Money Mindset

  Looking to start a SIP in April 2025? That’s a smart move! Systematic Investment Plans (SIPs) are one of the most effective ways to build long-term wealth with discipline and low risk. But with hundreds of mutual funds in the market, it’s tough to decide where to invest. So, we’ve handpicked the Top 7 Mutual Funds for SIP in April 2025, based on long-term performance, consistency, fund manager track record, and expense ratio. Top 7 Mutual Funds for SIP in April 2025 (For Long-Term Growth) 1. Quant Flexi Cap Fund – Direct Plan – Growth Category: Flexi Cap Fund 5-Year CAGR: ~24.5% Why Invest: High-risk, high-return; ideal for aggressive investors looking for long-term capital appreciation. SIP Duration: 5+ years 2. Parag Parikh Flexi Cap Fund – Direct Plan – Growth Category: Flexi Cap Fund 5-Year CAGR: ~18.8% Why Invest: Diversified across Indian and US equities, strong risk management, and consistent performance. SIP Duration: 5–10 years 3....

  T+0 Settlement in India: What Retail Investors Need to Know in 2025 From  stretched five‑day settlements in the 1990s to the brisk T+1 cycle adopted in 2023, India’s equity market has always chased speed. Now SEBI* plans to leap to T+0—same‑day settlement—for the top‑traded shares. What does that mean for your money mindset, cash‑flow planning, and trading strategy? Let’s break it down. *SEBI = Securities and Exchange Board of India 1. What exactly is T+0? T stands for Transaction day (the day you buy or sell). +0 means your shares and cash are settled the very same trading day, not on the next day (T+1) or two days later (T+2). Why it matters: Faster settlement = lower counter‑party risk, quicker reinvestment, and tighter capital cycles for both investors and brokers. 2. The Big Changes You’ll Feel Area Current (T+1) Coming (T+0) Impact on You Liquidity lock‑in Funds blocked overnight Funds freed by market close More int...