August 2021


The value of commodities is shifting continuously due to global changes. So, traders need to invest their money consciously. However, if they make the wrong decision, they might face trouble. But, some traders are enjoying the benefits by making the right decision. On the other side, some traders are facing problems because of their confusion. If the traders know how to invest their money properly, they may get better outcomes. For this, they should contemplate some important factors in terms of investing in commodities.

In this post, we will discuss five things so that you can understand what you need to do. So, don’t waste your time. Read the article carefully.

Commodities are volatile

Commodities are known as the most volatile assets. That’s why many traders prefer to trade commodities. Because they know, they can make huge money. But, if they take any wrong decision, they might face a big failure. However, being a trader, if you’re looking for security, then a commodity will not be the right choice for you. Bear in mind, the commodities will not pay any dividends or interest. However, try to apply the right strategy so that you can maximize the profits.

Can invest in a group of commodities

As a commodity trader, you can invest in different types of commodities. There are four types of commodities such as energy, agriculture, metals, livestock, and meats. You can invest in a single commodity or you can also invest in a group of commodities. You just need to choose the right broker and open a demo account. Because it’s really important to choose the right broker so that you can protect your capital. The demo account will aid you to get the proper knowledge about the market so that you can trade profitably. But make sure you are choosing a good broker like Saxo markets or else you will start facing problems in the practice trading account.

Sensitive to a lot of factors

As the price of the commodities fluctuates for various reasons, traders need to become conscious of this issue. Due to the major news releases, the price movement of the assets changes. So, being a trader, you should become up to date with the news. Based on the latest news releases, you’ve to take the decision. Bear in mind, floods, hurricanes, and other natural disasters have a high impact on the value of the commodity. Because of this, the production can be stopped. As a result, demand can be increased. So, you should take the decision based on this issue.

Highly leveraged assets

In terms of trading the commodities, you might get the leverage. So, if you don’t have high capital, you can trade smoothly. But, if you try to use high leverage, you might face problems. That’s why you should take the leverage consciously. Many traders ignore the risk factors and only focus on making profits by borrowing the leverage. Due to this, they face more problems. Traders should learn to use the leverage properly so that they can reduce the losing streak. Keep in mind, you’ve to take the leverage depending on your capital.

Do some paperwork

Before starting trading, you should gain some knowledge. As a result, you might not face problems if the situation changes. But, if you don’t have any prior knowledge, you can’t adapt to the new scenarios. So, before opening the new position, you should gather the important decision about the market so that you can do better. Always remember, you have to know about the different features of the market for trading properly.

So, by knowing about these facts, you may not face any problems to make a proper investment decision. However, always analyze the market properly so that you can make the right decision. Don’t put your egg in the wrong asset. Choose the right one for getting the benefits.

Lastly, it’s imperative to protect yourself from fraud. There are numerous scamsters viewing you as their prey. Check this story about one such case related to Instinctif Partners. Remember, an informed investor is the smartest investor.

A home loan top up is a special facility offered by the financial organisations to the existing home loan borrowers. While some lenders limit the usage of the loan to home-related purposes, there are other financial organisations that do not have such restrictions. You can use the home loan top up facility for various personal and professional expenses like marriage, going on a vacation, debt consolidation, business expansion, etc.

If you don’t have an existing home loan with a specific lender, you can still opt for a top up facility when you avail a balance transfer and get additional funds from the new lender. The interest rate for the top up loans may be slightly higher than the traditional home loan, and it generally starts from 7% per annum. Also, the interest rate for women is usually lower than the interest rate for men.

What are the benefits of applying for a home loan top up?

  •         If you are facing a cash crunch or you need additional funds for buying a bigger home or for home renovation, applying for a home loan top up is a better alternative than personal loan as the interest rates are much lower. Affordable interest rate automatically translates to affordable EMI and the repayment becomes much easier.
  •         You can use the home loan top up amount for a variety of purposes. You can use it for home renovation, home extension, business expansion, etc. Depending on the lender, you can use the amount for personal expenses.
  •         Another significant advantage of applying for a home loan top up is that the approval process is faster, and it requires minimal documentation. This is especially true if you avail of the loan with your existing lender.
  •         Just like home loan, you can avail of tax benefits on home renovation if you use the amount for home construction or renovation.

Tax Benefits on top up home loan

You can claim tax benefit on home loan top up if you use the amount for specific purposes. The maximum deduction you can claim is up to Rs. 30,000 for a self-occupied home. If you are using the amount for renovation, repairs, or extension of the property that you have let out on rent, there is no limit on tax deduction. However, in both the cases, the tax deductions come under the overall limit of Rs. 2 lakhs per year that is available on the interest component of home loan.

If you avail home loan top up for home construction, you can avail tax benefit on both the interest and the principal component subject to the limit prescribed under Section 80C and Section 24(b) of the Indian Income Tax Act.

What are the eligibility criteria for availing home loans top up?

The criteria for home loan top up vary from lender to lender. But mostly lenders have the following requirements:


  •         You must be aged between 21-65 years
  •         You must be a self-employed professional or a salaried employee with a regular income source
  •         You must be a resident Indian

What is the maximum amount you can borrow and what is the maximum repayment term?

The maximum amount you can borrow is generally limited to the original home loan amount sanctioned to you or up to Rs. 50 lakhs, whichever is lower. Also, you can apply for a top up loan only after 12 months after disbursement of the existing home loan.

Most lenders in India allow you to repay the top up loan over a longer period up to 15 years. But it greatly depends on the lender’s assessment of your financial profile, age, etc.

Final Word

Home loan top up is an excellent facility that allows you to get additional funds for your requirements. So, make the best use of it but be aware of its various requirements and implications before you apply for the loan.



ESG investing — that is, investing in companies with strong environmental, social, and governance profiles — is among the most talked-about subjects in company board meetings and among investors.

Explaining What ESG Means

Thousands of investors consider a company’s ethics and environmental impact before investing. In terms of the work environment and the company’s overall goals, social and governance considerations are more important to these investors. When it comes to determining whether or not to invest their hard-earned money in a firm, these factors are equally as significant to some investors as financial aspects. ESG investment entails taking into account a company’s strategies and progress in the following areas:

  • Environmental: Future investors are interested in learning what actions companies are taking to protect the Earth’s resources while continuing to operate in a sustainable manner. What is the company doing to save the environment?
  • Social: Some investors believe it is also vital to understand a company’s relationships with its personnel and vendors. Do they give everyone an equal chance? Are they friendly and approachable to other businesses, consumers, and the community in which they operate? What role does the company play in the community’s growth and success?
  • Governance: ESG investors are also interested in knowing what safeguards a firm takes to monitor its board of directors and management team. What policies and procedures are in place to ensure that the firm is managed appropriately and fairly, and that all employees have equal chances regardless of their demographics?

This is where the infographic comes in handy. Regulatory fines, disgruntled shareholders, public shame, and other potentially damaging, value-obliterating events are less likely in organizations with strong ESG scores. Furthermore, organizations who manage their people in a socially responsible manner have lower employee turnover and a more engaged and productive workforce. These and other characteristics make high-scoring ESG companies ideal long-term investment possibilities. Continue reading to find out more.

Is increasing your wealth one of your objectives? Do you desire to be debt-free and free of any financial worries you may have? Would you like to know that you are not only comfortable today, but that you are also accumulating wealth that will help you and your family survive and prosper in the future?

You can fulfill all of those objectives by accumulating capital. While you may believe that in order to develop wealth, you must inherit money or have a high-paying profession, the truth is that wealth is more closely linked to conduct than to how much money you earn or inherit.

Changing your behavior should begin with a mental shift. To build riches, you must believe in your ability to do so and be willing to take steps to make it a reality. Being cash-flow positive, or taking in more money than you spend, is one of the first steps toward accumulating wealth.

Many people underestimate how much money they spend on non-essential products. It’s quite simple to keep track of the money you earn – for many people, this simply involves keeping track of their paychecks. You are, however, probably unaware of how much money you spend on a regular basis. Keeping track of all of your expenses, either by writing them down or using an app, can be beneficial. If you spend more than you earn, you are in a cash-flow negative situation and should cut back on your expenditures in order to develop wealth.

Your debt-to-income ratio, or how much debt you have, is another factor to consider. The more debt you have, the harder it is to pay it off. It may be impossible to save money in some situations. Not all debt, though, is bad. For example, investing in a college education that will prepare you for a career you enjoy while also allowing you to earn more money may be justified. It may also be useful to take out a mortgage to assist you and your family develop equity in a property.

The idea is to think about debt carefully and look for ways to avoid or reduce it. So, if you want to go on vacation, you’re better off putting money aside for months and saving for it in advance rather than placing the trip on your credit card and paying for it later.

Another part of accumulating wealth is putting money aside on a regular basis. Establishing an emergency fund that you may use now and in the future is a good idea. You should also start saving for retirement as soon as feasible. Saving is automatic and uncomplicated when an amount is debited from your bank account on a regular basis.

Check out the resource below for more wealth-building advice.


Nowadays, it may be scary for crypto investors to follow time-proven techniques before investing. Those people who want to earn more in Crypto market trading can take the risk.

FACT # 1: As per the research, while aiming to gain more profit and money in the short term, you need to be prepared for losing investment and money. Within the time frame, in the volatile market, crypto investors expect to lose their investments.

Another expression for short term Crypto market trading is through on-time aggressive trading.

But why do people prefer to choose this trend?

Since people are facing more challenges in the desire for making more benefit, crypto investors of any sort require a consistent adjusting and compromise among returns and risks.

Cryptocurrency Investment Technique for Instant Hourly Profiting:

If you ever wonder about what an informal investor does to get profit in the field of crypto trading, then you have come to the right place. Trading in a day is one type of transient crypto exchanging. You intend to purchase and sell crypto within 24 hours. You can also take benefits before you hit the hay.

Cryptocurrency Business

Credit: Pexels

In conventional business sectors like the securities exchange, an exchanging day frequently finishes at 4:00 mid-day. Yet, the digital money market runs day in and day out. So you can characterize your day-trading hours to follow up your timetable. With this remarkable force comes incredible obligation. You would prefer not to lose everything and get your companion or trading partner at you.

Here are a couple of possibilities to tackle yourself and decide if crypto market trading is the right crypto source for you:

  • Do you have the opportunity to devote today to crypto trading? However, if you do some full-memory work and can’t stick to your screen the entire day, day crypto trading likely isn’t appropriate for you.
  • Ensure you don’t utilize your organization time for trading. You can get terminated and experience a long-term loss. You likewise will not have the option to commit the necessary time and energy to trade by the same token.
  • Do you have adequate risk capacity today for crypto market trading?
  • Even if you can monetarily stand to possibly lose cash in day crypto trading, would you say you will do as such? Do you have the guts to see your portfolio go all over consistently? If not, maybe day trading isn’t appropriate for you.
  • If you’ve decided that day crypto trading is the right crypto investing way for you, the basic areas share a few hints to remember how to begin earning in this field.

Explore the Three Business Investment Time Frame by Cryptocurrency:

Since digital forms of money are exchanged globally without any issues. One of the popular ways is to trade with the use of crypto money. But how can you get success in this sort of trading? Moreover, we will discuss the top of the three business investing time frames with crypto money that is worth considering.

1.    Initially, Define the Sessions of Crypto Trading:

You can make a trading day to pass by the trading meetings within the monetary capitals of the world like Tokyo, New York and famous America. Also, the technique follows comparative trading frames as in the unfamiliar trade market. You should keep one basic thing in your mind that crypto trading sessions should be based on the time zones of the international trading market.

PRP TIP: Some trading sessions for cryptocurrency define better trading opportunities if you plan the right time. It can bring high volatility and volume in the time frame.

At the point when the crypto trading starts, the conventional finance resources like stocks or forex, you can effectively follow key market-movers. It may include an organization that gives you the income report or a nation’s financing cost choice. The digital money market doesn’t have a built-in session to describe the Crypto market trading schedule. That is the reason directing basic rules to prevent the crypto trading procedure is way harder for crypto exchange.

2.    Secondly, Set an Accurate Time Scale:

While based upon your own timetable, you might need to think about booking a particular time to get the minimum to lose in your trading. Having the option to exchange non stop is really cool in principle. You can simply get on your exchanging application during a restless evening and begin exchanging. However, this adaptability can blow up when you begin losing rest once again.

Staying alert during Crypto market trading or Short term trading is always on the top concern of every trader in the market. It is a vital thing that you need to focus on to follow up on all methodologies. It will help you to recognize the trading time scale so that you can prevent yourself from dealing with all the crypto trading bots challenges.

PRO TIP: If you start with the new trading sessions, then you need to ensure that you’re not utilizing edge or influence to build your trading power. Influence is one of those unbelievably unsafe tools that is projected as a chance. It allows you to deal with a greater record with a little starting speculation by getting the rest from your specialist.

3.    Lastly, You Need to Stay Yourself Away from Scalping:

Scalping is the most limited-term trading procedure that most brokers pick. It fundamentally implies bouncing all through exchanges every now and again, at times very quickly. In case you’re paying commission expenses for each exchange, not exclusively are you presenting yourself to a huge load of market hazard while scalping in football stars crypto.

However, you can likewise get worn out by the charges before you make any benefit. Singular dealers will make any benefit of scalping. Presently, in case you’re ready for an undertaking that approaches markdown commission expenses and many trading accounts, the story might be unique.

Credit: Pexels

As per the Stellar Development Foundation, one approach to improve your security is to not really purchase and sell digital currencies. However, you need to hypothesize the value activity and crypto market developments by utilizing agents who work with such services.

Final Verdict:

While starting to trade crypto on different platforms, you need to focus on several key factors to succeed. The time period falls into the class of position trading conventional business sectors. Still more limited than a drawn-out contributing methodology. However, this kind of crypto exchanging can be viewed as the easiest type of momentary trading.

FACT # 2: An obstruction level is a mental market that can hinder with time. Thus, it keeps the cost from going higher. A support level is the inverse of high prices at which the market experiences issues breaking underneath.