KRN Heat Exchanger which is not too old company has given good return historically and poised to perform well if market favours and company's performance remains robust.
At the same time Inox India has also performed relatively well i,e, 26% YOY Growth.
Though both companies are not favorite of dividend receiving investors. Market will see what holds in future for this two companies.
Disc: Not an invitation to invest.
Dividend history of PTC India Ltd based on historical data available publicly.
This is high dividend paying listed company through Stock Exchange of India.
One can have a look and do research of this company to know more about its payout.
Disc: Not an invitation to invest.
स्वचालन और सौंपना: दोहराए जाने वाले कामों को टूल्स या दूसरों को सौंपें ताकि आप उच्च-मूल्य वाले काम पर ध्यान दे सकें।
कौशल संयोजन (Skill Stacking): पूरक कौशलों को जोड़ें (जैसे कोडिंग + डिज़ाइन, लेखन + मार्केटिंग) ताकि आप अनोखे और अधिक मूल्यवान बन सकें।
निष्क्रिय आय स्रोत (Passive Income): डिजिटल प्रोडक्ट्स, कोर्स या निवेश जैसे ऐसे साधन बनाएँ जो बिना सक्रिय काम किए भी आय उत्पन्न करें।
नेटवर्किंग और सहयोग: दूसरों के साथ साझेदारी करें ताकि ऐसे अवसर मिल सकें जो अकेले संभव न हों।
मोलभाव और पोज़िशनिंग: बेहतर दर पाने के लिए बातचीत करें या खुद को विशेषज्ञ के रूप में प्रस्तुत करें, इससे बिना अतिरिक्त समय लगाए आय बढ़ सकती है।
तकनीक का उपयोग: एआई, प्रोडक्टिविटी ऐप्स और स्मार्ट सिस्टम्स का इस्तेमाल करके अपनी क्षमता कई गुना बढ़ाएँ।
When you save and invest early, any returns you earn can generate additional returns over time. This is known as compound growth.
For example, if you invest ₹5,000 per month starting at age 22, you may accumulate significantly more wealth by retirement than someone who starts at 32, even if the second person invests a larger monthly amount.
Starting early means you don't need to save as aggressively later. A modest amount saved consistently over many years can be more effective than trying to catch up with large contributions later in life.
Building savings early helps create an emergency fund for unexpected expenses such as:
This can reduce the need to take on debt.
Having savings gives you options. You may be able to:
Financial security can lower anxiety about money and help you focus on career growth, family, and personal goals.
Early savings can support goals such as:
Suppose two people invest at a 10% annual return:
Even though Person A invests only 10 years earlier, they could end up with roughly twice as much money by retirement because of the extra time for compounding.
When you get your first job, a common recommendation is to save at least 10–20% of your income if possible. Even small amounts matter; the key is building the habit early and staying consistent.
In short, time is one of the most valuable assets in investing. Starting early allows your savings to do more of the work for you.
Here’s why SIPs are particularly useful for salaried employees:
A major advantage for salaried people is the ability to use Step-Up SIPs, where investments increase every year along with salary hikes.
Many people misunderstand SIPs. SIP itself does not guarantee returns — it is simply a method of investing regularly into mutual funds. Returns still depend on:
Community discussions in Indian finance forums show a realistic view:
For example:
The biggest reason SIPs help job holders is behavioral:
They automate investing before lifestyle inflation consumes salary increases.
SIPs help salaried people most when they:
A good starting point for salaried employees is:
A portion goes into insurance + charges
➡️ So less money actually compounds
Studies and comparisons show:
👉 Reason: fees + insurance deduction reduce net returns
ULIPs include:
➡️ Your actual return < fund return because units are deducted
So even if growth is weak, you’re stuck.
From investor discussions:
“High charges, long lock-ins… many don’t understand what they’re getting into”
“Same amount in mutual funds would often give better returns”
⚠️ Not always true for every case, but this is a common pattern.
ULIPs may work if:
ULIPs are usually not ideal if your goal is:
👉 In most cases, experts suggest:
Term insurance + mutual funds = better growth strategy
A Money Back Policy from Life Insurance Corporation of India sounds attractive because it gives periodic payouts, but it comes with several downsides you should understand before choosing it.
Money back policies typically offer modest returns (often around 4–6% annually). Compared to options like mutual funds or even some fixed deposits, the growth is quite limited. Inflation can eat into these returns, reducing real gains.
You pay significantly higher premiums for the same life cover compared to a pure term plan. For example, a Term Insurance Plan gives much higher coverage at a lower cost, but money back plans bundle insurance + savings, making them expensive.
These policies mix insurance and investment, which often leads to confusion. The periodic “money back” payouts may look appealing, but they reduce the final maturity amount and overall compounding.
Because part of your premium goes toward savings/returns, the actual life cover is relatively low. This can leave your family underinsured compared to what they might actually need.
The money locked into this policy could potentially earn better returns elsewhere—like equity mutual funds or even PPF. Over long periods, this difference can be substantial.
Although you get periodic payouts, the rest of your money is locked in for the policy term. Early surrender often results in losses or low surrender value.
LIC policies often mention bonuses, but these are not fixed. They depend on the corporation’s performance and are declared periodically, so returns are uncertain.
Money back policies are safe but inefficient—they prioritize stability over growth. They may suit someone who wants disciplined savings with low risk, but they are usually not ideal for maximizing wealth or getting adequate life coverage.
मुझे पता है कि आप में से कई लोगों को LIC एजेंट का फ़ोन आता होगा जिसमें वे LIC पॉलिसी में निवेश करके भविष्य सुरक्षित करने की सलाह देते हैं, ल...
