Author: Ruchi Gupta

Ruchi holds a first degree in Accountancy and Post Graduate Diploma in Business Administration (First Class) from the International School and Business and Media in India. Proficient in financial databases like ThomsonOne, CapitalIQ, Factiva, and has also worked on Bloomberg and Datastream. She has previously worked as Assistant Manager at Genpact India, providing content in support of credit risk assessment of existing and potential clients of GE. ruchi@moneycheck.com

Buying a house is one of the biggest investments that you will ever make. Whether you are a first-time buyer or are moving up the property ladder, choosing a property and moving homes can be one of the most stressful periods in your life so it’s essential to make a correct and informed decision. Home buying should not be scary and stressful if you formulate a plan and stick to it. Given the intricacies involved in the entire process, it is important to do research and ask the right questions before committing to any purchase. With time, care and research,…

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The exchange of currencies has existed since the beginning of international trade. Individuals and firms alike have continued to find new ways of exchanging different currencies, creating options for the exchange of currencies and hedging against risks associated with adverse currency movements in the future. The evolution of international trade has continued to play a critical role in this ever-growing industry, one which until recently was dominated by banking institutions. Due to their access to individual and corporate finances as well as the trust established between them and their clients, banks have over time been pivotal to the currency exchange…

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Knowing when to sell a stock or any other security is one of the most underappreciated skills in the financial markets. Investors mostly focus on when to buy, as is always the case with most financial advice. Whatever is bought must always be sold, as this is the only way, one would be able to generate profits from the markets. Purchasing a security at the right price is essential. However, the gain only happens when exiting the market at the right price. Selling a stock too soon when it is generating profits is one of the biggest mistakes that most…

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The financial market brings together millions of people around the world to trade a wide array of financial instruments. Being the largest market, there are various securities or instruments that one can trade and take advantage of price movements to squeeze in a substantial amount of profit. Financial instruments are classified into five broad categories:  Indices, Equities, Commodities, Bonds, and Forex. Given the vast array of financial instruments, there are many factors that one ought to consider before trading any of the above. Factors To Consider In Selecting Financial Instruments Liquidity: This refers to the ease of buying and selling…

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The advent of international trade brought with it a number of advantages, key among it was cementing the foundation on which globalization was premised. While other factors such as world peace and stability played a critical role in founding globalization and the laws governing it, international trade was critical in expediting the process. Through it, countries were able to export crucial resources to other countries globally and in turn import much-needed resources from them. Further to this, changes which occurred during the period also led these countries to establishing a currency system. Initially, these currencies were pegged to a specific…

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Forex is arguably the most significant financial market in the world, with a daily turnover of over $5 trillion. Commonly referred to as foreign exchange, Forex is the art of buying or selling one currency in exchange for another. The exchange process, which goes around the world, is what results in the biggest market in the world. The total amount of money traded in the currency market, is more than the entire GDP of some economic powerhouses in the world. Forex is also the most, liquid market in the world. Unlike the equities market, forex market never shuts down during…

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Portfolio diversification is the most basic and effective way of minimizing risks in the financial markets.  Diversification is the art of spreading ones capital by investing in different securities, as a way of ensuring exposure to one type of asset is limited. The practice goes a long way in reducing the volatility of your portfolio over time. A diversified portfolio will always consist of different types of financial instruments touching on various industries or sectors. While diversification does not guarantee protection against risks, it goes a long way in ensuring one achieves financial goals with ease. Read on, as we…

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What is the FTSE 100? Find out in Our Complete Guide The FTSE 100 is a popular and widely quoted and traded market index. The share index acts a gauge of how businesses regulated by company Law in the U.K are performing. The index measures the performance of some of the biggest companies by market cap. Read on for a complete beginner’s guide to what the FTSE 100 index is all about. FTSE 100: Financial Times Stock Exchange 100 Index FTSE 100 goes by the full name “Financial Times Stock Exchange 100 Index” sometimes shortened to FTSE or pronounced “Footsie”.…

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