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Understanding ETFs Uses, Returns and Comparison with Mutual Funds and Stocks

 Exchange-Traded Funds (ETFs) have gained popularity among investors for their unique features and benefits. In this blog, we'll explore the uses of ETFs, their potential returns, how they differ from mutual funds and stock investments, and their safety profile. What is an ETF? An ETF is a type of investment fund that trades on stock exchanges, much like individual stocks. It holds a collection of assets, such as stocks, bonds, or commodities, and aims to track the performance of a specific index, sector, or asset class. Uses of ETFs Diversification : ETFs allow investors to gain exposure to a wide range of assets without having to purchase each individually. For instance, an ETF tracking the S&P 500 gives you exposure to 500 different stocks, reducing the risk associated with individual stock investments. Cost Efficiency : ETFs often have lower expense ratios compared to mutual funds. They typically pass on lower management costs to investors since they are often passively man
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Atal Pension Yojna (APY)


GOI social security scheme for unorganized sectors workers w.e.f. 01/6/2015

Administrated by

- PFRDA (Pension Fund Regulatory and Development Authority)

- NSPL (National Security Depository Ltd) - Act as CRA(Central Record keeping Agency)

- Institutional framework of NPS utilized for enrolling the subscribers.

Banks - Nodal Agencies

Non Bank i.e NBFC, MFIs- Business facilitators to bank.

Eligibility Criteria & Important Points Regarding APY



1) All the citizens of the country in the unorganized sector.

2) Age 18-40 years

3) Date of the birth proof mandatory

4) Valid mobile number mandatory

5) Open to all bank a/c holders who are not member of any statutory social security scheme.

6) Even they can join but will not get GOI contribution

7) Payment frequency-monthly/quality/half yearly

8) Minimum Contribution - 20 Years

9) Pension Start at - 60th Year

10) Payment Discontinuation - 

After 6 Months - Account will be frozen

        After 12 Months - Account Will be deactivated

        After 24 Months - Account will be closed

11) GOI contribution - 1000/- Rs or 50% of subscribers contribution for 5 years

12) Pension Range - 1000- 5000


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