BFC Capital successfully conducted its 296th Quality Circle Program on 26th September 2025 at UP Van Nigam, Lucknow.
The insightful session was led by Mr. Anurag Agarwal, who emphasized the importance of financial literacy, smart investing, and wealth creation. The program inspired participants to make informed financial decisions and take confident steps toward building a secure and prosperous financial future.
I got a WhatsApp message promising 20% monthly returns; how do I know it’s not a scam?
If something sounds too good to be true—especially investments—it is. Even the best mutual funds in India offer around 12-15% annually over long periods, not monthly. SEBI-registered advisors don’t guarantee high returns; therefore, if you come across people promising high returns, requesting cash payments, or pressuring you to recruit others, it’s a sign to step back because they typically bring ponzi schemes to the table.
Should I clear my loans first or start investing at the same time?
It depends on the interest rate. High-interest debt, like credit card debt (30–40% annually), should always be cleared first—no investment reliably beats that cost. But low-interest loans, such as a home loan (8–9%), can run alongside investments, since equity markets have historically returned more over the long term. A balanced approach—paying down high-cost debt while starting small SIPs—is usually the smartest path.
I made a loss in my first investment, now I am scared to begin again. What should I do?
Do you give up on learning to ride a bicycle when you fall, or become extra careful and learn the right strategy the next time you ride it? We presume a lot of you will go with the latter, right? Similarly, the first investment is often a trial, not a statement! The ideal thing to do is to become financially literate, understand the core of investments, your time horizon, risk appetite, types of assets, and then invest according to your financial goals. Moreover, if you need the right guidance on your investments, connect with us—we’ll be happy to help.
I wish to retire comfortably in 20 years. What’s the single most crucial thing I should start doing immediately?
You must start an SIP today—not tomorrow, not in a week, or after a month! Because compounding can be pretty ruthless with delay. Figure out how much you will require in your retirement years, your risk appetite, and your time horizon, and start your mutual fund investment journey today. The logic is simple: you may not be able to accumulate enough corpus if you start late—let compounding play its magic.
