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Updated by Money Investor on Feb 28, 2019
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Money Investor

Money investor blog is a source of information for stock market tips, mutual fund tips, income tax, credit card, loan, pension, insurance, and credit score.

10 Ways to Convert Black Money into White Money

Black money has a negative impact on the country’s economy. People want to convert partly or fully their black money into white, and there are some legal as well as illegal ways doing it. Few are discussed here.

What is a mutual fund?

It is an investment company that takes money from many investors and pools it together. This pooled money is managed by the professional manager who invests in a different type of assets like bonds, stocks, commodities, and some cases even in real estate. A mutual fund has many investment options that are the funds that is collected from investors and can be invested in different securities subcategories for each of bonds, stocks, commodities, money market instruments and similar types of assets.

Learn About the Different Types of Loans

A loan is an act of lending money by an individual(s), or an organization to the other entity which can be an individual, organization etc. There are two parties in this exchange/transfer, loaner (the person who gives loan) and the loanee (the person who receives loan). The loanee incurs a debt and pays interest to loaner on the said amount until the loan amount is paid back and the principal amount is returned.

Know why & how income tax is collected by the government

Income tax is a tax levied by the government and comes under direct tax and is paid directly to the government by the taxpayer. It is one of the most common and important tax that a citizen has to pay depending on income generated known as ‘taxable income’. Taxable income is total income minus applicable deductions and exemptions. Income tax is the percentage of your income that you pay to the government.

What is the New Pension Scheme (NPS) in India?

New Pension Scheme (NPS) is an initiative of the Government of India to make your post-retirement years financially safe and secure. Know benefits of NPS.

What is insurance and its types?

Find detailed information about insurance, benefits and types of insurance. How is insurance helpful for you, your family and business.

What is the demat account?

Here you will get each and everything about demat account like what is a demat account, how to open a demat account, benefits of having a demat account etc.

What is a Credit Score?

Here is detailed information about credit score like what is a credit score, good and bad credit score, benefits of a good credit score etc.

How To Invest In Credit Risk Mutual Fund?

A distinct category under debt fund is Credit Risk Fund (CRF). This mutual fund invests in mid to long-term debt instruments and low rated bonds with an aim of generating a higher yield. 65 percent of the asset is invested in corporate bonds having rating AA or below. CRF was earlier known as Credit Opportunity Funds. The fund invests in low rated bonds which have higher risk and generate high returns. They generate 2 to 3 percent higher returns as compared to risk-free corporate bonds.

Is Employee Stock Ownership Plan (ESOP) Good for Employees?

ESOP is short form of Employee Stock Option or Employee Stock Ownership Plan. It is an option offered by the company to its employee. The employee can purchase the company’s share (where he/she is working) at a predefined price (usually discounted) and only in certain numbers from the employer.

Income Tax Return (ITR) Filing Mistakes – You Must Avoid

Income tax returns filing is an important duty of the taxpayer and one should be cautious while filing. There are some common mistake/errors that taxpayers make. All PAN and bank accounts are linked to Aadhaar and are extremely monitored by the income tax department. Any mistake to under report income or inflated deduction/exemptions will not be good for the taxpayer and can lead to a heavy penalty or in some cases even jail.

Why Companies Issue Shares At The Premium Price?

All shares available in share market and of any company have the face value (FV) or par value. Indian shares usually have the face value of INR 1, INR 2, INR 5, and INR 10 etc. The FV has to be a positive whole number. It cannot have face value in fractional amount like INR 1.25, INR 2.75 etc. Usually they are issue/offered at premium price in the market.

How Is Individual And Group Health Insurance Different?

Health Insurance plays a major role as a financial protection against expenses. Let us understand the parameters of Individual And Group Health Insurance.

Best Long Term Investments Tips for Beginners

There is a lot of difference between saving and investing. For investments, one should follow investments with consistency and for a defined purpose like child education, marriage, foreign trip, home purchase, vehicle purchase, etc. Consistency should be maintained because if your investments are irregular then it ultimately gets spent. The purpose of investment should have a goal, which depends upon person to person and time to time. Usually, the purpose of the investment is to create wealth over a period of time. The purpose of the investment does not fulfill if the investments are liquidated and spent.

SIP is the most efficient mutual fund tool

Tools is a free section to provide various Mutual Fund calculators for your use. Compare schemes and monitor your mutual fund perfomance. Check and try.

Find IFSC, MICR Codes and Address of All Banks in India

Find Bank IFSC code, MICR code, Bank Address for money transfer through NEFT or RIGS. IFSC is a 11 digit no. It is printed in Passbook. Search IFSC code now.

Get to know ISD codes of all countries

Get complete list of ISD Code or International Telephone Code. Free Online Search. No Hidden Cost. Try it now .It is Completely Free.

What Are The Important Factors That Affect A Cibil Score?

People need a personal loan or business loan and many find that it is a big problem getting one as it is a long and serious process. Many a time it takes so long that admission dates of the college gets closed but the education loan is not approved or the date of tender opening goes by but your loan is not approved.

Find Pin codes of Indian Post offices in free

We provides free Post office Pincode search tool. Find your pincode now. This tool is most advanced in pincode search. It is free.Try now.

How credit cards can lower your credit score?

Two factors that led to exponential growth of credit card are convenience and security. Buying now and paying later benefits both convenience and availability of funds in case of emergency. While these things are true but it is also true that these are one of the main reasons that one has a negative or positive effect on credit score.


Many people like to work from home to earn some extra money in their free time. Few work in such a way to derive regular passive income throughout their life. So let’s see the number of options you can make money from home and choose the one which fits your temperament the best.

Best Large Cap Mutual Fund

Mutual fund industry in India is growing breathtaking speed. It is one of the attractive investment options as seen from the inflow of fund in recent years. Even after tremendous growth, the investor is stuck in a maze of a large number of mutual fund schemes to choose from.


Mid Cap Mutual Funds invest in stocks of mid-cap listed companies. ‘Cap’ here refers to market capitalization. Mid-cap companies are those whose market capitalization ranges between Rs. 500 crores to Rs. 10000 crores.

How To Get MSME Business Loan In 59 Minutes?

Prime Minister Narendra Modi worked on 12 initiatives for the growth of MSME sector (micro, small and medium enterprises). Out of those initiatives the one that stood out was the loan from Rs 1 lac to 1 crore will be approved in 59 minutes (that is within an hour) which created a ripple in the business community. A dedicated digital platform is provided which will facilitate MSME to secure in-principal approval of the loan.

What Are The Best Index Funds?

There are numerous mutual funds for every kind of needs and risk tolerance. There are many mutual funds types and are broadly classified based on asset class (equity, debt, money market or hybrid), structure (open-ended, closed-ended, interval), investment goals (growth, income liquid, tax-saving), risk (very low, low, medium and high), then there are specialized MF (sector, index, emerging market, international, global, real estate, commodity-focused, etc.)