TCM Financial Services Pvt Ltd

  Unlocking the Magic of Compounding: Your Money’s Best Friend Have you ever wondered how some people seem to grow their wealth effortlessly while others struggle to save even a little? The secret often lies in a magical concept called compounding  — and trust me, it’s more powerful than you might think. What Is Compounding, Anyway? Imagine planting a tiny seed that not only grows into a big tree but also drops seeds of its own, which grow into more trees. That’s exactly how compounding works with your money. Simply put: compounding means earning “ interest on your interest .” You invest some money (your principal), and over time, not only does your principal earn interest, but the interest you earned also starts making money for you. It’s like your money starts working overtime — all by itself. Why Should You Care About Compounding? Because time is your best friend  here. The earlier you start, the longer your money has to grow. Let me share a little...

  How India-Pakistan Tensions Impact the Stock Market: A Historical Analysis Whenever geopolitical tensions rise—especially between India and Pakistan—investors often ask: What happens to the market? Should I stay invested? Should I exit? The emotional response is understandable. War or military conflict brings uncertainty, and markets hate uncertainty. But when we analyze past data, the story might surprise you. Historical Data: Nifty50’s Performance Around India-Pak Events Let’s analyze how the Nifty50 index has reacted to some of the most notable Indo-Pak conflict events over the past few decades: What the Data Tells Us 1. Short-Term Shock, Long-Term Recovery: Most events triggered minor to moderate declines or volatility in the 1-month window. However, in 4 out of 5 cases, the market gave positive returns in the 6- and 12-month periods following the event. 2. Exception – 2001 Parliament Attack: This is the only event after which the Nifty50 remained negative eve...

  ESG Mutual Funds in India: Aligning Investments with Values in 2025 In recent years, there's been a significant shift in investment strategies, with a growing emphasis on sustainability and ethical considerations. ESG (Environmental, Social, and Governance) mutual funds have emerged as a popular choice for investors aiming to align their financial goals with their personal values.​ Performance Snapshot of Top ESG Mutual Funds (as of early 2025) Fund Name 1-Year Return 3-Year Return AUM ( ₹ Cr) Expense Ratio ICICI Prudential ESG Exclusionary Strategy Fund 31.89% 18.55% 1,528.70 1.01% Quant ESG Equity Fund 28.27% 20.99% 312.26 0.79% Axis ESG Integration Strategy Fund 25.91% 10.73% 1,334.37 1.27% SBI ESG Exclusionary Strategy Fund 22.96% 13.36% 5,806...