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Understanding Risk and Return of Various Asset Classes

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When it comes to financial planning, one of the most important things to understand is the relationship between risk and return across different asset classes . Every rupee you save or invest has a purpose, and knowing where to put it can make all the difference in achieving your financial goals. In this blog, we’ll break down the major asset classes , their probable risks , and their returns , using simple examples that everyone can relate to. What Are Asset Classes? An asset class is a group of investment options that share similar characteristics. In simple words, it’s a category of investments that behave in the same way in the financial market. Different asset classes have different levels of risk and return potential . Some are safer but give lower returns, while others are risky but have the potential to generate higher wealth. Before we dive deeper, you can also read our earlier blog on Saving vs Investment: Understanding the Key Differences to build a strong base on ho...
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Nido Home Finance Limited NCD Issue – Is It Right for You?

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By WealthCare Vest by Raghav When the goal is growing your wealth securely, many of us reach for fixed deposits (FDs) or recurring deposits (RDs). But there’s another asset class that offers higher yields with safety: Secured Redeemable Non-Convertible Debentures (NCDs) . Nido Home Finance Limited recently opened its NCD issue from August 21, 2025 to September 04, 2025 , offering attractive coupon rates of up to 10.50% p.a. , with various tenures and interest payment structures. Let’s dive into what makes this offer compelling—and whether it fits your investment goals. Refer to this shorts Also :-  https://youtube.com/shorts/rneyd4WusBY?feature=share 📌 What Exactly Are NCDs? Think of an NCD as a company-issued FD: You lend money to the company for a fixed period. The company pays you interest (coupon) at regular intervals or cumulative at maturity. At maturity, you get your principal back . “Non-Convertible” means they cannot convert into equity shares —they r...
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Saving vs Investment: Understanding the Basics for a Strong Financial Future

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By WealthCare Vest – Caring for your wealth, strengthening your investment When it comes to managing money, most people use the terms saving and investment interchangeably. But in reality, they are not the same. Both are essential for a secure financial future, but they serve different purposes. Check out our video also :- https://youtube.com/shorts/AxShjV2j6tc?si=8i23t--QybMy4YBc   What is Saving? Saving means setting aside a portion of your income for future use instead of spending it. You simply keep your money safe, usually in: A savings bank account Cash at home Fixed Deposits (FDs) Recurring Deposits (RDs) 📌 Formula: Saving = Income – Expenses Example: If you earn ₹50,000 per month and spend ₹40,000, your savings are ₹10,000. You might keep this in a bank for emergencies or future needs. 💡 Want to know how savings can also give you extra income? You can explore Do Mutual Funds Give Dividends? to learn how certain investments provide regular payo...
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NPS vs Mutual Fund with SWP – Which is Better for Your Pension?

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Date :- 4th August 2025 Author :- Raghav Goel  Introduction Welcome to WealthCare Vest by Raghav Goel — Caring for your wealth, strengthening your investment . When planning for retirement, one of the biggest questions is: Which pension option is better — NPS (National Pension System) or Mutual Fund with SWP (Systematic Withdrawal Plan)? Both options aim to create a steady income during your retirement years, but the approach, flexibility, and returns can differ significantly. In this blog, we’ll break it down in a simple, practical, and easy-to-understand way so that you can make the right decision for your future. (For more details on financial planning options, visit our WealthCare Vest resources ). Check out video also :- https://youtube.com/shorts/26yLii4Ifw4?feature=share What is NPS (National Pension System)? The National Pension System (NPS) is a government-backed retirement savings scheme. It allows you to invest regularly until retirement and receive a portion...
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👨‍👩‍👧‍👦 How to Build a High-Growth Investment Portfolio for Your Children in India

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By WealthCare Vest by Raghav Goel “Caring for your wealth, strengthening your investment.” 📌 Introduction Every parent wishes to give their children the best life possible — quality education, career opportunities, and a secure future. But aspirations come with costs, and the cost of education in India and abroad is rising rapidly every year. To ensure your children’s dreams are never limited by finances, early and structured investment is the key. This guide from WealthCare Vest is specially curated to help Indian parents understand how to start investing for their children’s future, with an ideal monthly amount like ₹1 lakh — aiming for long-term, high-growth returns. 👶 Meet the Investor Profile Let’s consider a case like yours: You have two children — your son is 2 years old , and daughter is 7 months old . You can invest ₹1,00,000 per month with a long-term horizon of 15–18 years . Now the question is: How can you build a portfolio that ensures their educatio...
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How to Build a Smart SIP Portfolio: Beyond Just Fund Names

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By WealthCare Vest by Raghav Caring for your wealth, strengthening your investment. When it comes to building wealth through SIPs (Systematic Investment Plans), most investors start by picking mutual funds based on past performance or recommendations. While that seems like a straightforward approach, it misses the core foundation of financial planning— Your Financial Goals, Risk Appetite, Time Horizon, and Diversification . Check out this video also :- https://youtube.com/shorts/VcRuU4xjfqs?feature=share   Recently, we received an investment plan that looks something like this: Sample SIP Portfolio Fund Category Fund Name SIP Amount Estimated Return Large Cap Nippon India Large Cap Fund ₹10,000 11-12% Flexi Cap Parag Parikh Flexi Cap Fund ₹10,000                11-13% Mid Cap                          Kotak Emerging Equity Fund ₹10,0...
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SIP vs Lump Sum: Which is Better for 5-Year Investment Goals?

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💼 Introduction: About WealthCare Vest At WealthCare Vest by Raghav , we specialize in financial planning that’s simple, smart, and strategic. Our motto is: “Caring for your wealth, strengthening your investment.” We help you grow your money through Mutual Funds, SIPs, Insurance, FDs, and Retirement Planning. Today’s common question is: “Should I invest a Lump Sum amount or go with SIP for 5 years?” This blog will clarify your doubts — with examples, tables, and real-life scenarios. 🧠 What is Lump Sum Investment? A Lump Sum investment means you invest the total amount all at once. For example, investing ₹10,000 in January 2019 in a mutual fund. Key Features: One-time payment Timing matters a lot Higher risk if market drops after investing May be suitable when markets are low You may also want to check out our blog: 👉 Do Mutual Funds Give Dividends? This helps you understand if a lump sum investment gives you regular income. 💡 What is SIP (Systematic ...
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