4 Ways to Save in the Digital Era

4 ways to save in the digital era

We’ve all been there before: at first, we were just absentmindedly scrolling through our Instagram feed when we come across a beautifully made travel bag or trendy sneakers posted by a brand account. Next thing we know, we’ve placed our order and we’re ready to make a purchase. Everything happened …

4 Ways to Manage Personal Finance as Millennials

4 Ways to Manage Personal Finance as Millennials

When it comes to personal finances, millennials often struggle. Older generations sneer, saying that the youth’s money problems stem from their own spending habits, from frequent eating out to coffee shops. That criticism has some merit. A recent survey conducted by Bankrate shows that the average millennial eats out or …

How to manage your investment portfolio like a pro

How to manage your investment portfolio like a pro

Managing an investment portfolio is a lot like managing a business. With a disciplined, patient, and proactive approach, you can preserve and protect your wealth while attaining financial independence. Your investment strategies might differ, but you’ve to begin with some principles that are consistent at its core, which not only …

A Concise Guide to P2P Financing

Concise Guide to P2P Financing

Peer-to-peer (P2P) financing is a revolutionary FinTech innovation, with the potential to address the lack of SME financing in Southeast Asia. Since traditional middlemen like bankers aren’t part of the system, it increases profits for investors and decreases resistance for SME issuers. Let’s see how the model benefits both investors …

6 Reasons to Invest in Peer-To-Peer Financing

6 Reasons to Invest in Peer-To-Peer Financing

If you own a small, growing enterprise, getting funding from your peers through peer-to-peer (P2P) financing can be a great substitute to applying for bank funds. On the other hand, if you are an investor, P2P financing can be a great way to earn returns while helping out SMEs. The …

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8 Principles of Investing for Beginners and Beyond

8 Principles of Investing for Beginners and Beyond

To start, there are no investment hacks and shortcuts. Investing requires time, research, and maintenance. Effort? Depends on the instrument. Stocks, for instance, would need more vigilance than bonds, which is mostly a ‘buy and wait for maturity’ affair. However, there is no instant fix to get you high investment …

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How to Manage Working Capital for SMEs

How to Manage Working Capital for SMEs

What is the most important focus area for any business? Most SMEs make the mistake of focusing only on the profitability of the business. But liquidity is the other pillar on which a company stands. Liquidity is achieved through efficient working capital management. The concept is similar to a person’s …

Cash is King, Cash Flow is Emperor

Cash is king, cash flow is emperor

Businesses, especially SMEs, have grown highly competitive in the past 10 years. Local competition is not new, but international and online competition have kept small businesses on their toes. And along with the general cost of living, cost of doing business has gone up as well. In such a scenario, …

Types of Investments

types of investments

If it is long-term financial security you are after, you will have to start investing – and better sooner than later. Here is a quick guide to the different types of investments: 1. Fixed deposits A fixed deposit is a bank deposit with (i) a higher interest rate than a …