In this article, we’ll break down FD vs SIP in terms of returns, safety, liquidity, tax benefits, and long-term performance to help you make the right choice in 2025.

What is a Fixed Deposit (FD)?

An FD (Fixed Deposit) is a safe investment where you deposit a lump sum amount in a bank for a fixed period, and you earn interest at a pre-decided rate.

• Return Type: Fixed
• Risk Level: Very Low
• Tenure: 7 days to 10 years
• Interest Rate (2025 average): 6%–7.5% annually

Example:

If you invest ₹1,00,000 for 5 years at 6.5% interest, you’ll receive approximately ₹1,38,225 at maturity. The returns are fixed and guaranteed, regardless of market conditions.

Pros:

• Guaranteed returns
• Low risk
• Flexible tenure

Cons:

• Returns may not beat inflation
• Interest is fully taxable
• Penalty on premature withdrawal

What is a Systematic Investment Plan (SIP)?

Systematic Investment Plan (SIP) is a method where investors contribute a fixed sum regularly to mutual funds, allowing long-term wealth growth. This approach can be started with low amounts and provides flexibility. Unlike FDs, SIP returns are market-dependent.

• Return Type: Market-linked
• Risk Level: Low to High (depending on fund type)
• Tenure: Flexible (ideal for long-term)
• Historical Returns: 10%–15% annually (for equity funds)

Example:

Investing ₹2,000/month for 5 years at 12% average return results in approximately ₹1,62,000, while the total investment is ₹1,20,000.

Pros:

• High return potential
• Compounding and rupee cost averaging benefits
• Tax-saving options (ELSS)

Cons:

• Market-linked, hence risky
• Returns not guaranteed
• Requires long-term discipline

FD vs SIP: Quick Comparison Table

Real-Life Example: FD vs SIP in 5 Years

Which One is Better in 2025?

Choose FD if:

• You need guaranteed returns.
• Your investment horizon is short (less than 3 years).
• You’re risk-averse and want capital protection.
• You are a senior citizen looking for fixed income.

Choose SIP if:

• You are investing for long-term goals (5+ years).
• You want to beat inflation and grow wealth.
• You can tolerate short-term market volatility.
• You want to start with as low as ₹500/month.

Tax Angle: FD vs SIP

FD Interest: Fully taxable as per income slab.

SIP Returns: If held for less than 1 year, Short-Term Capital Gains (STCG) are taxed at 15%. If held for more than 1 year, Long-Term Capital Gains (LTCG) are tax-free up to ₹1.25L/year. Beyond this limit, a 12.5% tax applies.

Conclusion: FD vs SIP – Who Wins?

If safety and fixed returns are your top priority, go with FDs. But if your goal is to grow wealth over time and beat inflation, SIPs are the clear winner—especially in 2025, when market participation is growing and digital access to mutual funds is easier than ever.

Tip: It’s always a good idea to consult with a financial advisor to tailor your investment strategy to your specific goals and risk tolerance.

The post Fixed Deposit vs SIP: Which is the Better Investment in 2025? appeared first on Market Mantra.

Bookmark this guide and refer to it whenever you come across a confusing term.

A to Z Stock Market Glossary for Beginners

A – Ask Price

The ask price is the lowest price a seller is willing to accept for a stock. It’s one side of the stock’s price quote, the other being the bid price. If you want to buy shares immediately, you must pay the current ask price.
Example: If a stock’s ask price is ₹150, you’ll need to pay ₹150 or more to purchase it right away.

B – Bid Price

The bid price is the highest price a buyer is willing to pay for a stock. It’s the counterpart to the ask price in a stock quote.
Example: If the bid price for a stock is ₹145, you’ll get ₹145 per share if you sell right now.

C – Capital Gains

Capital gains are the profits earned when you sell a stock at a higher price than you bought it for.
Example: If you buy a share at ₹200 and sell it at ₹250, your capital gain is ₹50 per share.

D – Dividends

Dividends are a portion of a company’s profits shared with its shareholders.
Example: If a company declares a ₹5 dividend and you own 100 shares, you’ll receive ₹500 as a payout.

E – Equity

Equity represents ownership in a company.
Example: Owning 100 shares of a company with 10,000 total shares means you own 1% of that company’s equity.
Note: Equity holders benefit when the company grows.

F – Futures Contract

Futures are contracts to buy or sell an asset at a predetermined price on a future date.
Example: You agree today to buy 100 shares at ₹500 next month, expecting the price to rise.

G – Growth Stock

Growth stocks are shares of companies expected to grow faster than average.
Example: A tech startup that reinvests earnings and increases revenue rapidly may be a growth stock.

H – Holding Period

The time between when you buy and sell a stock.
Example: Buying on 1st Jan and selling on 31st Dec gives you a 12-month holding period.

I – Intraday Trading

Buying and selling stocks within the same trading day.
Example: Buy at ₹100 in the morning and sell at ₹105 by afternoon.

J – Junk Bonds

High-yield bonds with lower credit ratings and higher risk.
Example: A struggling company may issue junk bonds offering higher returns to attract investors.

K – KYC (Know Your Customer)

A verification process to confirm investor identity and prevent fraud.
Example: Submitting ID and address proof when opening a trading account.

L – Liquidity

The ease with which an asset can be converted to cash.
Example: Stocks of large companies are highly liquid due to active trading.

M – Margin Trading

Borrowing money to buy more stocks than you can afford with your own capital.
Example: With ₹10,000 of your own and ₹10,000 borrowed, you can invest ₹20,000.

N – NAV (Net Asset Value)

The value per share of a mutual fund or ETF.
Example: Assets of ₹10M minus liabilities of ₹1M with 1M shares = NAV of ₹9.

O – Open Price

The price at which a stock first trades when the market opens.
Example: If a stock opens at ₹200, that’s the open price for the day.

P – P/E Ratio (Price-to-Earnings Ratio)

A valuation metric comparing stock price to earnings.
Example: Price ₹200 / EPS ₹10 = P/E ratio of 20.

Q – Q1, Q2, Q3, Q4

Financial quarters used to report company performance.
Example: Q1 = Apr–Jun, Q2 = Jul–Sep, Q3 = Oct–Dec, Q4 = Jan–Mar (India fiscal year).

R – Resistance Level

A price level at which a stock tends to stop rising.
Example: If a stock keeps failing to go above ₹500, that’s its resistance level.

S – SIP (Systematic Investment Plan)

Investing fixed amounts in mutual funds regularly.
Example: ₹2,000/month SIP can grow significantly over time due to compounding.

T – Technical Analysis

Using charts and indicators to forecast stock price movements.
Example: A moving average crossover can signal when to buy or sell.

U – Upper Circuit

The maximum price a stock can reach in a day as set by the exchange.
Example: Stock with 10% circuit and open at ₹100 can’t go beyond ₹110 that day.

V – Volatility

The degree of variation in a stock’s price over time.
Example: A stock swinging between ₹100 and ₹150 is highly volatile.

W – Watchlist

A list of stocks you’re monitoring for potential investment.
Example: Add Infosys, TCS, and Reliance to your watchlist for daily tracking.

X – X-Dividend Date

The cut-off date to qualify for a dividend.
Example: If X-dividend date is April 25, buy before this to receive the dividend.

Y – Yield

Return from a stock (usually via dividends), shown as a percentage.
Example: ₹10 dividend on ₹200 stock = 5% yield.

Z – Z-Score

A measure of a company’s financial health and bankruptcy risk.
Example: Z-score below 1.8 may indicate high financial distress risk.

Understanding stock market terms is the first step toward confident investing. With this glossary, you’re better equipped to read market news, make smarter decisions, and build long-term wealth.

The post Stock Market Terms Every Beginner Must Know (A–Z Glossary) appeared first on Market Mantra.

Decide on how to invest in stocks:

You can discover a wide variety of ways to invest in a stock market. Pick the choice of investing by deciding on going through all of the approaches. When you have decided to invest in a certain way then you can go to the next step to shop for opening an account of investment.

Open the account of investment:

Before you decide to invest in the stock market, it is essential to have an investment account. This means having an account of the brokerage. You can take the help of Robo advisor on how to open the investing account or you can consult an agent. The agent as well as Robo advisor enables you to invest with a little amount of money at first. You can open an investing account in two ways either you do it yourself or open it through a passive option.

Understand the contrast between stocks and mutual funds of stock:

For individuals, the stock investment can happen both ways.
Separate individual stocks – If you decide the company to invest in then you can buy a single share or some shares of stocks to make yourself immersed in the stock market. You have to build a portfolio of the possible stocks. However, it needs some investment to put in.

Stock mutual funds – The funds of mutual ones allow little pieces of various stocks in one transaction. For an instance, the fund of the poor 500 represents the index by purchasing the company’s stock. You might also own little pieces of shares belongs to every organization if you invest in a fund. The mutual funds of stock are said to be equity mutual funds.
The advantage of stock mutual funds is that they are less dangerous to invest in. The benefit of individual stocks is that wise payment can be done but it making you rich is little option.

Put a budget for your investment of stock:

You have to think about the amount of cash you need to invest in the stock market. The next inquiry most of them get is how much cash is required to invest in the market of stocks. You also need to know the approaches of investing the cash.

Concentrate on the long term:

Investing in the stocks is filled with strategies and approaches which are intricate. Few of the investors who are successful stick to the fundamentals. It means utilizing the funds for your portfolio in bulk. You need to pick the individual stock if you trust in the potential of the organization for the growth of the long term.

The better thing to do you begin investing in mutual funds or stocks. It might be a difficult thing to do. When you are thinking to bear the odds then only go for trading every day. It is good to prevent the habit of checking the stock market each day.

Maintain your portfolio of stock:

It is crucial to check your stocks where you invested every day. As there are a fall and rise in the stock market every day for fraction of second. It is important to visit your portfolio of stocks. It is also important to manage the stock portfolio. It is important to check your portfolio every day because when you think of retirement, you might want to stop investing. So, make sure to check your portfolio of the stock market where you did invest your money.

The investment in the stock market can be interesting and fun. However. every better thing comes at a cost. The cost you pay is research into yourself while you think of investing in the stock market. You need to understand the risks you are going to take, which type of stocks are accessible in the market, what type of investor are you, and which is suitable to you the most. Always invest and have fun to enjoy the advantages after investing in the stock market.

The post Basics of investing in a stock market appeared first on Market Mantra.

The advantages of investing in the stock market are:

Dividend income of source:

Few of the stocks offer the dividend form of income to the one invested in the stock market. Not every stock is going to give you dividends which does the annual payment to the people who invested. Even the value of a stock is lost, you can still receive income in this type of stock market. The income of dividends can get you a retirement fund or pay your more amount of money than your invested cash.

Ownership:

When you buy stock shares, it means having a stake of ownership in the organization where you bought the stocks. This is meant as stock market investing which brings advantages that are business owner’s major part. The holders of share vote on board members of the corporate organization and make some useful decisions. They are also going to get annual records to learn about the organization. The company stock which you are owning can let you work to tie your finances personally and express your loyalty to the entire business success.

Diversification:

Investors who keep the cash in a variety of investment items acquire the diversification advantage. The investments in the stock market alter the independent value of other investment kinds like real estate and bonds. When you hold the stocks, then it can help even when you get loss to other products of investment. This also adds the portfolio as the rapid gains, helping the people that invested money, and prevents the risks or for strategies of investment.

Gains of investment:

The main advantage of stock market investing is the choice of developing your cash. The market of stocks is going to rise in value through the individual cost of a rise in stock and it fails every day. The stable organization’s investment is capable to develop to create profits for the investors. When you investing in various markets of stocks, it will build your wealth in various economy sectors. This results in a profit when a few of your stock loses the value individually.

Drawbacks of investing in the stock market:

Stockholders paid last:

If an organization gets broken then bondholders, creditors, or specified stick holders are going to get their payment at first. This is going to happen only when an organization goes bankrupt. The portfolio which is diversified in a good way must put the company safe if any organization is leading the path of loss.

Emotional roller coaster:

The prices of stocks fall and rise every fraction of second. The people buy out of greed, out of fear, and sell low. The better thing is doing it consistently to look at the stock’s fluctuation of price. This is to make sure to check it based on regularity.

Time:

You need to do some research on every organization before purchasing stocks on your own to check how it offers you profits. You need to learn about reading the annual reports and statements financially. Make sure to consider the development of the company. You also have to see the stock market as there is price fall in a market crash, bear market, or market correction.

Expert competition:

The professional traders and the investors of an institute have more time and wisdom to invest in the stock market. They also comprise of financial models, systems of the market, and trading tools that are sophisticated. You need to gain the benefit as the investor investing individually.

Risk:

If the company in which you have invested in running poorly, sending plummeting stock price, and investors will sell as there is a risk of losing the total environment. When you are going to sell then you are going to lose all the investment. You might not afford to lose your first investment. You need to buy bonds. This can make you get the breakage of income tax if you lose stock or money. You might pay taxes of capital gain when you receive the cash.
Thus, these are the advantages and disadvantages of investing in the stock market.

The post What are the advantages and disadvantages of investing in the stock market? appeared first on Market Mantra.

Compounding power:

The compounding concept is needed while you are investing in the stock market. When you allow the investment to be for a longer time than the rates of interest compounds. You are going to get better outcomes. Then you will get the investing advantages in the stock market. For an instance, for the first year, you invested a hundred rupees. The earned interest is going to be 10%. The money at the first-year end is going to be 110 rupees.So, if you allow the power of compounding, your money is going to increase rapidly. Do not disturb your investments make it stay for a longer time. Such that you get better profits.

Fixed returns are boring:

When you think of why it is better to do investment in stock markets than fixed returns seem boring. You can find other locations to find the best amount of cash value. The custom items such as recurring deposits or fixed deposits are secure devices yet offer the investment tenure for the fixed returns. The customized products offer you a fixed number and partition some resources which will provide you stocks that produce wealth. It can help you reach your goals in a faster manner with the amount of investment.

It is simple:

With the advancing platforms in a digital way, the process of on boarding became hassle-free and fast. You can finish the authentication of identity and KYC within a fraction of seconds within the solace of your home. You don’t have to stand in lines with certificates in your hands for a long time. It not only provides convenience but also platforms of new-age offer resources, wealth which you can utilize to learn the investing nuances. With knowledge and comfort, you can decide the string option of investment within your hands.

Win the fight against inflation:

For the creation of wealth, inflation is the obstruction. So, picking the paths that compete against inflation will help you grow rich. Think that your investment makes you obtain returns of 3-4% each year. If you invest a 100 rupees, then you might get 104 rupees with inflation of 3.5%. Then the money value decreases and what you might afford approximately is 100.5 rupees.

The rate of inflation can seem high where your returns that you acquire from investment be minimal or cancel. If the rates of return are not higher than the rate of inflation, it can affect your investment to be less, negative, or it might be zero. The returns of stock investment can double the return of inflation. So, you have to win against the inflation of getting rich.

The strong investment for a longer time:

The investments for a longer time are going to get great profits in the stock market. It is not the thing that they might get you cross, but an investment of lakh worth can get you cross. However, the stock markets are going to help you achieve your objectives for the long term such as a retirement plan.

The post What are the reasons to invest in the stock market? appeared first on Market Mantra.

How to buy stocks?

When a person wants to buy a stock share, they do so either by personally purchasing it from an existing shareholder or by placing a trade order in front of the exchange. In a trade order, the buyer of the share does not physically have to make the purchase, but has to place the order and the exchange will buy the share and assign the bid and ask price to it at a later date. The share will be listed in the market at that price.

How to make money with stock market?

How does a person make money on the stock market? Well, by purchasing a share when there is high demand, but the share itself is too expensive. This will give the seller a great profit on their share of the overall market.

In the past, most people knew nothing about the mechanics of the stock market. Today, this is very different. Websites give all sorts of information on how the stock market works and the factors behind the value of a share.

How exactly does the stock market work? Well, the price of a share of a stock rises or falls, depending on several factors, including the current state of the economy, economic conditions in other countries, the outlook of the company itself, and various other factors. If a company issues stock that they believe will be worthwhile, but they haven’t been able to turn a profit in the past, their investors may try and get them to do so by offering a certain amount of company stock at a reduced price. In return, investors will receive cash.

Who benefits from the stock market?

All investors, even those who don’t invest, benefit from the rise and fall of the market as each share of stock provides investors will sell off into a profit. The larger investor usually ends up with more money because of the profit margin. The profit margin is the difference between the price of the actual stock and the offer price. So, investors who buy large amounts of shares will have more profit.

The stock market goes up when companies that need capital to raise money (such as a new company) issue shares in the market for a reasonable price, but then they are unable to meet the requirements and receive funding. This will cause a drop in the price of the shares. A drop in the share price will result when there is no funding, and the company goes out of business. Some companies are able to float the market, and the price of the shares does not move.

Why is the stock market profitable for some people, but not for others?

Many people can buy large shares of stock for a relatively low price. For example, if you buy a large share of the company when it has low supply, you will earn a higher profit. In addition, many people can also buy small amounts of shares that they can hold on to for a long period of time, meaning that they will enjoy a high profit for years.

How does the stock market work if there are no buyers in it? Since it is a open market 24 hours a day, it follows that the prices will continue to rise and fall over time. This is one of the reasons why the market sometimes goes up, and sometimes it goes down. The prices will drop if supply is so low that no one is willing to buy at that time, such as when a new product or service is available for a particular business.

So, now you know how the stock market works. It is something to look forward to if you are looking to make some money.

Note: Author of this post Saheem

The post What is stock market and how it works? appeared first on Market Mantra.

Repo rate is the rate at which the central bank of a country (Reserve Bank of India in case of India) lends money to commercial banks in the event of any shortfall of funds. Repo rate is used by monetary authorities to control inflation.

At the time of inflation central banks increase repo rate as this acts as a disincentive for banks to borrow from the central bank. This reduces the money supply in economy helps in controlling inflation.

How does repo rate work?

When someone borrow money from the bank, this lending of money attracts some amount of tax on the principal amount. Similarly banks borrows money from Central Bank (i.e., RBI in India) during less cash inflow, on which they have to pay interest on it. This is termed as Repo Rate.

Components of Repo transaction?

The components of repo rate transaction between Central bank (RBI) and banks are as follows:

1. Bank have to provide some security against the loan amount (RBI-recognized securities that are above the Statutory Liquidity Ratio limit).
2. Central Bank (RBI) gives one day or overnight loan to bank.
3. Central Bank (RBI) charges interest on it (i.e., Repo Rate) on it.
4. Banks returns the loan amount after one day and repurchase the security they gave.

How Repo Rate effect Economy?

Repo rate are important and powerful arm of the Indian monetary policy that is responsible for regulation of country’s money supply, inflation levels, and liquidity (Cash Flow).

The levels of Repo Rate have direct link to the cost of borrowing to the banks. Higher the Repo Rate higher the will be the cost of borrowing for banks which effect direct to customer.

E.g. If A borrows money from XYZ Bank at that time if the repo rate is high interest to be paid by A is also high and if the repo rate is low the interest is also low.

When inflation rises:

During the inflation time, Central bank (RBI) makes some hard attempts to bring down flow of money in economy. For doing this Central bank have to increase the Repo Rate.

When RBI wants to flow Cash into system:

When Central Bank (RBI) needs to increase the flow of the cash into the economy it lowers the Repo Rate.

What is Reverse Repo Rate cut?

Reverse repo rate is the rate banks charge on funds they invest in government securities with the RBI. When the reverse repo rate rises, banks may raise home loan interest rates, because it becomes more profitable for commercial banks to invest in low-risk government securities instead of lending to people investing in property in India. When the reverse repo rate falls, home loan interest rates may fall.

How does reverse repo rate work?

Increase in reverse repo rate will definite decrease the supply of money into the market etc., other things remain constant. An increase in reverse repo rate means commercial banks will get more incentives to park their money with RBI, thereby decreasing money supply into the market.

It has an inverse relation with the money in the economy.

Components of Reverse Repo transaction?

Following are the components of the reverse repo transaction:

1. Bank parks its excess cash with the RBI for one day.
2. Such money will be considered as a one day loan by the bank to the RBI.
3. RBI gives an interest rate called reverse repo rate to the bank

How Reverse Repo Rate effect Economy?

When there is a hike in reverse repo rate, banks can earn higher on their money which is deposited in RBI (Reserve Bank of India). This is the best way for safer investments for the banks so the overall flow of the money into market will decrease as more bank’s surplus funds are deposited with Reserve Bank of India (RBI) instead of being lent out.

This leads the banks to invest more money in more lucrative avenues such as money markets which increases the overall liquidity available in the economy. While this can also lead to lower interest rate on loans for the bank’s customers.

The decision will depend on multiple factors including the bank’s internal liquidity situation and the availability of other potentially less risky and equally lucrative investment opportunities.

The post what is repo rate and reverse repo rate and how this effect to economy? appeared first on Market Mantra.

As the above quote of great scientist explains the value of compounding itself. The general definition of compounding is earn on earnings means earn more on your interest also on long term investment. The technical definition of Compounding is the reinvestment of interest at the same rate of return which we are getting on principal amount, year on year. The value of the investment grows vertical in increasing way rather than horizontally.

Why choose compounding?

If a person want to grow his money in long term investment goal, must choose compounding formula. Compounding makes your money multiply in such a way that other investment formats could not give you the same result.

Once you choose your goal and time, you can easily achieve it if you invest the correct amount in some good investment option having compounding format.

What are the important factors for compounding?

• Start Investment: It is not necessary to start it early but if someone does it on right time can make a wealth. If anyone starts investing from the day he start working, can grow his money multi fold over the period of time. It provide the time for money to grow and make wealth for future goals. Start from any small amount that can be upto 5 to 10 percent of your monthly income.
• Discipline & Calm: Continue investment makes you a disciplined and patient human being and over the time these two habits convert your money a huge asset for you. Once you have the discipline of investing, you also start the habit of saving money and avoid the unnecessary expanses which you are doing presently. There are so many financial calculators available to choose to achieve your financial goal.

Let understand it with an example:

Kareena and Karishma both sisters who have just started their career at the age of 20 and plan to retire at age 65. Kareena starts saving Rs. 6,000 every year from age 20 and continues to do until she is 35 years old, after age 35 she is stops making any further investment. On other hand, Karishama starts saving Rs. 13,000 every year from the age of 35 and continues to do until she retires at the age of 65. if both earn, say, 9% per annum on their investment then both will wealthier when they will retire at the age of 65. Surprising, isn’t it? At 65, Kareena would have accumulated Rs. 28.37 lakh whereas Karishama wealth would have been lower at Rs. 21.03 lakh while Kareena total investment was Rs. 90,000 and of Karishama Rs. 3,90,000.

The result would be the same even if one considers a one-time investment. For example, assume that Kareena invests Rs. 10,000 at the age of 20 in an instrument that fetches 15% per annum. Karishama, on the other hand, invests Rs. 100,000 at the age of 40 in the same instrument. When both turns 60, Kareen’s Rs. 10,000 investment would have grown to Rs. 26.78 lakh, while Karishama’s Rs 1 lakh would have grown to only Rs. 16.37 lakh.

Thus, the longer you stay invested the more money you will make. The best way to take benefit of compounding is to start saving and investing wisely as early as possible. The earlier you start investing, the greater will be the power of compounding.

Above example clearly shows that how Ram has earn Rs.693.28 more than Shyam on the same amount invested for the same number of years, just because of compounding interest.

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And these largest eCommerce firms are none other than, Flipkart and Amazon. At the end of their annual flagship festive season sales, these retailers, eager for their window-dressing metrics including gross merchandise value and net promoter scores, measured their success in buildings and mountains.

For instance, here’s what Amazon said about its five-day festive sale:
If all the Lego Bricks bought from Amazon India during Great Indian Festival were stacked, the tower so formed would be taller than Burj Khalifa.

Meanwhile, the tallest building in the world, Burj Khalifa, was used as a benchmark by Flipkart for its Big Billion Days sale:

Length of mobile cables sold (was) 100x the height of Burj Khalifa.

This wasn’t all.

Mount Everest, aircraft, and elephants – they used them all:

Having stated the facts and figures, the immediate question that you might be struggling with is:
How do Amazon, Flipkart or for that matter any other eCommerce player manage such huge sales?

Well, the answer lies in store optimization.

As soon as the holiday season approaches, it’s time for online stores to optimize their stores. The season is a great opportunity for merchants to grow and interact with their customers. While customers look for their favorite products and gifts for their loved ones, it is the responsibility of the merchants/store owners to make way for a seamless and smooth shopping experience.

The good news is, this time of the year is almost here. It’s time for you to maximise your holiday sales by implementing a set of proven strategies.

First things first,

What Areas Should I Focus On?

While the entire customer journey needs to be flawless, certain areas demand extra attention, including:

• Shipping
• Returns
• Exchanges
• Security
• mCommerce
• Checkout

The terms say it all. Each field needs to be optimized effectively for maximum output. To know the ‘how’, have a look at the strategies for maximizing 2019 holiday sales

Note: If you are a Magento store owner, we have got a specific set of store optimization tips for the holiday season.

Next comes,

Why Should I Optimize For The Holiday Season?

Huge Market Share
Well, this goes without saying but eCommerce has taken the retail market by storm. It is no longer a luxury but a necessity for businesses who seek to grow. According to Statista, retail eCommerce sales worldwide amount to 3.53 trillion US dollars and will reach 6.54 trillion US dollars by 2022.

With such a vast share, it’s is important for you to expand your business online and adopt strategies that increase your customer base, enhance your brand image, boost sales and profits.

Time-Friendly
Everyone is busy these days. Customers, usually, are short of time either due to their office timings, business meetings or simply household chores. With such busy schedules, 24*7 shopping is what tempts them the most. Your online store can provide them with the relief of shopping anytime, only if you optimize your store well. This would, in turn, give them a better experience and you a great customer base.

Customer Retention Is the Key
An online store with dissatisfied customers is the worst nightmare. Your store and eCommerce business stands nowhere without customer retention. Here the holiday season comes into the picture. At this time of the year, you can offer your customers whatever they are looking for themselves and their loved ones. Further, providing them with easy navigation, quick checkout or secure payments serves as the cherry on the cake. Once they are happy with your brand, they will return for another purchase.

Besides, brand identity, business reputation or market needs also form a part of the whys. It entirely depends on how you perceive each benefit and work towards it. Not to forget the sky-rocketing sales!

So, it’s your time to work big and make big.

The holiday season is around the corner, don’t let store glitches hamper your holiday joy!

The post Holiday Season and Big Billion Days : Time to Optimize eCommerce appeared first on Market Mantra.

Bank Fixed Deposit, Corporate Fixed Deposit, PPF, KVP, NSC, Tax Saving Bonds are few options to invest money But in these options money gives return in single digit 6% to 9% only and the inflation also increases same way in during these years. So ultimately the value on the investment gives zero returns at the end of the investment period. If someone get more than this have to pay income tax as per their tax slab.

When we are talking about stock market investments, that they give the highest potential returns in two digits or if you vast knowledge of the stock market, one can double their money in two to three years time.

Advantage of stock market investments:

• There is no lock-in period while other saving instruments have lock-in period as per their term & conditions.
• In need of any emergency you can sell your shares and get the money in 3 working days in your bank account.
• In property investment, it is very difficult to sell it easily when anyone facing financial crisis or during the slowdown in the property market. Also there is risk of fraud and cheating in this segment.
• Stock market gives freedom to choose the sector or any company you like or have the detail knowledge of the company process or any other related information about the future growth etc.
• Apart from giving high returns on investment from stock market you can save tax also i.e. short term gain tax slab 15% and long-term gain tax 10%.
• If you are new to stock market, the simple way to invest in Index fund i.e. Nifty index fund & BSE index fund where you will get the return as per return of the Index performance. Here you need not to worry about how to choose the stocks and their other credentials. Index fund is a bucket of top performer stocks in their sector. If any stocks not do better as per index measure they will remove from the bucket list and new stock take place of the not performing stock.
• Investment in stock market is purely a long-term process. If you really multiply your money first choose the good beaten down stocks and invest in them step by step. After a period of 3 to 5 or may be more your return can 2 to 3 times.
• Investment in stocks is a tension free work comparing to job or traditional business. There are many up and downs in the job and business as compare to do trading in stocks.

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