The Financial Circle

Mutual funds are one of the most popular investment options for beginners and experienced investors alike. But if you’ve ever looked at a mutual fund’s details, you may have noticed a term called “Expense Ratio.” Understanding this can help you choose funds more wisely and improve your investment returns. What is Expense Ratio? The…

1. What Is NAV? NAV stands for Net Asset Value — it’s basically the price of one unit of a mutual fund. Think of it like the share price of a mutual fund. Formula: \text{NAV} = \frac{\text{Total Assets – Total Liabilities}}{\text{Total Number of Units}} So, if a mutual fund’s total assets are ₹100 crore…

Inflation eats into the purchasing power of your money. To protect wealth, investors often turn to asset classes that can beat inflation. Two of the most popular choices are Gold and Equity (stocks). But which one works better as an inflation hedge? Let’s break it down. Gold – The Traditional Safe Haven Gold has…

When you start your investing journey in India, one of the first terms you’ll hear is “Sensex is up today” or “Nifty closed in red.” But wait — what exactly are Sensex and Nifty? And more importantly, which one should YOU actually follow as an investor? Let’s break this down in simple terms. What…

When it comes to saving tax under Section 80C, two popular choices are ELSS (Equity-Linked Savings Scheme) and PPF (Public Provident Fund). Both help you reduce your taxable income, but they work very differently. Let’s break them down so you can choose the right option for 2025. 1. What is ELSS? ELSS is a…

When building a stock portfolio, one of the biggest questions investors face is whether to focus on dividend stocks or growth stocks. Both have the potential to create wealth, but they work in very different ways. Let’s break it down and see which strategy may suit you best in the long run. What Are…