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Here is the first thing that comes to mind when we hear technology entrepreneurs discussing why they have not raised any funding: They are clueless. It's not because they are technophiles, but because they do not understand the nature of technology investment. This is a huge challenge because investors are not interested in talking about technology to begin with. They like to invest in growth-oriented companies.   Their interest is only to learn about and from the company and protect their investments. In many cases, founders ignore the importance of investor presentation, where they should have the chance to showcase their technology and strategies. Most importantly, founders should come prepared with a clear plan, realistic targets, and measurable goals. And investors should invest in a team, which they believe can execute in a short period of time. The second problem is the way that most technology companies present themselves when seeking investment. While many entreprene...

There are wealth creation mistakes that people make at different stages of their lives that keep them behind. There are things that can be improved in order to grow your money faster. The wealth creation mistakes here are making the wrong financial decisions, not investing in the right things, mis-managing your assets, and giving yourself permission to accumulate debt. Here is the irony. Many people do not realise that their habits are actually stealing their money. You earn money through making a good choice, but when you fail to keep it up, it is because you are making bad choices. Make a few good choices consistently, and before long you will be able to figure out your money flow and make money just by staying on track with that.   Have a budget in place. As mentioned earlier, making a budget is the first step to saving money. So take the time to make a budget and keep track of your spending habits.   Save first. Once you’ve budgeted and are aware of what you can save...

Mutual funds will ensure that your money gets to grow along with the market. There is no better way to minimize risk than investing in mutual funds. In the long run, mutual funds help you to create wealth by achieving your financial objectives. Mutual funds allow you to choose from a wide variety of mutual funds with varying degrees of risk. This variety of funds makes your decision easy and ensures that you have diversified portfolio. Mutual funds also provide an opportunity for higher return with less risk. It’s a big myth that mutual funds are risky. You should only invest in mutual funds as a last resort. If you are looking for investing for financial freedom, then mutual funds will ensure that you have enough financial freedom. There are various benefits of investing in mutual funds. Below is a list of mutual funds benefits which every investor should understand before investing in mutual funds: Unlimited Options: Mutual funds allow you to have unlimited options. They al...

What makes retirement planning important is that you have to plan for it. You can't just decide one day, "I'm done with this shit." You have to plan ahead and make sure that you've got a financial cushion in place. If you're not careful, your life could end up like the characters from The Big Short, who lost their homes because they didn't have enough money saved. Or worse yet, if you don't prepare, you could find yourself like former Vice President Dick Cheney, who was forced into early retirement due to poor health. It's easy to get caught up in your daily routine, but without proper planning, you'll never be able to retire on time. There are plenty of people out there who will tell you that you can live off your savings indefinitely, but that isn't true. Sure, you might be able to last a few years before needing to dip into those savings, but eventually, you'll need more money than what you've put away. So, how do you know when i...

  Equities are known to deliver inflation-beating returns. At a time when the interest rates are low equities are one's best bet to shield one's wealth from the destructive effects of inflation. Historically equities have delivered stellar returns ranging from 17% to 22% per annum. The problem with equities is that they are highly volatile. Many equity investors tend to liquidate their holding during volatile times. The net result is that not only the investor loses his leverage but also falls short of accumulating the desired corpus to fulfill his financial goals . Patience is extremely essential for the success of equity investments . One cannot achieve his long-term goals by looking at short-term volatility. During the historical volatility witnessed during March 2020, many equity investors pressed the panic button and exited their investments in a hurry. This kind of behavior can derail the financial train that can help the investor achieve even the most difficult financial...

You may find it difficult to make a savings plan if you don’t understand the long-term benefit thereof. There is no income too little for you to set aside a little to save. When you save gradually from your income, you are preparing for the “raining days” and unforeseen circumstances that can crop up at any time. You can start saving slowly and build it gradually as your situation changes. There is no better time to start saving than now. The following are the benefits of having a savings plan on your low income;     Benefits of Having a  Savings Plan: 1.  It will Help You in Emergencies Emergencies are unexpected situations; hence they can occur at any time. Since the funds required to take care of emergencies are not part of your regular budget, you may be subjected to looking for such emergency funds from external sources such as borrowing from friends or family and even financial institutions like banks. Your accumulated savings may be your saving grace in allevi...

  India’s relationship with gold dates back centuries. Festivals become one of the excuses to buy gold coins and gold jewellery. Gold has been a favourite all-in-one investment option. However, with the price of precious metals soaring high, various other forms of investments have surfaced that can deliver superior returns. Historically, gold has provided a hedge against inflation. It is also considered as a hedge against volatility. It has long been touted as a diversification asset. But with the introduction of digital gold and Gold ETFs , physical gold is losing its attractiveness as an investment destination. Besides, if one were to evaluate the returns, the Gold ETFs has delivered superior returns over the physical gold. Now, it is not extremely necessary that you have gold in your portfolio. It is quite al-right if you do not have any gold in your portfolio. You can always fall back on some well-chosen equity funds to help you in inflation. A lot of people go big on gold, and...