Author name: pointonepromotions

The Millennial’s Retirement Plan – Why Your EPF, EPS, and PPF Are Not Enough If you’re a salaried millennial in India, chances are you already feel pretty sorted about your retirement. Every month, a portion of your salary quietly makes its way into the Employee Provident Fund (EPF) and Employee Pension Scheme (EPS). Maybe you […]

7 Regulatory Shifts That Will Redefine Crypto Finance in India in 2025 India’s crypto story is entering a new chapter. Until a few years ago, crypto in India was a grey zone. Investors worried the government might ban it outright. Businesses hesitated to build services without clear rules. But 2025 is proving to be a

Could AI-Powered Financial Coaching Replace Wealth Advisors? Imagine a young couple in Mumbai. They have good jobs in technology, are thinking about buying their first apartment, and want to start investing in their future children’s education. Or picture a retired professional in Chennai who wants to make sure her savings are enough to fund medical

8 Ways Shadow Banking Could Put India’s Financial Markets at Risk After the Pandemic Picture a small garment trader in Tiruppur. He is eager to rebuild after months of lockdown. His cash flows are uneven, so his local bank turns him down. A non-banking finance company steps in and offers a quick loan. This helps

6 Breakthrough Fintech Models Emerging from India Introduction: India’s New Financial Architecture India is experiencing one of the world’s most ambitious financial transformations. In just over a decade, the country has shifted from being largely cash-driven and underbanked to building a vibrant, digitally enabled financial ecosystem. This change rests on affordable smartphones, ultra-low data costs,

What Quantum Computing Could Mean for Financial Modeling Introduction: India’s New Financial Architecture India is experiencing one of the world’s most ambitious financial transformations. In just over a decade, the country has shifted from being largely cash-driven and underbanked to building a vibrant, digitally enabled financial ecosystem. This change rests on affordable smartphones, ultra-low data

Why Mid and Small Cap Funds Are Outperforming Large Caps in 2024 Introduction The Indian stock market in 2024 is witnessing a paradigm shift. While large-cap indices like the Nifty 50 and Sensex have posted modest single-digit returns, mid and small-cap funds are delivering stellar performance. Investors, both seasoned and new, are asking—what’s driving this trend?

The Psychology of Spending: How Digital Payments Encourage Overspending Introduction: The Quiet Evolution of Money Money, in its physical form, has gradually faded into abstraction. What once jingled in our pockets now flickers on screens, mere numbers with no tactile reality. This transformation hasn’t just changed how we pay; it’s reshaped how we perceive value

6 Asset Classes Every Indian Investor Should Have in Their Portfolio Building a strong investment portfolio isn’t just about chasing high returns. It’s about balance, consistency, and smart decisions. In a fast-growing economy like India, where opportunities are plenty and risks equally real, diversification is key. Having a mix of the right asset classes can

How SEBI’s New Margin Rules Are Changing Retail Trading Introduction In a country where financial literacy and investment appetite are steadily growing, India’s capital markets have experienced a dramatic rise in retail participation, especially in the derivatives segment. Between FY21 and FY23, the retail share in equity derivatives turnover touched over 36%, according to NSE