Demat Account: How to check transaction history? Here’s a step-by-step guide

A demat account functions similarly to a bank account or an online wallet, but instead of storing money, it holds your financial investments, such as bonds, equities, and mutual funds. To utilise this service, you need to open an online demat account with a registered broker. This digital approach facilitates easy trading without requiring manual […]

How to choose the perfect property investment strategy

The UAE attracts different kinds of property investors, and the availability of diverse options means home buyers can choose a unit that is best suited for either a short-term or long-term lease. This decision is usually based on various factors such as rental yields, capital appreciation, location, market conditions, supply and demand and individual investment […]

How to stay protected from pig butchering financial scams? Here are 7 key steps

In simpler terms, pig butchering is a version of smishing where scammers use social media platforms for cyber theft. As the name suggests, the victim is being ‘fattened up’ through validation and friendship before ‘butchering’ i.e. stealing of funds. A simple ‘Hi/Hello’ on a social media platform from a stranger’s profile can turn into a […]

EPF: How to know your UAN? A step-by-step guide

The Universal Account Number (UAN) is the identity number for all EPFO (Employees’ Provident Fund Organisation) subscribers which works like PAN for income tax payers. It works like a common identification ID for EPF subscribers who may have multiple employers in quick succession. This effectively means subscribers can have numerous member IDs given by as many […]

Demat Account: How to get portfolio diversification right? Here are 9 ways

What is Portfolio Diversification? Portfolio diversification is a crucial concept in finance, epitomised by the adage “Don’t Put All Your Eggs in One Basket.” This principle underscores the importance of spreading investments across various asset classes to mitigate risk. By diversifying across equities, commodities, currencies, and bonds, investors can shield themselves from unforeseen market movements, […]

How to beat Labour tax hikes with your Isa

The party has ruled out increasing income tax, National Insurance or capital gains tax if it wins the next election. But some believe Rachel Reeves, the shadow chancellor, will have to raise taxes if the party is to fund its spending pledges – and if that is the case then taxes on “unearned income” from […]

How to invest £1,000 – and make it work as hard as possible

Adding some fixed income exposure to those equities – a 20pc bonds, 80pc stocks mix – reduces the volatility.  A portfolio with this mix typically falls less, reduced to 19pc before recovering over time. Return expectations are also dampened with volatility however, and an average return on £1,000 over five years is £1,892. Still too […]

How to check your EPF account balance? A step-by-step guide

The Employees’ Provident Fund (EPF) stands as an excellent avenue for retirement savings in India. It promotes consistent savings by involving contributions from both employees and employers. The automatic deduction from your salary for EPF renders it an exceedingly convenient method for retirement savings. Below is an outline of the contribution framework: Employee’s contribution: Typically, […]