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Just because investing in real estate may be an unfamiliar investment vehicle, doesn’t mean it should be avoided. If approached correctly, a real estate investment can be a profitable and reliable investment opportunity to generate substantial returns. It can create a regular income flow while supplementing your portfolio with exceptional benefits such as tax advantage, diversification, and a less risky investment choice. On the other side, there are numerous reasons why people, especially Indians, prefer gold as an investment vehicle. Many families in India treasure gold for ages passing it from one generation to other as a mean of an asset. The top benefit of investing in gold is that your investment is very flexible. You can purchase 1 gram, 5 grams, 10 grams or any amount of gold depending upon the amount of money you have to invest. So basically, the gold investment can start from a few thousand of rupees to lakhs and crores depending on your investment appetite. Difference

Non-convertible debentures ( NCD ) are fixed-income instruments, usually issued by high-rated companies. They offer relatively higher interest rates when compared to convertible debentures. *1. What are Non Convertible Debentures (NCDs)?* As an investor, you are always on the lookout for improved and more sustainable schemes. Even traditional and trusted investments lose their sheen due to market volatility. In such cases, Non-Convertible Debenture or NCD has proven to be a dark horse by delivering smaller but steady returns over time. In the same line as traditional corporate FDs, NCD is also a fixed-income investment with a specific term and interest income. They are generally issued by companies to raise funds, and evidently, you cannot convert it to equities. To make up for this limitation, investors can enjoy supreme returns, liquidity, low risk and tax benefits when compared to convertible debentures. *2. Features of NCDs* *a. Issuance* Companies provide NCDs throug

*1. "Act As If"* In order to achieve a goal, you must become the kind of person who is capable of achieving that goal. And one of the best ways to do that is to act "as if" you are ALREADY that person. Think about it like this: How will achieving that goal impact you on a personal and professional level? What important knowledge, skills, and experience will you have gained? What will your mindset and behavior be like? What new habits will you have formed in order to achieve your goal, and How will you act? Get clear on these answers and then show up in the world as if you already are that person - and the universe will respond to you in kind, giving you the opportunities and resources you need to make your vision a reality. *2. "Get Comfortable With Being Uncomfortable"* Everything you've ever wanted is just beyond your comfort zone. It's true - in order to become who you need to be to achieve your goals,

*Four Wrong Retirement Assumptions* Most of us work hard so that we can retire in a financially comfortable position. But interestingly, once we retire, it requires a tremendous shift in mindset, to move from aggressive saving, to eventually shift from savings to spending. Having said that, the entire exercise is based on a number of assumptions. Let's look at a few common ones. *Assumption 1: Retirement is a destination*.: All along retirement has been viewed as a destination, as an end-of-the-road milestone. Nothing could be farther from the truth. The road could be long and winding as the journey keeps unfolding. Rather than a destination, it should be viewed as a transition. We should realize that the concept of retirement is undergoing a fundamental change. Seldom do people just stop work and start drawing a pension. Earlier, it was the case of being shoved off the demographic cliff and being forced to leave the company, saying goodbye to the 9-to-5 lifestyle. Today,