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Thu May 1, 2025
Understanding Income: Active vs PassiveIn today's world, every individual is engaged in some form of income-generating activity. But do we truly understand the types of income we earn?
When you work in an organization or factory and receive a salary, or when you're a professional like a doctor, lawyer, or tax consultant charging fees, or even when you run a business and earn profits — all these are sources of active income. You offer time and service in exchange for money.
Now, think of this — you buy a house and give it on rent, or put your money in a Fixed Deposit and earn interest. You are not actively working for this income; it's coming in passively frominvestments. That’s passive income.
We all earn and spend — on groceries, school fees, transport, entertainment, and vacations. Whatever is left after expenses is saved.
If you just keep your money in a cupboard or locker, it won’t grow. Worse — due to inflation, its value actually decreases over time.
Why Investment is Crucial
If you invest ₹100 and earn only ₹5 as return, you now have ₹105 — still short of ₹1 to buy the same product.
That means your investment return must outpace inflation to preserve purchasing power.
That’s why saving is not enough — you need to invest wisely to make your money grow.
Then Why Appear for the SEBI Investor Certification Exam?
Because understanding how money works is the first step toward financial freedom. This exam is not about getting a job — it’s about empowering you to make smart financial decisions and fulfill your future money goals.SEBI Investor Certification Exam – Objectives; Benefits
This exam, regulated by SEBI (Securities and Exchange Board of India), is designed for individuals who want to understand financial markets and make informed investment decisions.
Key Learning Objectives:
a) Develop a strong foundation in basic finance concepts – savings, investment, budgeting, and inflation.Who Should Take This Exam?
New Investors
Students and Teachers of Finance
Working Professionals
Anyone interested in building long-term wealth through informed investment
This certification can be your first step into the world of financial literacy, capital markets, and personal wealth management.Final Thoughts
In a world where money is constantly losing value due to inflation, it's important to not just save but invest smartly. The SEBI Investor Certification Exam helps you develop the right mindset, tools, and knowledge to grow your wealth and secure your financial future.
Prof. Sheetal Kunder
SEBI® Research Analyst. Registration No. INH000013800 M.Com, M.Phil, B.Ed, PGDFM, Teaching Diploma (in Accounting & Finance) from Cambridge International Examination, UK. Various NISM Certification Holders. Ex- BSE Institute Faculty. 16 years of extensive experience in Accounting & Finance. Faculty Development Programs and Management Development Programs at the PAN India level to create awareness about the emerging trends in the Indian Capital Market and counsel hundreds of students in career choices in the finance area.
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