The IPO market in India is buzzing with opportunities — and retail investors are getting smarter. One rising trend is investing through the shareholder category, which allows existing shareholders of a parent company to apply for shares in both retail and shareholder categories, doubling their chances of allotment. From Bajaj Housing Finance to upcoming IPOs like NTPC Green Energy, HDB Financial Services, and Ather Energy, this strategy is changing how investors approach IPOs

India’s IPO market offers exciting opportunities — but knowing your investor category can make all the difference. IPO applications are divided into Retail, Small HNI (S-HNI), and Big HNI (B-HNI) segments, each with distinct limits and rules. Retail investors can invest up to ₹2 lakh, S-HNIs between ₹2–10 lakh, and B-HNIs above ₹10 lakh. While retail investors enjoy flexibility and the cut-off price option, HNIs must bid at specific prices and cannot modify bids once placed.

For Muslim investors, growing wealth while staying true to faith is possible through Shariah-compliant investing. Rooted in Islamic principles, this approach avoids interest (Riba), unethical businesses, and excessive speculation (Gharar). Instead, it focuses on ethical companies, profit-and-loss sharing, and sound financial practices. From Islamic mutual funds and ETFs to low-debt, transparent firms, there are many compliant paths to explore. Backed by Shariah advisory board

Understanding how your investments are taxed is key to maximizing profits. In FY 2025, India’s capital gains tax structure has changed — Short-Term Capital Gains (STCG) on listed shares and equity funds (held for 12 months or less) are taxed at 20%, while Long-Term Capital Gains (LTCG) on holdings over a year are taxed at 12.5% for gains above ₹1.25 lakh. This updated exemption limit gives investors more room for tax-free growth. In this post, we break down rates, rules, and

Tax season doesn’t have to be stressful — with tax harvesting, you can turn market losses into real savings. This strategy lets you offset capital gains by selling underperforming assets, reducing your overall taxable income. In FY 2025, smart investors are using this method to maximize the ₹1.25 lakh LTCG exemption and keep portfolios tax-efficient. This guide explains each step — from identifying loss-making stocks to avoiding the 30-day “wash sale” trap. Learn how to rebal

Choosing between stocks and bonds is a key decision for every investor. Stocks offer higher growth potential but come with greater risk, while bonds provide steady income with lower volatility. This article from FunTech Academy & Wealth explains the differences, benefits, and ideal situations for each investment type — helping you decide which suits your age, goals, and risk tolerance. Learn how diversification between stocks and bonds can balance your portfolio and support l

Gold is one of the safest and most reliable investment options, ideal for diversification and protection against inflation. Instead of buying physical gold, investors can choose modern options like Sovereign Gold Bonds (SGBs) issued by the RBI, Gold ETFs traded on stock exchanges, or Digital Gold Wallets via apps like PhonePe and Paytm. These options are secure, convenient, and highly liquid. Learn smart ways to invest in gold with FunTech Academy & Wealth.

A term insurance plan offers high life coverage at an affordable premium, making it essential for financial security. To choose the best plan, buy early for lower premiums, always disclose health details honestly, and pick adequate coverage based on your income and family needs. Select a longer policy term if you’re young and choose insurers with strong claim settlement and solvency ratios. Learn how to pick the right term plan for your goals with FunTech Academy & Wealth.