Return On Investment क्या है? हमें Investment क्यों करनी चाहिए।

निवेश ( Investment ) क्या है?

भविष्य में जब आप किसी भी तरह का काम नहीं कर रहे है और आपकी कोई इनकम नहीं है, ऐसी परिस्थितियों में आपको पैसों की आवश्यकता तो होती ही है। लेकिन बिना नौकरी या बिजनेस के पैसे लाएंगे कहाँ से? इसके लिए आप आज की तारीख में अपने पैसों से घर, जमीन, गहने या किसी तरह की स्किम खरीदते है। जिससे भविष्य में आपके पैसे सुरक्षित रहते ही है, साथ ही इसपर आने वाले मुनाफे का आप फायदा उठा सकते है। जैसे कि आज आप ने एक घर खरीदा और कुछ सालों में उसकी कीमत बढ़ने के बाद उसे बेच दिया, तो आपको आपने जिस कीमत में अपना घर खरीदा था, उससे ज्यादा पैसे मिलते है। साथ ही इन कुछ सालों में अगर इस घर को आप रेंट पर देते है, तो हर महीने आने वाले रेंट से भी आपको फायदा ही होता है।

इन्वेस्टमेंट के दो मुख्य प्रकार है। एक है, फिक्स डिपाजिट, शेयर या बॉन्ड जिसमें आपको एक निश्चित ब्याज दर के साथ आपका रिटर्न हर महीने या साल मिलता है। दूसरा है, किसी चीज को खरीदना और उसकी कीमत बढ़ने के बाद उसे बेचकर अपने निवेश पर लाभ उठाना। किसी भी इन्वेस्टमेंट में सबसे जरूरी बात होती है, RETURN ON INVESTMENT। सबसे पहले जान लेते है, की Return On Investment होता क्या है।

 

Read more : https://www.yelonow.com/roi-calculation-emi-calculator-yelo/

New to Online Savings Account: Let’s Understand How to Use it?

Savings Account, not a new term, is known to almost all and acts as a handy tool to keep your funds safe. It not only keeps your funds intact but also comes as a better option of investment where your idle funds can gain attractive interest on them.

As we are living in a digital era, banks have made it very simple for the people to open new online savings account from the comfort of your office or home. Thus, you don’t have to physically visit the bank branch to facilitate the formalities that are required to open a savings account.

Read more: https://www.yelonow.com/online-savings-account-at-yelo/

A Guide to CIBIL or Credit Score and How To Avail a Loan With Bad Credit Score?

Your financial profile and credit worthiness highly depend on your credit score. A credit score is a 3-digit number that is assigned to your profile after assessing your credit & debit history. This score ranges from 300 to 900, where anything above 750 is termed as perfect. In India, you may find many agencies who calculate or do credit scoring, but among all TransUnion CIBIL is popular and reliable. Hence, a credit score is also referred to as the CIBIL score.

CIBIL or credit score is the first and foremost vital factor that is checked by every financial institution whenever you apply for any kind of credit i.e. a loan or a credit card. It allows the lender to assess your repayment capability. If your score is low, then the chances of accessing the credit will get badly affected and you might not get the same on your favorable terms & conditions or it might get rejected too. Thus, it becomes essential that you know how you can improve your credit score as this not only ensure that you get the required funds but will also allow you to crack a better deal suiting your terms.

Read more at: https://www.yelonow.com/loan-with-bad-credit-score-in-yelo/

Which is the best option: Online Personal loans or Offline Personal loans?

In today's scenario, if you are facing any financial emergency or temporary cash crunch, only a personal loan is the armament that holds the potential to immediately solve your problem. Personal loans can be applied online and offline, it purely depends on the individual how they want to get it processed. More and more people prefer to go for online loans whereas there are still many individuals who prefer offline mediums for loan processing as they prefer the personal touch and face-to-face interactions. But before choosing the online or offline mode, it's better to understand their process flow.

Read the article: https://www.yelonow.com/online-personal-loans-or-offline-personal-loans/

Smart Tips to Keep Your Financial Goals Intact!

Pressure on the world economy is mounting, and investors are not getting the desired results or returns on their investment. Financial products neither performing well nor meeting the expectation. Thus, it’s very common for people to feel uncertain in the current financial market. Despite economic slowdown is cyclic and it makes sense to relax your finances and tides up the associated goals with your investment portfolio, in this kind of an unstable market, else it could be a costly mistake. Have a look at the following smart ways to handle or plan for such challenging times.

Opt for Small Instalments

Investing in a highly volatile market could be risky. For example, a lump sum amount of a 1.5 lakh is invested by you in any mutual fund whose net asset value is Rs. 100, and by any chance if the market falls, then your invested corpus amount will get negatively impacted. And if you have taken any Personal Loan to invest, then it will badly hit your finances further. So to make investments in unsure market conditions, it’s better to fragment the corpus amount and invest in small investments. For example, you can make a liquid fund of 1.5 lakh and opt for SWP i.e. systematic withdrawal plan by investing Rs. 10,000 every month over 12 months. This way you can smartly get the advantage of rupee cost averaging, hence minimizing the impact of market volatility on your investment.

Read more here: https://www.yelonow.com/financial-goals-personal-loan-tips