stock market pundits often emphasizing on the importance of research and finding the value in a stock. There will be people out there vouching for their expertise with fundamental or technical analysis. However, there is a 0theory in the market that rubbishes all these claims. It’s called the efficient market hypothesis (EMH). EMH as the name suggests is a hypothetical theory. It essentially says that all known information is already factored into the stock price. Hence, no amount of analysis can give one investor an edge over the other. As per the EMH theory, stocks always trade at their fair value on exchanges. Hence, it is impossible for investors to purchase undervalued stocks. Or, sell stocks for inflated prices. It raises a few direct questions on popular analysis techniques. It asserts that with all new information priced in, neither technical nor fundamental analysis can generate excess returns. Therefore, it should be impossible to outperform the overall m...

Every financial investor will encounter a trade-off between returns and risks. The reward for greater risk is greater returns. However, it would be best to consider your risk appetite before making any investment. Each investment has a different level of risk. The more you diversify your investments in your portfolio, the lower your overall risk will be. Let us understand what affects the performance of assets and how you can quantify the amount of risk you may face. What is portfolio risk? Portfolio Risk is the total risk determined by the individual risk associated with each asset you hold in your portfolio. The assets you own may fail to perform financially as expected. As a result, it leads to a substantial amount of loss. There are multiple causes for it and different ways to mitigate each category of risk. Let us see what the various types of risks are. Types of portfolio risks Risks involved with individual securities To understand the overall risks involved in portfolios, let ...

Mutual fund investments come in various forms. You can pick equity funds for their potentially attractive returns or debt funds for their stability. If you want the best of both worlds, you can pick balanced funds that combine both equity and debt instruments. Different funds, different characteristics. Each of these funds helps in fulfilling the different investment needs of the investors. More and more investors have started investing in a more sustainable manner. Sustainable investing can be done in three ways – socially responsible investing, impact investing, and ESG investing. know more about the first two categories, read our article on Impact Investing Vs Socially Responsible Investing on the Teji Mandi blog. As for ESG investing, let us get into its details here. ESG investing involves ESG funds, which are a type of mutual fund scheme that follows the ESG investment theme. Let’s elaborate. ESG Theme – the concept ESG stands for Environmental, Social and Governance. The ESG the...

Are you new to investing and unsure how to navigate the capital markets? You have come to the right place. TejiMandi carries the legacy of Motilal Oswal Financial Services, as a direct subsidiary of the behemoth. As SEBI-registered portfolio managers, our teams of in-house experts have solutions to all your investing queries and are adept at provisioning tailored portfolio management services to you. The capital market is a platform where buyers and sellers trade various financial instruments such as bonds, stocks, and other securities. It is a medium for transferring capital from investors to companies that need the money to finance business ventures and investments. The term ‘capital market’ includes in-person and digital trading spaces with further classification into primary and secondary markets. Here’s an in-depth look into the primary market vs secondary market differences and their meaning. However, it is pertinent to understand the types of securities that investors encou...

In the world of finance, staying informed is the key to successful investing. Whether you're a seasoned trader or a novice in the share market, having the right tools at your disposal is essential. The Teji Mandi share market app emerges as a comprehensive solution to your share market needs. In this article, we will delve into how the Teji Mandi share market app empowers investors with the information, insights, and tools necessary for making informed investment decisions. Expert Stock Recommendations: For those who seek professional guidance, the Teji Mandi share market app provides expert stock recommendations. Seasoned analysts offer insights and recommendations, aiding you in making prudent investment decisions. This feature is valuable for investors who appreciate expert advice. User-Friendly Interface: The Teji Mandi share market app's user-friendly interface caters to investors of all levels of expertise. Navigating through the app, accessing your portfolio, and ...

  In the fast-paced world of finance, technology has played a pivotal role in democratizing investment opportunities for individuals. One such innovation that has gained prominence is the Teji Mandi app, a platform that offers access to a diverse range of investment portfolios known as smallcases . In this article, we delve into the nuances of the Teji Mandi app and its integration of smallcases, revolutionizing the way investors approach the stock market. Understanding Smallcases: Before we delve into the Teji Mandi app, it's essential to comprehend the concept of smallcases. A smallcase is a modern investment instrument that bundles a group of stocks or exchange-traded funds (ETFs) strategically curated around a specific theme, idea, or sector. These portfolios are designed to offer investors a diversified and well-researched approach to capitalizing on market trends and opportunities. Teji Mandi App: Unveiling the Platform: The Teji Mandi app serves as a gateway for inv...

  What Is Smallcase and How Does It Work? India’s investment landscape has changed dramatically in recent years, with the introduction of digital platforms and the rise of mutual funds as popular investment vehicles. Smallcase is a new investment platform in India that offers a unique way of investing in the stock market through theme-based portfolios. A Smallcase is a basket of stocks designed around a particular theme or sector managed by SEBI-approved fund managers. This innovative investment approach brings an element of diversification to investing in the stock market. With low minimum investment amounts and well-rounded theme-based asset classes, Smallcases are an affordable investment option that won’t break the bank account. Smallcases provide the services of a qualified RIA for the price of a mutual fund investment and offer the easy purchase of thematic investments. Instead of buying each company’s share one piece at a time, you can buy a theme or idea as a bundle...

  Stocks have a reputation for being the ‘rockstars’ of the investment world. Many people have made fortunes from investing in the stock market, and it's no secret why. Historically, stocks have provided higher returns than other asset classes in the long term. However, with the potential for high returns comes higher risk. But, despite the risks, a well-managed stock portfolio can be a powerful tool for generating income and building long-term wealth. So, are you looking to build a stock portfolio? If yes, read this blog to understand all nuances of a portfolio and how you can build best stock portfolio for long term in India. What is a portfolio in the stock market? A stock portfolio is a collection of stocks or equities that represent ownership in a company and are traded on stock exchanges. Building a stock portfolio is a popular investment strategy, as stocks have a historical track record of providing higher returns than other asset classes over the long term. When c...

  Investing in the stock market can be a daunting task, especially for beginners. Putting your hard-earned money into the unpredictable world of stocks can be intimidating. With so much information available online, it's easy to get overwhelmed and confused. This is where stock market experts and advisors come in. They have the experience and knowledge to help you navigate the market and make informed decisions. But what makes someone a stock market expert? Is it years of experience, a certain level of education, or a combination of both? In this article, we'll dive into what it takes to become a stock market expert and how you can benefit from using one. Who are stock market experts? A stock market expert is an individual who has a deep understanding of the securities market, including stocks, bonds, and other financial instruments. They also have extensive knowledge of economic trends, market conditions, and company financials. The expert is also someone who has experi...