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About Insurance Planning

“An arrangement by which a company or the state undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.”

Insurance is an arrangement in which you regularly pay money to a company, and they pay you if something bad happens to you or your property.


About Stocks Market

All companies need money to run their business. Sometimes the profit acquired from selling goods or services is not sufficient to meet the working capital requirements. And so, companies invite normal people like you and me to put some money in their company so that they can run it efficiently and in return investors get a share of whatever profit they make. Understanding this is the first step towards understanding stock market basics. Let’s learn about this in detail.

Expound the actual teachings of the great explorer of the truth, the labour master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful or again is there anyone who loves or pursues.


What is Mutual Fund?

A mutual fund is not an alternative investment option to stocks and bonds, rather it pools the money of several investors and invests this in stocks, bonds, money market instruments and other types of securities.

Buying a mutual fund is like buying a small slice of a big pizza. The owner of a mutual fund unit gets a proportional share of the fund’s gains, losses, income and expenses.

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Key Benefits

Purchasing stocks of companies operating in different sectors as well as segments is possible, which helps in optimising the asset-allocation and provides diversification.

Over the years, ordinary shares are said to have won the battle against inflation rate providing enough returns and growth.

Tax is another factor eating up gains, investing in ordinary shares helps you maintain the rate of returns on investments.

Updates and innovations in technology especially in the area of Fintech is the reason, one gets ease of access to stock markets with considerable reliability. Input a few information asked from you by the exchange and brokerage houses or mutual fund houses, and you are ready to partner India’s growth story within few seconds.

India is an emerging country, growing at a decent pace, with stock markets there exists an opportunity to be a part of India’s growth story and profit from it.

Equity Markets have the reference of 2 creatures – Bulls and Bears. Bull is when the markets are in uptrend, and Bears is when the markets are in downtrend. Value Investing means buying or holding the stocks at every bear or negative movement and selling at every positive or bull movement and making profits on your investments.

Stock Market gives the opportunity to be a global investor by investing in Shares of companies headquartered overseas being listed on Indian Stock Exchanges, exploit the profit opportunities from the company’s expansion plans and making money for a better standard of living.

There are certain companies or business houses and sectors which we love to track and at times imagine if we had the opportunity to run that company or business. But being a retail investor with limited financial capacity, that might not be possible. However, we can partner the same business by buying the shares of the company and becoming part owner of the company we love.

Stock Market Basics

What are shares?

Shares are a way to own a part of the company’s value. In proportion to the capital you invest, you can get ownership rights to a certain percentage in the company. Say you own 2% of the shares being traded in the market, you can say you have 2% ownership in the company.

Why do companies need shares?

Why does a company need money from the market? As mentioned before, when a company is scaling up, expanding its business etc, it will need more capital. During such times, a company can tap into the share market and offer a certain number of shares based on its market value, which investors can buy.

How does a company list its shares?

Another important aspect of share market basics is Initial Public Offering (IPO). The first time a company offers its shares to the public, Under the rules and regulations of Securities and Exchange Board of India (Sebi) it is called an IPO.

What is SEBI ?

Securities and Exchange Board of India is the securities market regulator to oversee any fraudulent transactions and activities made by any of the parties: companies, investors, traders, brokers and the likes.

How do you make money?

Naturally, when you buy shares at a lower price and sell it at a higher price, you earn the capital gain. However there are two ways you can do this and if you are a beginner, it is especially important for you to know the difference between stock trading basics and stock investment basics. There are two ways

Stock investors & Stock Traders

Stock investors are those who keep their money in the stock for a longer period of time, sometimes even years. Returns are compounded over a period of time. Investors use fundamental analysis. Stock traders generally buy and sell within the same trading session. Traders use technical analysis to understand which stocks to invest in

Requirements to Invest in the Share Market

Let’s first look at what you need to begin investing.

  1. PAN Card– It is mandatory to have a PAN Card to invest in stocks
  2. Demat Account– This is the account that will hold the shares in the name of the buyer. You can open a Demat account with any depository participant. Most banks offer Demat account services. New age investment platforms also offer Demat account opening in a hassle-free manner.
  3. Trading Account– To start making a stock market investment, you need a trading account with a stockbroker. Remember, stockbrokers, register with stock exchanges. While most good-quality stocks are listed on both primary exchanges (BSE & NSE), some might only be available on either of the two. Ensure that you open a trading account with a broker registered with both BSE & NSE.
  4. Linked Bank Account– Since you are investing in stocks, you will be buying and selling them over time. Hence, you will need a bank account that is linked to your trading account to ensure that money flows in and out of your account seamlessly when you transact.

Documents Needed

  1. PAN Card
  2. Aadhaar Card
  3. A cancelled cheque from your bank account with your name on it
  4. Proof of address (from the list of documents accepted by the bank/depository participant/broker)
  5. Proof of income
  6. Photographs