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Angel Funding Is Not a Fairy Tale, Unless You Count Excel Sheets and Existential Dread

  Ah, the startup dream. You’ve got a revolutionary product, a half-decent pitch deck, and enough caffeine in your system to power a small town. But there’s just one teeny , tiny problem: You’re broke. Enter: angel funding and small business investors , aka the people who might just save your entrepreneurial soul before your EMI eats it alive.     But hold up, before you start imagining some billionaire in a white suit handing over crores because your idea sounds vaguely like “Uber for vegetables,” let’s break it down. Real-life angel funding isn’t about vibes. It’s about timing, traction, and the fine art of not messing up your first Zoom pitch.     What Exactly Is Angel Funding? (And No, It’s Not a Donation)   Let’s cut the jargon. Angel funding is when a wealthy individual (usually a former founder, investor, or brave soul with extra cash) invests in your early-stage business in exchange for equity. Think of them as the cool aunt or uncle who...

Factor-Based Mutual Fund Investment in India: The Smart Beta Wave of 2025

  The Indian mutual fund industry is witnessing a paradigm shift in 2025, with a growing segment of informed investors turning to factor-based investing , also known as Smart Beta. This trend is reshaping how people approach mutual fund investment in India , offering an innovative middle ground between active and passive strategies.     What Is Factor-Based Investing?   Factor-based mutual funds are designed to systematically track investment factors, such as value, momentum, low volatility, quality, and size, that drive long-term returns. Unlike traditional index funds that track broad market indices like Nifty 50 or Sensex, Smart Beta funds apply these factors to build rule-based portfolios aimed at outperforming the benchmark with lower risk.     These funds are gaining prominence among investors who want data-driven performance without paying high management fees typically associated with active funds.     Why It’s Gaining Traction in India...