What is Quantum Computing ?

Quantum Computing :

Quantum computing is a type of computing that utilizes the principles of quantum mechanics to perform mathematical calculations . Unlike classical computers that uses bits i.e binary digits to represent 0 or 1 , the quantum computers uses quantum bits , that can exist simultaneously in multiple states due to superposition property .
Quantum computers can solve the certain problems much faster than classical computers . This includes factoring large numbers and searching large databases .

Quantum computing techniques can enhance the machine learning algorithms to provide improvement in pattern recognition . Quantum computing have very much excellency in complex optimization problems , having applications in logistics , finance and various industries where finding best solution among various possibilities are important .

Superposition :

Quantum bits can exist in a combination of 0 and 1 states simultaneously . Due to this property quantum computers can process huge number of possibilities at once .

Quantum Gates :

Quantum Gates is analogous to classical logic gates but it takes the advantage of quantum properties . Quantum computers uses quantum gates to perform operations on quantum bits i.e qubits .

Quantum Parallelism :

Quantum computers can process many solutions to a problem simultaneously .
Therefore Quantum computers can solve complex problems more efficiently than classical computers , especially in those areas such as cryptography , optimization and simulation of quantum systems . However , quantum computers are still in the early stage of development and facing some challenges for implementing error correction and maintaining quantum bits .

What is Artificial Intelligence ? How does Artificial Intelligence works ?

What is Artificial Intelligence ?

Artificial Intelligence refers to the development of computer Systems that can perform tasks which require human intelligence . The Artificial Intelligence technology aim is to give human like functions by enabling machines to perform complex tasks in easy manner and adapt new situations . Artificial Intelligence includes several techniques and approaches by creating machines which are capable of doing intelligence tasks .

Key Features of Artificial Intelligence :

Artificial intelligence have several key features to perform task , some of them are :

Machine Learning (ML) :

Machine Learning is a part of Artificial intelligence that enables the machine to learn from data . It involves training , instructions on datasets and allowing the systems to improve their performance over time .

Neural Networks :

Being inspired by the human brain , neural networks are the fundamental component of many AI Systems . Neural networks with multiple layers utilizes deep learning for performing more complex tasks .

Natural Language Processing :

This feature enables machines to understand , interpret and generate human language . It is crucial for applications like speech recognition , language translation etc .

Computer vision :

This feature enables machine to interpret and make decisions which are based on visual data . It can be used in facial recognition , object detection and many other applications .

Robotics :

On integrating Artificial Intelligence with Robot , its ability can be enhanced to perceive the environment and perform the assigned task . This includes both the robots either physical robots or software driven robots .

Expert Systems :

These are the computer systems designed to match or surpass the decision making ability of a human expert . It can be used to solve specific problems on the basis of their knowledge bases and reasoning abilities .

Conclusion : The purpose of Artificial intelligence is to create the systems that can adapt , learn and perform task intelligently & efficiently to provide the solutions for variety of difficulties that need to be addressed across various industries .

What is Chat GPT ? How does Chat GPT Works ?

The full form of Chat GPT is Chat Generative Pre Trained Transformer . According to sources Chat GPT  is a platform where you can ask your questions and get the answer in written form .

Actually Chat GPT  was launched on 30th Nov. 2022 and its official website : www.Chat.openai.com

After launched it achieved more than two million user base .

At this time most of people talking about Chat GPT and they want to know what is  chat GPT ? How chat GPT works ? What are their advantages and disadvantages ? How it can be used ?  . Somebody believes that Chat GPT beat the Google .

What is Chat GPT ?

Chat GPT is a  trained model that takes input in text form and give the result also in text form as a reaction . It is used for Question Answer , Language Translation , Articles Writing , Blog Writing etc.

In simple language we can say that Chat GPT AI is a search engine like google which is created by using Artificial Intelligence .

Actually it  is like a Chatbot which can give your question’s Answer in simple language  which has been asked by you . It works in many language but in English it is more precise .

Website : www.chat.openai.com

Who is the Owner of Chat GPT ?

Chat GPT  is not a property of a person or any organisation . It is a vast model that is developed by openAI and it is an Artificial Intelligence Lab . OpenAI Lab works on big scale on Machine Learning .

The CEO of OpenAI Sam Altman is the mastermind behind Chat GPT .

As Chat GPT is a language model that is not limited to a group of country . But it was developed by OpenAI organisation which is established in USA .

How Chat GPT works ?

Actually Chat GPT is an advanced natural language processing model that uses deep learning and RLHF for communication . It works on the basis of pattern that learn on training and predicts next words and uses human understandable language by large neural network .

Uses of Chat GPT in different Area :

  • By using chat GPT one can generate high quality and optimised content for their website , blog etc.
  • It can be used in businesses to interact with their customers .
  • It can be used as a language translator .
  • It can be used for making summary of news , articles etc.
  • It can be used for giving answer to their customers .
  • It can be used for preparation of notes , scheduling meetings , calendar management .

In spite these it can be used much more ….

How to use Chat GPT ?

There are following steps for using Chat GPT :

  • First Open your browser
  • Visit on website : chat.openai.com
  • Signup and create your account
  • Fill up required information

What is NFT ? | How does NFT Work ?

What is NFT ?

The full form of NFT is Non Fungible Token . Non Fungible means which is unique and can not be replicable . Non Fungible item has unique identity and it can not be replaced by other similar items . For example an Art , Paintings , Antique etc may be Non Fungible items .
Suppose some gift has given to you by your father , mother , brother or any other , then this item is non fungible for you and it can not be replaced by a similar item available in the market because you are emotionally attached with this gift items . Therefore art , paintings , songs , videos , posters may be Non Fungible items .

How NFT Works ?

The mechanism and Technology behind NFTs is same as in Cryptocurrency , but Cryptocurrency and NFT are not same . Cryptocurrency is fungible asset whereas NFT is Non fungible . One Bitcoin can be replaced or exchange by other Bitcoin as 100 US dollar can be replaced or exchange by other 100 US dollar or two 50 US dollar .
The Technology used behind both Crypto & NFT is Blockchain Technology . This Technology is safe & secure and any manipulation is next to impossible . Every Non Fungible item tied to a specific token in block chain network having immutable record . This is like your digital signature ownership that can not be changed .

What is NFT Art ?

Any art that has been sold or purchased vis NFTs are known as NFT Art . Since NFTs market is in nascent stage but still it is growing significantly . The trading in NFT market is to be fare . The people are not much aware about this , but day will come when it will gain popularity .

How to Create NFT ?

There are some important steps by following that you can create your own NFT & can earn money .

Step #1 : Select the Item

At first you have to select an item which you have to use for NFT . It should be unique because uniqueness gives value . For example Art , Paintings , Music , Video or any other digital items .

Step #2 : Select Blockchain Technology

After creating NFT , now you have to select Blockchain Technology so that you could do your transactions . The most popular Blockchain Technology which is to be used by most of the NFT creators is Ethereum .

Step #3 : Create digital Wallet

You should have a digital wallet because it is must in creating NFT , where you can store your NFTs and Cryptocurrency . Some digital wallet are : Metamask , Alphawallet etc. Now with the help of digital wallet you can create and trade your NFTs .

Step #4 : Select NFT Market

As you have completed all the steps required for NFT , now you can sell it . But for selling you need a market place . Some popular market place are : Opensea , Rariable etc. Since all the market have same purpose but they are not same . Different market utilize different tokens . Opensea is the market leader in NFT market .

Final Thoughts :

I have given some basic knowledge about NFT here , i.e. What is NFT ? How to create NFT ? How to sell NFT ? Step by Step . Before going to take any steps you should have proper knowledge about these things . Therefore at first you should enhance your knowledge then starts your journey , certainly you will be successful .

What is Cryptocurrency ? | How does Cryptocurrency work ?


Cryptocurrency : Cryptocurrency is a digital currency or virtual currency in which all the transaction takes place in digital way , there is no any physical existence of cryptocurrency . All the transactions in crypto maintain in online ledger in encrypted form . This is so secure that hacking is next to impossible . The technology use in cryptocurrency is known as blockchain technology . There are no any central agency regulate Crypto . If you want to transfer crypto , no conversion is required and no middle man is involved in this , it eliminates the middle man like banks , credit card companies etc , but as in case of physical currency bank is involved as a middle man . Therefore if want to send 100 usd to anyone you can do it directly without involving any agency . The purpose of development cryptocurrency was to create alternative to physical currency in which no central agency is to be involved .

What is Blockchain Technology ?

Blockchain is a digital ledger in which every transaction is being stored in blocks . This is the network of thousand of computers placed at different places in a decentralised way . As data is stored in a block , every block has a hash number which also stores the hash number of previous block . When one block become full it is linked with previous block . Thus all the previous blocks are linked with their next block .  Due to decentralized system , no one can edit or manipulate the data , If anyone want to do this , the transaction will be cancelled . So it is secure and safe .

There is no any central agency involve in cryptocurrency . If we talk about physical currency of any country , a central agency is involved , e.g. Indian currency is regulated by Reserve Bank of India ,  in USA ,   Federal Reserve controls the US dollars .

Some Popular Cryptocurrencies :

#1. BitCoin (BTC) :

This is the most popular Cryptocurrency in this time . It was created by Japanese Engineer Satoshi Nakamoto in 2009 . This is the topmost Crypto of this time in valuation . In 2010 , the price of 1 Bitcoin was less than 1 USD but in 2022 one Bitcoin has value more than 42000 USD . According to data , the market capitalization of Bitcoin is 665 billion USD . There is a huge jump in its prices and market capitalization .

#2. Ethereum (Ether) :

After Bitcoin , Ethereum is the second most popular Cryptocurrency in this time . This was developed by Vitalik Buterin in 2015 . Ethereum is a blockchain platform having its own Crypto named Ethereum . As Ethereum provides a blockchain platform , if you have an idea/project in your mind , there is no need to develop your own blockchain , you can start building your project on Ethereum blockchain . This is more than a digital currency due to their blockchain platform . In 2016 the price of Ethereum Ether was less than 3 USD but in 2022 one Ether’s price is more than 3000 USD .

#3. Litecoin (LTC) :

Litecoin was created by MIT graduate and former Google Engineer Charlie Lee in 2011 . Litecoin has much faster blockchain generation that’s why it provide faster transaction & confirmation . Day by day Litecoin has been growing by number of merchants due to faster  transaction & confirmation . Litecoin transaction completed in 2.5 minutes whereas Bitcoin transaction takes 10 minutes to complete . In march 2017 , Litecoin price was 3 USD  but in January 2022 , LTC price was more than 120 USD .

#4. Binance Coin (BNB) :

Binance coin was created in 2017 & initially Binance coin was operated on Ethereum blockchain platform but ultimately it had launched its own platform i.e. the Binance Chain . Binance coin is for those who use token as a way of payment for exchange .  If we talked about trading volume , the Binance coin is the most widely used exchange in the world . Binance coin can also be exchanged for other Crypto such as Bitcoin , Ethereum , Litecoin etc . It is more flexible in payments methods . One can also book hotels , flights , pay for virtual gifts , lottery etc on some websites . Several platforms also allow to invest in stocks , ETFs , used as collateral for loans etc . The current market capital of BNB has more than 70 billion USD .

#5. Cardano (ADA) :

Cardano is created in 2017 by Charles Hoskinson . Like Ethereum , Cardano has also a blockchain platform but difference is that it has many improvements in technology over Ethereum . That’s why Cardano is being considered as most advanced blockchain Technology till now . Cardano is one of the top 10 Cryptocurrencies of 2022 . Cardano is more scalable than Ethereum having capability of 257 transactions per second .

#6. Ripple (XRP ):

Ripple was launched by Ryan Fugger and Mc Caleb in 2012 . It is very popular due to its fast international transaction that is completed in seconds , as similar transaction in banks takes long time . Ripple was developed in such a way that it enable quick & cheaper international transaction . Ripple processes more than 1500 transactions per second . Due to this it has gained so much popularity . The main focus of Ripple is on one industry , that is related to International money transfer . As transfer is completed within few seconds and also charge is very few as compared to banks and any other financial institutions . This is the main advantage of Ripple . Ripple also has tie up with multiple financial institutions to its payment network .

How to Buy ?

You may buy cryptocurrency in following way :

  • Traditional Brokers : There are some brokers who deal with bond , stocks , etc . they also deal with crypto . Therefore you can buy crypto from them online .
  • Crypto exchange : You can also buy Cryptocurrency from Crypto Exchange .

How to Store Crypto ?

As we put our physical currency in leather wallet , similarly after purchasing Cryptocurrency we can store its key in a Cryptocurrency Wallet . As crypto do not exist in physical form , so we can not put in physical wallet . Therefore in Crypto wallet , private keys and public keys  is to be stored . We can understand private key & public key with an example . Public key is like your Account number and private key is like PIN . As you may share your Account Number with anyone , with your company to pay salary etc .  Hence there is no problem on sharing your public key , but private key is like your secret password it can’t be shared. Your wallet address look like this :


This is the combination of letters , numbers having both upper case & lower case .

There are different types of wallet available having different features .

(i)Desktop Wallet

(ii) Mobile Wallet

(iii)Web Wallet

(iv)Hardware Wallet

Things you can buy :

As popularity and adoption of Cryptocurrency increases day by day , therefore you can buy several things using Crypto . As adoption level increases in future , you can buy more & more things by using crypto .

  • Several Tech companies accepts crypto to sell their products e.g. Microsoft , AT&T etc. Some e-commerce companies such as Shopify , Rakuten also accepts Crypto .
  • Some Luxury goods retailer also accepts Cryptocurrency to sell their products e.g. Rolex .
  • Some car dealer also accepts crypto as a payment .

In this time most of the person accepts it as an Investment Asset . But as the time passes and adoption of crypto increases you can buy many more things .

What is Foreign Remittance ? | Inward Remittance | Outward Remittance ?


This is the transfer of money between sender (who is living in one country) & receiver (who is living in another country ) . The transfer of funds are called remittances . As transfer of money takes place between the two different countries so it is called foreign remittances .

There are two participants one is called active participant and other is called passive participant . The person who sends money is called active participant & the person who receives money is called passive participant .

1. Types of Remittances :

  • Inward Remittance : In this remittance , person is passive participant , because he has to given his details to sender who will transfer money . Therefore in Inward remittance money is received from abroad .
  • Outward Remittance : In this remittance , person is active participant because he has to transfer money to recipient account . In outward remittances money is sending abroad , hence one should always choose right bank for outward remittances .

2. Be careful about choosing Bank :

The person should be careful about choosing bank for transfer of money .

  • Time for Process Completion : In how much time bank will complete the remittance processes . Some bank complete the transfer process within two days .
  • Hidden Fee : One should always check before transferring that is there any hidden fee is imposed on remittance .
  • Check Limitations : How much money can be transferred . What is the maximum limitations (Maximum Amount) of transferring money .
  • Exchange Rate : Before transferring one should always check that how much is the exchange rate .

Thus we can say that foreign remittances are the financial lifeline for a person living abroad .

How to get Education Loan ?

Education Loan

As we all know that quality education plays very important role in creating a successful life . But due to sky rocketing fee of college/Institution every year , it is very difficult for a student to take a quality education from a premier college/Institution . If a student qualify the entrance examination for taking admission in premier college/Institution but due to high tuition fee  it is very difficult to study in such colleges/Institutions . Therefore education loan is a hopeful way for those students who can not afford such a hefty amount . On the basis of education loan facility provided by banks and NBFC student can fulfil his dream to study in premium college/Institution .

Now let me tell you how to get education loan :

#1. Eligibility Criteria :

  • Application should be Indian resident having age lie between 16 years to 35 years .
  • Should have confirmed admission in college , university recognised by UGC , AICTE
  • Mostly available for Graduate , Post-graduate & diploma courses .

For education loan approval of applicants , co-applicant is mandatory .

#2. What is covered by Education Loan:

  • Tuition fee of college/University
  • Accomodation Charges of college
  • Examination fee , Library fee
  • Books & Equipments

If any applicant going to study abroad then travelling expenses are also covered .

Amount Sanctioned : The amount sanctioned if applicant study in India will be up to Rs. 15 lacs

For abroad , the sanctioned amount will be up to Rs. 75 lacs . But it all depends upon course , colleges & banks .

#3. Collateral / Security Required :

  • Up to Rs. 4 lacs : No security is required .
  • More than Rs. 4 lacs : parent to be joint borrower + Tangible collateral security . e.g Property , Fixed deposits , Life Insurance etc.

Moratorium Period: After how much time borrower will have to start paying loan . Moratorium Period will be Course period + Max. 1 year after course completion .

e.g. If a student doing B.Tech (4 year degree courses) then up to 4 years he has not to pay any amount because he is not able to pay during this period . One extra year is given to him so that so that during this period he will get the job and start repaying the loan amount .

#4. How much Margin Money :

  • Up to Rs. 4 lacs – No margin money is required .
  • More than Rs. 4 lacs –   5% will be margin money for studying in India

e.g. If college fee is Rs. 5 lacs then applicant would have to pay Rs. 25000/ and rest amount Rs. 475000/ would be paid by banks .

For study in abroad : 15% will be margin money

#5. Interest Rate :

As interest rate is not constant whereas it is variable and depends upon colleges , Courses etc.

(i) For Premier Institutions/Colleges , Interest rate is low . e.g. For IIMs/IITs/IISc interest rate is 8.25 % to 8.65 % .

(ii)For other Institutions / Colleges : Interest rate is 9.15% to 10.15%

(iii) For girls applicant there is a rebate of 0.5% on interest rate .

Note that Interest rate varies from bank to bank so please compare it before getting loan from any banks or NBFC.

#6. Tax Rebate & Disbursement :

  • Avail Tax rebate up to 8 years under Income Tax Act .
  • Applicant should know that loan is disbursed directly to college/Institutions .

#7. Documents Required :

  • Application Form
  • Admission Letter along with fee details of college / Institutions
  • Aadhaar Card
  • PAN Card
  • Residence Proof
  • Income Proof of Parent/Guarantor
  • Passport / Visa if applicants are going to study abroad

How to create Wealth | 5 steps for Wealth Creation

Hello friends ,

Have you ever thought ? Why some people are successful in their life ? Why some people are rich ? The reason behind this is : This is all about mindset . Hence you should always educate and cultivate your mind about money . You should always track your cashflow .

What is Cashflow ?

Cashflow is the difference between your monthly income & your monthly expenses .

Cashflow = Monthly Income – Monthly Expenses

There are three cases :

Case(i) : If cashflow is negative : It means your monthly Income is less than monthly expenses .

Monthly Income <  Monthly Expenses

Be aware ! Take action and control this situation as early as possible , otherwise day by day your liability will be increases and you would be under heavy debt .

Case(ii): If Cashflow is Zero : It means your monthly Income is equal to your monthly expenses .

Monthly Income =  Monthly Expenses

This situation is also not good but better than previous one , because if you are in need some extra money which you have never thought then how can you manage ? You would have to take debt from your friends , relatives etc. for fulfilling you need .

Case(iii): If cashflow is Positive : It means your monthly Income is greater than your your monthly expenses .

Monthly Income >  Monthly Expenses

This is the best situation . In this situation at the end of every month you have some extra money in your account & you can use this money for investment , doing some other work or any other future planning .

Now we are discussing about some simple steps for Wealth creation :

1. Educate & Cultivate Mindset :

You should always educate your mind about money & money management , discussing about money . You should ask question in your mind : how to start secondary income ? how to earn more money ? because single income can not make you rich ? . Hence educate yourself about personal finances & money management .

2. Decide your Destination :

Sit properly on your bed , be calm and close your eyes for sometime , when your mind became cool & calm think deeply what do you want to achieve in your life ? what is you financial goal . If you got the answer of this question then set your goal . Now big question is that how this goal can be achieved ? Don’t worry , come to next steps .

3. Saving & Investing :

As you know you have already set your financial goal . I suppose that your cashflow is positive i.e. case(iii) which I have already discussed . In every month you should follow this Rule :

Monthly Income – Saving = Expenditure

Now starts Investing your saved money in SIP (Systematic Investing Plan) . If you have invested few hundred dollar in a month , then at the end of year you have invested few thousand dollar & this process is going on . This investing habit will make you millionaire .

4. Control your greed / emotions in investing

You should always control on your greed and emotions in investing your money . If you have no knowledge about money management you should acquire knowledge or take advice from expert so that you could manage your money effectively .

5. Money Management :

Since you have invested your hard earned money & the process is going on ….. so it is necessary that you should track your money . For this you should learn about money management system . Learning is a great thing this will educate you & make you aware so you could take better decision to achieve your financial goal .  By educating yourself about money  & money management system that how the system works ? how several people earn lots of money ? all the answer will come from money management system .

How to become rich by making more assets not liability ?

Hello friends ,
In this article we are going to tell about :

  • What is Asset ?
  • How to make Asset ?
  • What is the difference between Asset & Liability ?
  • How to become Rich by making more Assets ?

What is Asset ?

Any item that put money in your pocket is called Asset , that means assets may generate passive income for yourself . Passive income means that income is also generating while you are not actively involved in this or you are sleeping . This is the Power of Passive Income .
Some Examples are : Stocks , Mutual funds , Index funds , commodities , Books , courses , content etc.
These things generates money while you are not in active mode . Once you have invested , your money growing . So more you have assets more you earn . Hence If you want to become rich you should generate more and more assets .

What is Liability ?

Any item which take money out of your pocket is called Liability . For Example : If you have purchased a car without your need or little need then this is a liability for you because you it requires maintenance , EMI and its value also decreasing day by day . But if you have given it on rent then this same car is generating money for you and this will be an asset for you .
Thus If you think in smart way you may convert your liability into asset . So asset generates money for you and liability take money out of your account .
After understanding the difference between assets and liability , we can say that your assets may become liability and liability become assets ,Its depends upon you approach .

So rule for becoming rich is :

Wealth creation is directly proportional to how many number of good assets you have been created .

Now I want to tell you a very interesting story :
Two friends are living in a town named Roger and Ginny . Both was working in same company at same post & having same salary . Roger always talking about assets , how to build & increase asset , how to convert liability into asset . But on other side his friend Ginny always talking about liability buying a house , car etc. After ten years result was amazing , Roger became millionaire but Ginny does not , reason is that Roger has created many sources of income by increasing number of assets but Ginny has one & only source of income i.e. his job with EMI for his house & car etc.

Now I want to tell you about some assets :

1. Stocks :

If you have knowledge of stocks market then you should invest in some good stocks . If you have no knowledge then you have to acquire some knowledge about stocks market and then starts investing .

2. Mutual funds :

If you have no knowledge of stocks then you may go through mutual funds because mutual funds are low risky and in long run this will give you better return .

3. Commodities :

As you have seen that the price of gold , silver , platinum etc. are increasing day by day . So if you want to invest in commodities it will also give you better return .
In this way you may diversified your investment and make more assets .

4. Bonds :

Government bonds are also be an options for investment and making money .

5. Books & Courses :

If you have an expert in any field then you may write a book , make a course and by selling them you can generate money for yourself .
So there are many ways of making assets & I have given some ideas . I expect this article will be helpful for all my readers & friends to make them rich .

How to become Rich | The power of compounding

How to become Rich | The power of compounding
Hello friends , Everyone wants to earn money and become rich . I want to tell you , how to become rich by using “ The Power of compounding Principle “
I want to tell you a practical example that how Power of compounding works ?

Suppose there are two bags , first bag contains 100 lacs rupees and second bag contains one rupee coin which doubles everyday up to 30 days .
Now you have to choose anyone bag , believe me most of the people will choose first bag . But people who know the power of compounding will choose second bag which contains one rupee coin . Now I would like to show you  how much rupees one rupee coin become after 30 days . On second day coin becomes two rupees , 3rd day become Four rupees , 4th day 8 Rs. , 5th day 16 Rs ….so on . After 30th days this will become more than 53 crore rupees . This is the power of compounding .

Now I want to tell you how to become rich by investing . Most of the people heard about share market , stock exchange . Stock Exchange is a place where stocks can be sell and purchased . But most of the people have a fear in their mind by investing in share market . Most of the people think that investing in share market is like a gambling . That means it is very risky to invest in stock market . That’s why most of the people do not take interest to invest in stock market , they think bank is safe so they are more interested in fixed deposit (F.D) .

Now I would like to tell you if you think that your hard earned money gain better return then you should invest in stock market through Mutual funds . Mutual fund is safe because it is regulated by SEBI (Securities & Exchange Bord of India) .
What is Mutual Fund ?

Mutual Funds are the group of investments which contains Gold , Stocks , Bond , Real State etc .
The company that manages mutual funds are called Asset Management company . The company hire many experts & they manages their money very wisely . They never put their money in a single portfolio . They put their money in diversified portfolio . Due to diversified portfolio , if they have some losses in one portfolio , there will be some gain in other portfolio and losses can be overcome .

Warren Buffett Says that “ Don’t put all your eggs in one basket ” , that means you should invest your money in diversified portfolio .

If you want to be rich then you should learn about money . You should talk about money .

Quantity vs Quality :

Always choose quality funds which have four to five star ratings .

Short Term vs Long Term Goal :

If you want to better return then always plan for long term investment .


Never put all you money in single portfolio , be diversified .

Don’t be greedy :

Don’t be too greedy about returns , always see the company background before investment . Who is running the company , what is their goal , which types of business they do etc . After knowing this in & out you should invest .