Author: ITeCApp

Introduction Do you often buy things to make yourself feel better, even if you do not really need them? You are not alone. Emotional spending has become very common these days; especially with the ease of online shopping and the availability of digital wallets, it is easy to fall into the trap of emotionally triggered…

Introduction When it comes to building a sound financial future, selecting the right investment mix is essential. While both balanced and diversified portfolios are often used interchangeably, they are different in their approach towards investment risk management. In this article, we’ll explore the core-satellite model that can structure your investments effectively, incorporating conviction-based and goal-based…

I. Introduction Financial decisions are deeply influenced by our financial behaviours which are shaped by habits, emotions and personal experiences. While these patterns often operate subconsciously, the good thing is that financial behaviour is not static—It can be reshaped and improved. This is where financial education plays a transformative role. With the abundance of financial…

I. Introduction Have you ever questioned whether your financial goals align with your ability to take risks? Or whether you are overcautious when you could, in fact, afford to aim higher? Answering these questions begins with understanding the often confused but fundamentally different two concepts: risk tolerance and risk capacity. Let us delve into this…

Introduction Though often used interchangeably, the terms savings and investing are fundamentally two different financial strategies. For many individuals, whether to put their hard-earned money on savings or investments is a perennial dilemma —like wondering whether to open a fixed deposit (FD) or invest in stocks and mutual funds. It is important to note that…