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Investing in Crypto vs Stocks

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Introduction Cryptocurrencies are digital assets that run on cryptographically secured distributed networks. They can be used as a medium of exchange and store of value. Stocks represent fractional ownership of shares in a company. While they are different asset classes, both crypto and stocks are tradeable and can be seen as investment vehicles. Crypto is a newer financial instrument that is prone to higher price volatility and risk.  Stocks are a long-established asset class that can yield both long and short-term returns.  While both instruments attract traders and investors, cryptocurrencies are often seen as an alternative to more traditional assets. There can be profitable strategies in both markets. This article breaks down the key differences between the two assets as well as their pros and cons. Crypto vs Stocks What is cryptocurrency? In simple terms, cryptocurrencies are digital currencies powered by blockchain technology. They rely on cryptographic techniques...
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Atal Pension Yojana

What is Atal Pension Yojana? This is a pension scheme mainly aimed at the unorganized sector. There is an option of getting a fixed pension of ₹ 1000, ₹ 2000, ₹ 3000, ₹ 4000, or ₹ 5000 on attaining the age of 60. The pension corpus is created from your contributions that are invested in different assets. The collected amount under the scheme is managed by the Pension Fund Regulatory and Development Authority of India (PFRDA). The pension is determined based on the individual’s age and the contribution amount. The contributor’s spouse can stake claim to the pension upon the contributor’s death. Upon the death of both the contributor and his/ her spouse, their nominee will be given the accumulated corpus. If the contributor dies before completing 60 years of age, the spouse is also given an option to exit the scheme and claim the corpus. Otherwise, they can continue the scheme for the remaining period. Interestingly, the government makes a co-contribution of 50% of the total contributi...
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National Pension Scheme

What is National Pension Scheme (NPS)? This is a voluntary and long-term investment plan for retirement. Like APY, the scheme is under the purview of the PFRDA. The NPS is open to employees from the public and private sectors. The scheme is self-funded pension system. NPS subscribers invest in the pension account at regular intervals. After retirement, the subscribers can take out a certain percentage of the corpus while the remaining amount will come to you as monthly pension. A portion of the NPS investment goes to equities/stocks. There is a cap on equity exposure for the National Pension System. The cap acts like a stabilizer for the risk-return equation. You can choose to invest your money in a wide range of options. The account maintenance costs under NPS are the lowest as compared to similar pension products available in India, like retirement plans offered by Insurance companies and mutual funds, according to PFRDA website. NPS subscribers have control on the choice of invest...
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