Citi Treasury and Trade Solutions (TTS), within Citi’s Services organization, has made an investment in Icon Solutions, a leading fintech provider of payments technology and consultancy services. In addition to the investment, Citi plans to expand its use of the Icon Payments Framework (IPF) to enhance its micro-services orchestration architecture. This investment and relationship with Icon Solutions demonstrates Citi’s strategy of working with fintechs to strengthen its technology and payments capabilities.

Citi is working on a multi-year modernization effort of its payments platforms. As part of the program, Citi is working with and has invested in Icon Solutions to expand its innovation toolkit and futureproof its payments services. TTS will be using the IPF as part of its micro-services architecture.

Citi’s new payment platform will prioritize flexibility and accelerate the bank’s ability to respond to the exponential pace of change in payment infrastructure and the regulatory environment, as well as evolving client demands in an increasingly 24/7, real-time, digital-first environment.

Debopama Sen, Head of Payments, Citi Treasury and Trade Solutions, said, “We are on a journey to unlock the full potential of the Citi network and respond to the need for a streamlined and efficient payment processing system. Through this relationship, we are removing platform complexity across our multiple products by following a process of ‘de-platforming’ common business services and creating reusable and extensible services that can be orchestrated using the IPF framework.”

“Our new approach will empower our engineering teams to respond quicker and more efficiently to industry developments, such as ISO 20022, and deliver high-quality innovation and functionality for our clients,” she added.

Benefits of the payment transformation program include:

• True end-to-end ISO native payments that meet evolving industry and regulatory requirements, and deliver richer data to clients
• Futureproof solutions that are scalable and cloud-ready
• API-driven interfaces to enhance and accelerate client access to data

Citi TTS manages a global network that spans more than 95 countries with membership in over 270 clearing systems. Clients can make payments in 145 currencies through an interface that is intuitive and globally consistent. With ongoing investments such as this, it will continue to meet clients’ needs for feature-rich, low-latency, high-throughput, always-on, 24/7 borderless payments.

Nick Nadgauda, Head of Technology, Citi Services, said, “The IPF enables Citi’s engineers to build, deploy and test capabilities rapidly. Coupled with independently deployable and evolvable micro-services, Citi will be able to horizontally scale for growing payments volumes and improve time to market.”

Tom Kelleher, Co-Founder and Director, Icon Solutions, added, “We are proud to be working with Citi on their journey towards a truly efficient, flexible payments platform. By reimagining its payments processing to reflect a rapidly evolving ecosystem and emerging customer requirements, Citi can meet the opportunities and demands of tomorrow. IPF offers a sustainable alternative to traditional infrastructure to support this change, empowering Citi to take control, overcome complexity and simplify payments transformation across the organization.”

Citi TTS helps enable its clients’ success by providing an integrated suite of innovative and tailored cash management and trade finance services to multinational corporations, financial institutions, and public sector organizations across the globe. Based on the foundation of the industry’s largest proprietary network, with banking licenses in over 90 countries and globally integrated technology platforms, TTS continues to lead the way in offering a comprehensive range of digitally enabled treasury, trade, and liquidity management solutions.

Source: Citi

But with so many options available, how do you choose the right one? In this article, we’ll take a closer look at what to consider when seeking out a crypto liquidity provider in 2024.

Crypto Liquidity Providers

Before we delve into the specifics of finding a crypto liquidity provider, let’s first define what exactly they are.

A liquidity provider is an individual or entity that facilitates liquidity in the crypto market. In crypto, these agents can be categorised into two groups:

• companies and institutions that provide liquidity for centralised projects
• users who fund liquidity pools in decentralised finance (DeFi) protocols with their funds

Institutional Liquidity Providers

Institutional liquidity providers play a crucial role in the financial markets, providing spot or derivatives liquidity to facilitate smooth trading. These entities are typically large companies, exchanges, or financial institutions that specialise in connecting buyers and sellers by filling order books and offering favourable trading conditions.

While the term is often associated with the Forex market, it is gaining significance in the world of cryptocurrency trading as well. As crypto exchanges continue to grow in popularity and volume, the need for liquidity providers that can support these markets becomes increasingly important.

One of the main services offered by institutional liquidity providers is prime brokerage. This involves connecting numerous brokers to deep liquidity pools, allowing them to access a wide range of assets and offer competitive trading conditions to their clients.

In addition to supporting traditional centralised exchanges (CEXes), some liquidity providers also assist startups in achieving high turnover rates for specific tokens. This can be especially beneficial for newly launched projects looking to increase liquidity and attract more traders.

Another type of service offered by certain liquidity providers is crypto CFD (contracts for difference) liquidity. Crypto currency CFD allows investors to profit from the price movements of cryptocurrencies without actually owning them. This type of liquidity is preferred by some brokers because it does not involve actual cryptocurrency exchanges.

Here are a few well-known companies that offer spot and derivatives liquidity services:

• NinjaPromo
• GSR Markets
• BitGo
• Galaxy Digital Trading
• Empirica

These providers cater to the needs of a variety of platforms with a variety of services.

These companies often provide CFD crypto liquidity to brokers:

• B2Broker
• Leverate
• GBE Prime

Liquidity in DeFi

Liquidity is a crucial factor in the success of any financial market. In the realm of DeFi, liquidity pools have emerged as a popular solution to address the issue of trading liquidity on decentralised exchanges (DEXes).

At the heart of liquidity pools are AMMs, which are smart contracts that use algorithms to determine asset prices. Unlike traditional exchanges, which rely on order books and human market makers to set prices, AMMs automate this process by using mathematical equations. This enables trades to be executed without the need for a counterparty, making them more efficient and cost-effective.

The success of liquidity pools heavily depends on liquidity providers – users who contribute their assets to the pool. LPs deposit two tokens of equal value into the pool, creating a market for those tokens. In return, they receive LP tokens proportional to the amount of liquidity they provide. These tokens represent their stake in the pool and can be redeemed for their share of the pool’s assets.

One of the key benefits of liquidity pools is that they eliminate the need for a centralised entity, such as a market maker, to provide liquidity. This decentralised approach not only allows anyone to become an LP but also enhances market efficiency by eliminating potential bottlenecks and increasing trading volume.

Popular platforms that offer liquidity pool services include:

• Balancer
• Uniswap
• Curve Finance

Ensuring Adequate Liquidity on Your Crypto Exchange

If you own a crypto exchange, providing sufficient liquidity is essential for attracting traders and maintaining a vibrant trading environment. So, what are the most common ways to ensure good liquidity on the platform?

Partnering with Liquidity Providers Firms

One way to ensure consistent liquidity on your exchange is by partnering with institutional liquidity providers, whether you want to offer spot or crypto CFD trading. By collaborating with these providers, you can improve the overall trading experience on your exchange and attract more traders.

Acting as an Interexchange Market Maker

As an exchange operator, you can also act as a liquidity provider by setting bid and ask prices for assets listed on your platform. This approach eliminates the need for third-party providers and allows you to control the liquidity of your exchange. By acting as an interexchange market maker, you can ensure competitive pricing and improve liquidity on your platform.

Integrating with DeFi Liquidity Pools

Another way to enhance liquidity on your exchange is by integrating with DeFi liquidity pools. LPs who participate in popular DeFi platforms can provide liquidity for your exchange.

Choosing a Reliable Crypto Liquidity Provider

When selecting a spot or CFD trading crypto liquidity provider, it is crucial to carefully consider your options, as it can greatly impact the success of your cryptocurrency trading activities. There are numerous factors you should take into account when conducting research on potential providers:

• Reputation and track record in the industry
• Security measures and protocols in place to protect user funds
• Trading volume and liquidity available for desired cryptocurrencies
• Efficiency and speed of order execution
• Adherence to regulatory guidelines and compliance standards
• Technological capabilities and stability of their platform
• A variety of instruments offered for trading
• Quality of price feeds used for market data
• Availability and quality of client service and technical support
• Associated fees for transactions, deposits, withdrawals, and other services offered.

Bottom Line

In conclusion, liquidity plays a crucial role in the success of any cryptocurrency exchange or project. It not only ensures efficient trading and price stability but also instils market confidence.

Remember, it is essential to carefully review and negotiate contracts with providers to protect your interests before signing any agreement. All in all, liquidity is a key factor that can make or break your spot or crypto CFD trading platform in this ever-evolving industry.

Navigating India’s financial markets can be complex, yet essential if individuals hope to protect against inflation and capitalize on Investment opportunities in 2024. This comprehensive guide details India’s top ten investment avenues ranked according to associated risks and potential returns – from government-backed schemes such as the Public Provident Fund and Post Office Monthly Income Scheme, equity markets, sovereign gold bonds and even the National Pension Scheme.

Explore the intricate workings of corporate bonds, gold exchange-traded funds and unit-linked insurance plans; each providing its own blend of security and returns. As this article progresses, its coverage expands to highlight government bonds enabling individual investors to directly participate in sovereign markets; finally bringing us full circle to Initial Public Offerings (IPOs), which allow individuals to become early shareholders of companies poised for growth.

Engage in this engaging adventure to explore the subtleties of each investment avenue, taking into account tax implications, maturity periods and return structures. No matter your risk level – from cautious investors seeking secure options to those eagerly exploring IPOs – this guide equips you with all the knowledge required to make smart financial decisions aligned with your goals. Each section offers comprehensive overviews to give an in-depth perspective of the investment landscape so you can tailor your portfolio according to your preferences and goals.

Here is a ranked list of India’s 10 investment options considering associated risks:

1) Public Provident Fund (PPF)
2) Post Office Monthly Income Scheme
3) Government Bonds
4) National Pension Scheme (NPS)
5) Sovereign Gold Bonds (SGBs)
6) Equity Mutual Funds
7) Unit-linked Insurance Plans (ULIPs)
8) Gold Exchange-Traded Funds (ETFs)
9) Corporate Bonds
10) Initial Public Offerings (IPO)

1. Public Provident Fund (PPF): A Secure Investment Option

The Public Provident Fund (PPF) stands out as a government-backed fixed-income scheme, offering a virtually risk-free investment with guaranteed returns. Here are the key features:

Availability:

Accessible at nearly all Indian banks and post offices.
Limit of one account per individual.
No age restrictions for opening an account; a minor’s account is managed by their guardian until the age of 18.

Investment Amount:

Minimum annual investment: INR 500.
Maximum annual investment: INR 1.5 lakh.
Flexibility to deposit between one to 12 times in a financial year.

Return on Investment:

Current interest rate: 7.10% per annum.
PPF interest rates are subject to floating adjustments, changing quarterly by a range of 0.25% to 0.75%.

Maturity:

PPF matures over a 15-year period.
Partial withdrawals are permitted after completing five years from the account opening.

Taxation:

Investment in PPF is entirely tax-free.
Interest earned on the investment is also exempt from taxation.
The PPF not only provides a reliable avenue for wealth accumulation but also ensures favourable tax treatment, making it an attractive choice for risk-conscious investors.

2. Post Office Monthly Income Scheme: An Income-Generating Investment

The Post Office Monthly Income Scheme is a popular choice among domestic households, particularly appealing to housewives and individuals seeking to invest their passive income for returns. Here are the key features:

Availability:

Offered by the Indian postal service, accommodating various account types:
Single account
Joint account (up to three adults)
Guardian or parent account for a minor or a person of unsound mind
Account under the name of a minor above 10 years of age

Investment:

Minimum investment: INR 1,000 to open an account.
Maximum balance allowed:
Up to INR 4.50 lakh for single accounts.
Up to INR 9 lakh for joint accounts.

Maturity:

The account can be closed after five years from the date of opening.
Premature closure within the first year is not permitted.
Deductions apply for closures between one and three years (2%) and between three and five years (1%).
Nominees can file a claim in case of the depositor’s demise before the maturity period.

Return on Investment:

Offers an attractive interest rate of 6.60% per annum, payable monthly.
Interest can be credited automatically into the depositor’s savings account or through electronic clearance services.

Taxation:

Interest earned on the deposit is subject to taxation.

The Post Office Monthly Income Scheme provides a reliable avenue for generating regular income, catering to the preferences of a diverse range of investors. While taxation applies to the interest earned, the scheme’s structured payout and flexibility make it a sought-after investment option.

3. Government Bonds: Empowering Individual Investors in Sovereign Markets

The Indian government has ushered in a new era by allowing direct purchase of bonds for individual investors, expanding access beyond gilt mutual funds and fostering greater domestic involvement in the sovereign bond market. Here’s an overview:

Availability:

Government bond offerings are announced in advance of auction dates, encompassing both state governments and the central government.
State-issued bonds are termed State Development Loans, while central government-issued bonds are referred to as G-Secs or government bonds.
To purchase government bonds, individuals must have a bank account and the option to hold them in a demat account.

Investment Amount:

Bond prices are disclosed at the time of government announcements.
Convenient avenues for investment include the e-Kuber App, endorsed by the Reserve Bank of India, commercial banks, primary dealers, and stock exchanges such as NCB-GSec (Bombay Stock Exchange) and NSE goBID (National Stock Exchange).
Securities accounts are required for participation through commercial banks or primary dealers.
Government securities mutual funds are an alternative investment option, focusing on government bonds.

Return on Investment:

Government bonds commonly feature fixed interest rates throughout their tenures.
The coupon rate, determined at the bond’s purchase, yields half-yearly interest during the specified holding period.
Capital gains or losses may arise upon bond sale or maturity.
Income from reinvestment of interest payments, i.e., interest-on-interest, is also a component.

Maturity:

The maturity period varies, typically extending to a year or more based on the specific bond offering.

Taxation:

Taxation is based on an individual’s income bracket, applied to the interest income generated from these bonds.
Any appreciation in bond value is considered capital gains and taxed accordingly.
Government bonds, with their fixed-rate structure and various avenues for investment, present an attractive opportunity for individual investors to participate in sovereign markets while navigating the nuances of taxation and returns.

4. National Pension Scheme (NPS): A Strategic Retirement Planning Tool

The National Pension Scheme (NPS) is designed for individuals aiming to secure a robust retirement fund through investments in a government-monitored pension fund. This fund diversifies across stock market portfolios, encompassing government bonds, corporate debentures, and shares. The accumulated pension wealth is utilized to procure a life annuity, with a portion available for withdrawal at the scheme’s conclusion. Two types of NPS accounts are available: Tier I NPS Account and Tier II NPS Account.

Features of Tier I NPS Account:

Availability:

Open to Indian citizens aged 18 to 65.
Account creation can be done at authorized banks, their branches (Points of Presence or POP), or through the eNPS web portal.
Upon request, a 12-digit number is provided, establishing a permanent retirement account.

Investment Amount:

Account initiation requires a deposit of INR 500.
To maintain account activity, an annual deposit of at least INR 1,000 is necessary.
No upper limit on annual investment.

Return on Investment:

Returns are computed based on the net asset value declared by pension funds, contingent on the investment’s performance over the years.

Maturity:

Withdrawal of up to 60% of the total balance is permitted at age 60.
The remaining 40% must be utilized to purchase a pension plan of choice.

Taxation:

INR 2 lakh per annum investment is exempted from tax under Section 80 C and Section 80CCD.
Returns earned on NPS Tier I accounts enjoy tax exemption.

Tier II NPS Account:

Availability:

A voluntary account accessible only to those with an existing NPS Tier I account.
Account creation is possible offline at authorized banks or their POP, and online through the eNPS portal.

Investment Amount:

Minimum investment of INR 1,000 at account opening.
No annual contribution requirement, and no maximum limit on annual investments.
Flexible allocation across government bonds, corporate bonds, equities, and alternative assets without a lock-in period.

Return on Investment:

Returns are not predetermined and depend on the net asset value declared by pension funds during each investment cycle.

Maturity:

At age 60, a maximum of 60% of the total corpus can be withdrawn.
The remaining 40% is earmarked for acquiring a pension plan of choice.

Taxation:

No tax benefits and income is taxed based on individual tax slabs.
Tax benefits for government employees keeping their investment locked for three years.

5. Sovereign Gold Bonds (SGBs): Investing in Gold with Government Backing

Sovereign Gold Bonds (SGBs) represent government securities issued by the Reserve Bank of India (RBI), denominated in gram(s) of gold and issued in multiples of grams, with a minimum investment requirement of 1 gram.

Features of Sovereign Gold Bonds:

Availability:

Open for auction on dates specified by the central government, with multiple issuances throughout the year.
Purchase of SGBs requires a PAN Card.
Available for acquisition through banks, post offices, and both online and offline stock brokerage companies.
Investment Amount:

Bonds are issued in units equivalent to one gram of pure gold, valued based on the average closing price of gold over the preceding three business days.
Individuals can purchase a maximum of 4 kgs of SGBs, while trusts can acquire up to 20 kgs.
Online purchases currently receive a discount of INR 50 on each gram.

Return on InvestmentReturn on Investment:

Offers a fixed return of 2.5%, distributed semi-annually.

Maturity:

Eight-year maturity period with an option for early redemption after five years.

Taxation:

Interest payments are subject to taxation based on the investor’s applicable tax slab.
Gains realized at maturity are exempt from tax, providing a tax-efficient investment avenue.

6. Equity Mutual Funds: Investing in Stocks for Returns

Equity mutual funds serve as investment vehicles pooling money from investors to be invested in stocks with the aim of generating returns.

Features of Equity Mutual Funds:

Availability:

Easily accessible through SEBI-authorised individuals, agencies, and both online and offline stock brokerage companies.

Investment Amount:

Typically, a minimum investment of INR 1,000 is required, with no maximum limit.
A demat account and trading account are prerequisites for investing in equity mutual funds.
Eight types of equity mutual funds are available, including growth funds that can be accessed without a demat account.

Maturity:

Investors can redeem their investments freely in open-ended equity mutual fund schemes.
Equity-linked savings schemes have a mandatory lock-in period of three years from the investment date.

Return on Investment:

Known for potentially delivering high returns; some funds have shown a 5-year annualized return of up to 35% and a remarkable 117% during the historic highs of 2021.
Returns are influenced by market fluctuations and the overall economic scenario.

Taxation:

Short-term capital gains are taxed at 15%, plus a 4% cess.
Long-term capital gains below INR 1 lakh in a financial year are entirely tax-free.
If long-term gains exceed INR 1 lakh, a 10% tax, plus a 4% cess, is applicable.

7. Unit-linked Insurance Plans (ULIPs): Integrating Insurance and Investment

ULIPs offer a unique blend of insurance and investment, allowing policyholders to purchase a plan where the premium covers insurance and the surplus is invested in a mix of equity and debt funds.

Key Aspects of ULIPs:

Availability:

Obtainable from any bank or insurance company operating in India.
Proof of income is typically required due to the long-term nature of ULIPs.

Investment Amount:

Minimum investment varies among financial entities but generally starts around INR 1,500 as a monthly premium.
Qualifies for Section 80C tax exemption, allowing up to INR 1.5 lakh annual investment for tax benefits.
Maximum investment depends on one’s capacity to pay annually throughout the policy tenure.
Additional charges, such as premium allocation, fund management, and others, apply beyond the annual premium.

Maturity:

ULIPs have a mandatory lock-in period of five years.
After this period, policyholders can withdraw funds without penalties or choose to continue based on policy terms.
Premium payments can be halted after three years, but fund withdrawal is only permissible after the five-year maturity. ULIPs are generally considered long-term investments, with an average tenure of up to 10 years.
Partial withdrawals before maturity may lead to a reduction in potential returns.

Return on Investment:

The annual rate of return is calculated using ULIP NAV, considering assets, investments, liabilities, and outstanding units.
Compounding is applied to determine the rate of return at maturity. Consulting your financial service provider is advisable for accuracy.

Taxation:

ULIPs fall under the EEE category of Section 10D, enjoying tax exemption on investment, proceeds, and fund withdrawal after the five-year lock-in period.

8. Gold Exchange-Traded Funds (ETFs): Streamlining Gold Investment

Gold ETFs provide a convenient means of investing in gold without the intricacies associated with physical gold ownership. Investors utilize a demat account to hold gold units in a dematerialized form, akin to managing mutual fund units.

Key Aspects of Gold ETFs:

Availability:

Purchase gold units through a demat account, similar to buying shares from SEBI-registered stock brokerage companies and agencies.
Investors without a demat account can explore gold funds offered by certain banks or various gold ETF funds.

Investment Amount:

The recommended minimum investment is one unit, equivalent to a gram of pure gold, stored with depositories as the underlying asset determining ETF unit value.
Some gold funds allow initial investments as low as INR 500.
No restriction on the number of gold ETF units an investor can purchase.

Maturity:

ETF value fluctuates with changes in gold prices, enabling investors to exit at their discretion without any lock-in period.

Return on Investment:

Similar to equity mutual funds, gold ETFs are traded on stock exchanges, with returns tied to the performance of gold ETFs in the market.

Taxation:

Selling gold ETFs within 36 months of acquisition incurs taxation based on the individual’s tax slab.
After 36 months, a long-term capital gains tax of 20% plus 4% cess is applicable.

9. Corporate Bonds: A Secure Investment Avenue

Corporate bonds, esteemed for their low-risk nature, represent debt securities issued by companies to secure capital. These bonds offer investors a combination of regular interest payments and the assurance of principal repayment upon maturity.

Key Features of Corporate Bonds:

Availability:

Typically accessible through financial institutions, encompassing banks and brokerage firms.
Procurement is feasible on the open market via diverse trading platforms.

Investment Amount:

Investors can commence with varied minimum investment amounts, contingent on the issuing company and bond type.
Minimum investment prerequisites may apply to certain corporate bonds, while others cater to individual investors more flexibly.

Return on Investment:

The predominant source of returns arises from periodic interest payments, commonly referred to as coupon payments, often disbursed semi-annually.
Upon maturity, investors receive the face value of the bond, representing the principal amount.

Maturity:

Corporate bonds exhibit diverse maturity dates, empowering investors to align their choices with specific investment goals and timeframes.

Taxation:

The tax treatment of corporate bonds is contingent upon variables such as bond type, issuer, and the investor’s tax status.
Generally, interest income from corporate bonds is subject to taxation, although specific tax regulations may vary. Seeking advice from a tax professional is recommended for nuanced insights into tax implications.

10. Initial Public Offerings (IPOs): A Gateway to Public Ownership

Initial Public Offerings (IPOs) signify the pivotal moment when a private company transitions to a public entity by offering its shares to the broader public. This financial milestone attracts considerable attention from investors, presenting an opportunity to partake in a company’s early stages on the stock market.

Key Aspects of IPOs:

Availability:

Accessible to retail investors through brokerage firms and online trading platforms.
Investors can subscribe to IPOs by opening a Demat and trading account, with announcements typically made well in advance.

Investment Amount:

Varied investment amounts are required for participation, contingent on the company and its pricing.
Accessibility is enhanced, with investors able to subscribe to IPOs with relatively modest amounts, making it inclusive. Larger investments may enhance allotment prospects.

Maturity:

IPO investments commonly lack a lock-in period, allowing investors to sell shares upon listing for liquidity and flexibility.
Risks include potential market volatility in the initial post-listing period and uncertainties regarding the company’s future performance.

Return:

Substantial returns may materialize, particularly if the company undergoes significant post-IPO growth.
Potential gains include capital appreciation and, in some cases, dividends. Thorough research is crucial due to the inherent volatility.

Taxation:

Tax implications hinge on factors like the holding period and prevailing tax laws.
Professional advice is recommended for a comprehensive understanding of the tax treatment associated with IPO investments.

How do you choose the right investments for your financial goals and preferences?

Choosing the best investment options for your individual needs involves a personalized and systematic approach.

Here’s a step-by-step guide to help you make well-informed investment decisions:

1. Set Clear Financial Goals

Identify specific financial objectives such as saving for retirement, a home, education, or wealth growth.
Clearly define timeframes for each goal to guide your investment strategy.

2. Assess Your Risk Tolerance

Understand your comfort level with risk and determine your investment horizon.
Different investments carry varying levels of risk, so align your choices with your risk tolerance.

3. Diversify Your Portfolio

Spread risk by allocating investments across different asset classes like stocks, bonds, real estate, and cash equivalents. Avoid concentrating all your funds on a single investment for better risk management.

4. Understand Investment Options

Familiarize yourself with various investment options, understanding how they work, potential returns, and associated risks. Conduct thorough research, read relevant materials, and seek advice from financial professionals.

5. Consider Tax Implications

Evaluate the tax implications of your investments as different options may have varying tax treatments.
Be aware of how earnings will be taxed and plan accordingly to optimize tax efficiency.

6. Keep Liquidity in Mind

Ensure you maintain enough liquidity to cover unexpected expenses and emergencies.
Be aware that some investments may be less liquid, so prepare for potential short-term cash needs.

7. Evaluate Costs and Fees

Consider the costs associated with your investments, including expense ratios, management fees, and transaction costs. High fees can impact returns over time, so choose investments with a cost-effective structure.

8. Review Your Investment Periodically

Regularly review your investment portfolio based on changing circumstances, goals, and market conditions.
Rebalance your portfolio as needed to maintain your target asset allocation.

9. Consult a Financial Advisor

If uncertain or in need of expert guidance, consider consulting a qualified financial advisor.
Professionals can offer personalized advice based on your unique financial situation and goals.

10. Start Small and Scale Up

If new to investing, begin with a small amount and gradually increase investments as confidence and experience grow.

11. Stay Informed

Stay updated on economic and market trends as knowledge is crucial for informed decision-making.

12. Stay Disciplined

Avoid emotional decision-making, sticking to your investment plan even during market volatility.
Emotional reactions can lead to poor investment choices, so maintain discipline in your approach.

As we close our guide on Top Investment Opportunities in India for 2024, the landscape is both promising and varied. From the solid base of government-backed schemes to the ever-changing world of equity markets as well as IPOs, The array of investment options caters to an array of risk-taking preferences as well as financial goals.

In this ever-changing economic environment, If you’re seeking secure options to safeguard against inflation, or hoping to reap the potential growth provided by IPOs The information provided here will allow you to make informed choices.

Overview of Top Investment Opportunities in India

Disclaimer: The information provided above is based on the financial landscape and investment opportunities available in India for the 2023-24 financial year. Market conditions, interest rates, and other factors may change, impacting the performance of investment options. Readers are advised to verify the latest details and consider consulting with financial professionals before making investment decisions.

Understanding the Diversity of Investment Apps

The first step in selecting the right investment app is understanding the diversity available in the market. From apps designed for beginners to those catering to seasoned investors, each offers different features and functionalities. Some focus on stock trading, others on mutual funds, ETFs, or even cryptocurrencies. Additionally, there are robo-advisors for those who prefer automated, algorithm-driven investing. Recognising the type of investor you are and what you want to achieve is pivotal in choosing an app that suits your needs.

Alignment with Investment Goals

Your investment goals are the driving force behind your financial decisions. Whether you’re aiming for short-term gains or long-term wealth accumulation, the app you choose should align with these objectives. For long-term investors, apps that offer a broad range of investment options and educational resources might be more appealing. Conversely, if you’re a day trader, an app with real-time data, advanced charting tools, and speedy execution would be more beneficial.

Ease of Use and Accessibility

The usability of an app is a key consideration. A user-friendly interface is particularly important for those new to investing, making the process less daunting and more accessible. The app should provide an easy-to-navigate platform, clear instructions, and helpful customer support. For more experienced investors, apps offering more sophisticated tools and analytics might be more appropriate.

Risk Management and Diversification

Understanding the risk associated with various investment options is fundamental. A suitable investment app not only helps you assess this risk but also provides tools for diversification to manage it effectively. Look for apps that offer a variety of investment options and the ability to spread your investments across different asset classes. This diversification can be key to managing risk and achieving a balanced portfolio.

Costs and Fees

The costs associated with using an investment app can significantly impact your returns. It’s vital to consider the fee structure of any app you’re considering. Some apps charge per transaction, others may have monthly or annual fees, and some may even offer fee-free investing. Understanding these costs and how they align with your investment strategy and frequency of transactions is essential.

Security and Regulation

Security should never be overlooked when it comes to financial investments. Ensure that any app you consider employs robust security measures to protect your personal and financial information. Additionally, it’s important to verify that the app is regulated by appropriate financial authorities, like the Financial Conduct Authority (FCA) in the UK. This regulation provides a level of assurance and protection for your investments.

In the next section, we will explore how different types of investors can benefit from specific features of investment apps. Whether you’re a beginner looking to start your investment journey, or an experienced investor seeking advanced tools and analytics, understanding the right fit for your individual needs is key to maximising your investment potential. Remember, in the diverse world of investment apps, one size does not fit all – it’s about finding the app that perfectly tailors to your unique investment goals and strategies. Continuing our exploration into the intricacies of choosing the right investment app, it becomes clear that the suitability of an app is intricately linked to the individual’s investment style and objectives. In this segment, we delve into how various investor types can leverage specific features of investment apps, and we take a glance at some of the best UK investment apps in the market, which stand out for their unique offerings and user-centric designs.

For the Beginner Investor

If you’re new to the world of investing, an app that simplifies the process and offers educational resources can be invaluable. Look for apps that provide easy-to-understand guidance, tutorials, and accessible customer support. These features can make the daunting task of starting your investment journey much more manageable. Beginner-friendly apps often have features like automated investing or curated portfolios, which can help you get started without the need for in-depth market knowledge. Among the best UK investment apps, several cater specifically to beginners, offering these user-friendly features and educational resources.

For the Active Trader

Active traders require apps that provide real-time market data, advanced charting tools, and the capability for rapid execution of trades. Apps catering to this segment often include comprehensive analytical tools, customizable indicators, and various order types to cater to complex trading strategies. Some of the best UK investment apps for active traders excel in these areas, providing a robust platform for those who trade frequently and require detailed market analysis.

For the Long-Term Investor

Investors focused on long-term growth need apps that offer a wide range of investment options and tools for portfolio diversification. Apps that provide access to international markets, different asset classes, and comprehensive portfolio analysis tools are ideal for this group. Among the best UK investment apps, some excel in offering extensive investment options and portfolio management tools, making them ideal for long-term investors seeking to build and manage a diversified portfolio.

Integration with Personal Finance

An often-overlooked aspect of investment apps is their ability to integrate with your overall financial picture. Some apps offer features like linking to your bank account, tracking your overall net worth, or providing insights into your spending patterns. This holistic approach can be particularly useful for individuals looking to align their investments with their broader financial goals. The best UK investment apps include options that provide this integrated financial view, helping users make more informed investment decisions in the context of their overall financial health.

Socially Responsible Investing

For investors keen on aligning their investments with their ethical values, there are apps that focus on socially responsible investing (SRI). These apps offer portfolios that include companies with strong environmental, social, and governance (ESG) practices. The best UK investment apps in this category allow investors to contribute positively to society while also pursuing their financial goals.

Conclusion

In summary, the right investment app for you hinges on your individual investment goals, level of expertise, and the type of investor you are. From beginners to active traders, and from long-term investors to those focused on socially responsible investing, there is an app tailored to each need. Exploring the best UK investment apps provides a starting point in your search for the perfect platform. Remember, in the world of investing, the tools you use can significantly influence your success. By selecting an app that aligns with your personal investment needs and goals, you’re setting yourself up for a more informed, efficient, and rewarding investment experience.

Here in this article, we will go through some of the top perks that you will enjoy while working in this industry. So, without any further ado, let us dive into the details.

Benefits Of Working In The Oil And Gas Industry

Here are the top benefits that you will enjoy while creating a career path in the oil and gas industry.

1. Myriad Of Diverse Jobs

One of the major benefits of working in the oil and gas industry is the wide array of jobs that are present in it. The diverse nature of oil and gas jobs allows the candidates to learn any skills and start generating revenue for their families. From ground roles like welding, and transport, to project management jobs, you can opt for any role and learn the necessary skills for it.

2. Higher Financial Prosperity

The financial aspect is one of the top concerns for a huge chunk of candidates looking to opt for an industry. The oil and gas industry offers wages higher than the average wage rate among the other industries in the world.  The reason behind higher wages is the requirement of proper educational background, skill shortage, technical necessity for specific roles, etc.

So, as you progress your career in different roles, you will reap lucrative rewards alongside your journey in this industry. Some technical positions like field engineer, pipeline operator, chemical engineer, etc stay high in demand and offer rewarding salaries to deserving candidates.

3. Opportunity To Travel The World

If you like to travel the world, then the oil and gas industry is a boon for you. The industry offers a golden opportunity to the candidates to explore a variety of locations around the world while working in different cities and states. 

 For example, if you are working as a drilling engineer or appointed to any other field role, then you have to travel to different sites for your company to complete the responsibilities of your role. Moreover, companies around the world always seek professionals with the right skillset, so try to hone your skills and grab a role in any one of the top companies in the industry to work and travel side by side.

4. Better Growth Opportunities

The oil and gas industry presents promising growth opportunities driven by technological advancements, increased global energy demand, and evolving market dynamics. Innovations in exploration and extraction techniques, such as enhanced oil recovery and digitalization, enhance operational efficiency and resource recovery. As renewable energy transitions require transitional fuels, the oil and gas sector plays an integral role in meeting the rising energy needs. 

Emerging markets, geopolitical shifts, and strategic investments in sustainable practices further contribute to the industry’s growth. Despite challenges, the adaptability and resilience of the oil and gas sector position it for better growth opportunities in a rapidly changing energy landscape.

Final Verdict

Here are some of the benefits that you can enjoy while grabbing a role in this diverse industry. Whether you are working in a managerial role or a field worker, you can enjoy the rewards of the industry and grow your career to the next level. However the energy landscape is evolving, so you should consider the industry’s current conditions and potential for future growth and even focus on the broader trends in the energy sector before diving into the oil and gas industry.

Nomi Prins, a renowned financial journalist and former Wall Street insider, brings a unique perspective to the financial world. With a background that includes positions at top-tier banks, Prins has garnered respect for her insightful analysis of global economic trends. Her financial insights are particularly significant due to their historical accuracy and foresight. This article aims to delve into Prins’ key recommendations and explore their relevance in the current economic landscape. As financial markets evolve, the purpose of this piece is to prompt readers to reevaluate their strategies, considering Prins’ wisdom as a potential guide for navigating the complexities of today’s financial environment.

Nomi Prins’ Key Financial Wisdom

Nomi Prins boasts a distinguished background, having held pivotal roles at Goldman Sachs and Lehman Brothers, providing her with an insider’s understanding of the financial world. Her expertise extends to being a best-selling author and a sought-after speaker on global economic issues. Prins’ notable financial recommendations often emphasize risk management, geopolitical factors, and the interconnectedness of markets. This article aims to provide an overview of these recommendations, exploring their impact on financial strategies. Additionally, we’ll analyze Prins’ influence on financial markets, examining how her insights have shaped perspectives and decisions in the dynamic landscape of global finance.

Evaluating Current Financial Landscape

A comprehensive Nomi Prins review is crucial against the backdrop of a multifaceted economic landscape. Global financial decisions are significantly influenced by factors such as economic uncertainties, geopolitical tensions, and the lingering impacts of the pandemic. The ebb and flow of interest rates, inflation, and trade dynamics further underscore the need for a nuanced understanding in effective financial planning. Beyond these traditional considerations, the surge in sustainable investing, the rapid evolution of financial technology, and the ongoing development of regulatory frameworks contribute to the dynamic trends shaping the global financial market. This article immerses itself in the intricate details of the current economic situation, shedding light on pivotal factors that call for a reassessment of financial strategies within the ever-changing and interconnected global financial environment.

Exploring Alternatives and Adjustments

Nomi Prins’ insights advocate for diversification strategies that transcend traditional investment approaches. This involves considering a mix of assets, including equities, bonds, and alternative investments, to mitigate risk. Prins emphasizes the importance of adapting portfolios to changing market dynamics and incorporating alternative assets like commodities or real estate. Her recommendations in portfolio management revolve around balancing exposure to different sectors and geographical regions. Striking a harmonious blend between traditional and alternative investments, according to Prins, offers a resilient and adaptive approach that can navigate the uncertainties inherent in today’s complex financial landscape. Investors should consider these insights for a well-rounded and robust investment strategy.

The Future of Financial Strategies: Adapting to Changing Dynamics

Anticipated trends in finance and investments align with Nomi Prins’ forward-looking approach, foreseeing an increased integration of technological advancements in financial planning. The rise of fintech, blockchain, and AI is expected to reshape traditional practices. Prins suggests adapting to these changes for more efficient portfolio management and decision-making. Furthermore, the long-term implications of following Prins’ advice involve staying attuned to evolving technologies, which can enhance investment strategies. Embracing innovation is integral to remaining competitive in the financial landscape. Investors heeding Prins’ insights are poised to navigate future trends and harness the benefits of cutting-edge advancements in financial planning.

Commonly Asked Questions About Nomi Prins’ Strategies

How Does Nomi Prins Approach Risk Management?

Nomi Prins employs a meticulous approach to risk management, emphasizing a comprehensive understanding of global economic dynamics. Her strategy involves navigating uncertainties by considering geopolitical factors, market interconnections, and historical trends. Prins’ risk management approach is informed by her extensive experience in both the financial industry and as a perceptive observer of economic trends.

What Are the Core Principles of Prins’ Investment Strategies?

Nomi Prins’ investment strategies are anchored in core principles such as risk mitigation, thorough research, and a keen awareness of macroeconomic trends. Her approach involves analyzing global economic factors, staying attuned to geopolitical shifts, and prioritizing diversified portfolios. Prins’ investment philosophy is marked by a commitment to informed decision-making and long-term financial stability.

How Have Prins’ Previous Predictions Fared?

Nomi Prins’ past predictions have demonstrated a notable track record of accuracy and foresight. Her insights on economic trends, market fluctuations, and geopolitical events have proven prescient. Prins’ ability to navigate the complexities of global finance has contributed to the credibility of her forecasts, fostering trust among investors and analysts alike.

Conclusion

In a comprehensive overview of Nomi Prins’ key financial wisdom, her insights underscore the importance of strategic risk management, diversified portfolios, and a keen awareness of global economic trends. This article serves as a call to action, encouraging readers to actively reevaluate their financial strategies. By incorporating Prins’ principles, such as adapting to market shifts and considering alternative investments, readers can enhance the resilience and adaptability of their financial portfolios. In conclusion, the enduring relevance of Prins’ insights in today’s complex financial landscape lies in their ability to guide investors toward a proactive and informed approach, ensuring they navigate uncertainties and capitalize on opportunities in an ever-evolving global market.

What influences the Black Friday numbers

FBS analysts highlight three critical indicators for gauging Black Friday’s impact on the US economy: the number of buyers, the average amount spent, and the total spending.

Over the past 18 years, notably successful in terms of total spending were 2012, 2017, 2019, 2020, and 2022, when the collective expenses of American consumers exceeded $60 billion on average.

Regarding the number of buyers, the period after the subprime mortgage crisis, from 2010 to 2014, was the most active, with the number of American Black Friday shoppers consistently surpassing 200 million. As FBS analysts point out, a correlation with the Federal Reserve’s key interest rate is evident – the rate reached a minimum of 0.25% in 2010 and pushed Americans to participate in Black Friday sales. The following consumer peak was spotted after the COVID crisis, as the Fed had eased the key again, leading to Black Friday numbers soaring to 190 and 186 million in 2019 and 2020, respectively. This was a result of the increased liquidity in the system.

Notably, 2022 deviated from the previously established trend. Despite the 4% key rate, around 197.6 million Americans did their Black Friday shopping and collectively spent over $64 billion. FBS financial market analysts attribute this phenomenon to substantial market liquidity and increased consumer opportunities.

How financial markets react to Black Friday

To understand how financial markets reacted to Black Friday, FBS examined the movement of the S&P 500 index and a separate S&P consumer sector index from 2005 to 2022. Surprisingly, the market reacted more to sales reports than Black Friday, with a predominantly adverse reaction (66% of cases) observed in the S&P 500 index after the report was published.

FBS analysts particularly note that Individual companies, primarily in the consumer sector, exhibit adverse reactions to Black Friday reports. Notable examples include Amazon, Nike, and Home Depot.

Market Expectations

Considering the current macroeconomic situation, FBS analysts anticipate a potential slowdown in sales momentum this Black Friday, which could disappoint the retail sector. However, Black Friday’s influence is not confined to the retail sector but extends its impact to the broader stock market. FBS advises paying attention to the final numbers for the comprehensive global market situation analysis. A decline in consumer spending may signal an economic slowdown.

Disclaimer: This material does not constitute a call to trade, trading advice, or recommendation and is intended for informational purposes only.

About FBS

FBS is a licensed global broker with over 14 years of experience and more than 75 international awards. FBS is steadily developing as one of the market’s most trusted brokers, with its traders numbering more than 27,000,000 and its partners exceeding 500,000 around the globe. The annual trading volume of FBS clients is over $8.9 trillion. FBS is also the Official Partner of Leicester City Football Club.

J.P. Morgan announced the launch of new Hong Kong dollar pair FX Warrants in the Hong Kong market, making it the first issuer in Asia to introduce FX Warrants with CNH/HKD (Chinese Renminbi traded outside Mainland China / Hong Kong dollar) and JPY/HKD (Japanese Yen / Hong Kong dollar) as underlying currencies pairs. The new FX Warrants will begin trading on the Hong Kong Stock Exchange on November 23, 2023.

“The introduction of HKD pair FX Warrants in Hong Kong complements J.P. Morgan’s existing offering of a wide range of equity-linked warrants, providing investors with an alternative investment tool to diversify their portfolio. As FX Warrants are linked to currency movements, they typically have lower implied volatility, resulting in a more cost-effective buying option. Additionally, the FX Warrants also offer investors an efficient way to hedge their currency exposure,” said Yowjie Chien, global head of Warrants and Options Electronic Client Solutions at J.P. Morgan. “The launch of new HKD pair FX Warrants reinforces J.P. Morgan’s commitment as a leading issuer of derivative products in Hong Kong. We are continuously innovating to meet the evolving needs of investors in changing market conditions, and to expand their investment options.”

J.P. Morgan’s new FX Warrants linked to currency pairs with foreign currencies as the base currency and HKD as the quote currency, align with growing investor demand. This convention not only supports investors’ ability to analyze currency movements but also empowers them to capitalize on directional views. These FX Warrants also enable investors with overseas assets to easily manage foreign exchange risk and hedge against currency fluctuations.

J.P. Morgan also plans to issue five additional currency pairs in the coming months.

“FX Warrants as a hedging instrument on currency risk are flexible and they do not require any collateral or margin requirements. The downside risk is limited to the Warrants premium whereas the upside potential can be captured. This makes FX Warrants an attractive and convenient solution for investors looking to mitigate against currency fluctuations and optimize their global asset allocation,” said Cedric Cheung, head of Listed Structured Products Sales for Asia at J.P. Morgan.

For more information, please visit https://jpmhkwarrants.com/en_hk.

Source: J.P. Morgan

Currently, the Bank operates 11 branches in various provinces of the country, and by 2025 it wants to reach the entire country by opening 10 new branches in the provinces, strengthening its presence in the busiest centers and rural areas, focusing on financial inclusion.

According to Marco Abalroado, Managing Director of Access Bank Mozambique, “this expansion policy is in line with the Bank’s growth strategy, offering customers a wide range of innovative, high-quality financial products and services”.

Access Bank is a leader in the African banking sector. It operates a network of more than 750 branches and agents, serving 49 million customers in Nigeria, sub-Saharan Africa, and the United Kingdom.

The Bank has been strengthening its presence in Africa, expanding into new geographies such as Cameroon, Botswana, Kenya, Guinea-Conakry, South Africa, and Angola. It has started operations in Paris and will continue with the acquisition of Standard Chartered Bank in Cameroon, Angola, Gambia and Sierra Leone, and Private & Business Banking in Tanzania.

This strategy represents a fundamental step for our global franchise, which is focused on facilitating payments, investments, and trade on the continent and in the rest of the world.

Feedzai will leverage Mastercard’s Ciphertrace crypto intelligence solutions to reduce the risk of account-to-account fraud flowing into crypto exchanges

Feedzai a financial crime and risk management solution, and Mastercard – a global technology company in the payments industry – are combining technologies to increase crypto fraud protection for hundreds of millions of consumers.

An estimated 40% of scam transactions exit directly from a bank account to a crypto exchange. According to Feedzai’s recent report, The State of Global Anti Money Laundering (AML) Compliance Report 2023, the monitoring of cryptocurrency effectively is still one of the biggest challenges for financial institutions.

Addressing the need to implement effective AML solutions, Feedzai and Mastercard will collaborate to integrate Mastercard’s world-leading crypto intelligence solution, Ciphertrace Armada into Feedzai’s unique RiskOps platform. RiskOps analyzes transaction data totaling over $1.7 trillion annually1 and offers a comprehensive suite of AI-based solutions designed to stop fraud and financial crime at the source – allowing banks to be alerted in nanoseconds when a transaction appears fraudulent.

Ciphertrace Armada allows banks, crypto exchanges, wallets, crypto ATMS and other Virtual Asset Service Providers (VASPs) to better assess the fraud risk in digital asset transactions. In pairing these technologies together, Feedzai’s customers, who collectively protect over 900 million consumers2 globally, will now be able to identify and prevent transactions involving fraudulent crypto exchanges before they occur.

The partnership comes just months after Mastercard announced its new solution that helps banks identify scams in account-to-account payments. Using AI, Mastercard Consumer Fraud Risk enables banks to intervene in real time and to stop a payment before funds leave a victim’s account.

The combined intelligence means that financial institutions can stop transactions involving high risk and potentially fraudulent crypto exchanges in real time, alerting the customer to the risk before money leaves their account.

Nuno Sebastião, CEO of Feedzai said: “Mastercard’s commitment to protecting its global customer base from fraud aligns perfectly with Feedzai’s mission. Criminals use crypto as part of their scam strategies, with the scam proceeds often ending up being funneled to an unauthorized or otherwise risky crypto exchange. It also continues to remain a challenge for AML professionals as criminals become ever more sophisticated and money laundering techniques advance.  This global partnership will further empower banks to protect their customers’ against the risks associated with crypto and instill further trust in the ecosystem.”

Ajay Bhalla, president of Cyber and Intelligence at Mastercard said: “This is an exciting step in our journey to secure the digital ecosystem. We’re providing financial institutions with the insights they need to be able to prevent transactions involving fraudulent crypto exchanges. We are delighted that, through this new partnership, we are able to go further, by helping to stop fraud and payments to scams before they take place, giving customers more choice, security and, most importantly, reinforcing trust.”

Source: Mastercard