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I still remember the day we almost hired "The One." You know the type: perfect resume, charming smile, and a handshake that screamed executive material. We were popping champagne in the conference room, convinced we’d found our next VP. Then, an intern—bless his curious heart—decided to do a quick search. The mood in the room dropped faster than a lead balloon.

It turns out, our "perfect" candidate spent his weekends moderating a forum dedicated to... let's just say, extremely colorful conspiracy theories involving violence.

We dodged a bullet that day, but it left me with a sinking feeling. In 2026, a candidate’s resume tells you who they want to be. Their digital footprint tells you who they are. This brings us to the uncomfortable but necessary conversation about social media screening—the digital background check that is rapidly becoming the new standard.

The Minefield: It’s More Than Just Bad Words

Let’s be real for a second. When we talk about vetting, most people picture a grumpy HR manager hunting for photos of you holding a red cup at a college party. That is ancient history. Nobody cares about your questionable taste in karaoke songs.

The real danger lies in the deep, dark corners of the internet. We are talking about serious behavioral risks that can torpedo a brand’s reputation overnight. If you want to know exactly what sends recruiters running for the hills, you need to study the definitive list of 20 Red Flag Examples in Social Media Screening.

I’m talking about the "Big Three" that keep Risk Officers awake at night:

Hate Speech & Intolerance: It starts with a "joke" and ends with a national PR crisis.

Violence & Aggression: I’ve seen candidates who seem mild-mannered in person post threats that would make a sailor blush.

Illegal Activity: Posting evidence of substance abuse or criminal acts isn't just "edgy"—it’s a liability lawsuit waiting to happen.

It’s not just about filtering out the "bad guys." It’s about protecting the culture you’ve built from toxicity.

The Shift: Why "Intern Googling" is a Recipe for Disaster

For years, the industry standard was essentially "let’s hope the intern finds it." We treated background checks like a game of hide-and-seek. But here is the kicker: manual screening is fundamentally broken.

First off, it’s biased. If I look at a candidate’s profile and see they root for a rival sports team, my brain unconsciously dings them. It’s human nature. Second, it’s impossible to scale. You cannot manually read five years of tweets for 50 applicants unless you have a time machine.

This is why smart companies are ditching the manual grind for Phyllo’s social screening solution. We are moving toward a world where AI-driven vetting does the heavy lifting. These tools don't get tired, they don't have biases, and they can scan thousands of data points in the time it takes you to sip your morning coffee. They deliver a compliant, objective report that focuses purely on risk, not on personality quirks.

Future Trends: The Algorithm Gets Context

If you think today’s tech is impressive, just wait. The future of digital vetting is getting smarter, faster, and scarier for bad actors.

The biggest leap forward is Contextual AI. Old filters were dumb; they’d flag the word "shoot" even if you were talking about a basketball game. The new generation of tools understands intent. They can tell the difference between a harmless slang phrase and a genuine threat.

We are also seeing the rise of Visual Intelligence. Text is easy to hide, but video doesn't lie. As platforms like TikTok and Instagram Reels dominate, social screening tools are evolving to analyze video content for behavioral red flags that text analysis completely misses.

The Bottom Line

Ignoring the digital world is no longer "taking the high road"—it’s negligence. The risks are simply too high to leave to chance.

So, do yourself a favor. Don't wait until the contract is signed to find out who you really hired. Dive into the data, understand the 20 Red Flag Examples in Social Media Screening, and modernize your process.

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Mutual fund apps have revolutionised the way people invest. With just a few taps, you can start, track, and manage your entire portfolio. However, this convenience can sometimes lead to overlooked details and avoidable errors. The way you use the app often matters more than the tools it offers. Many investors, even with good intentions, unknowingly make decisions that affect long-term outcomes. 

Having said that, let's understand where things usually go wrong so that you can use your mutual fund app more effectively and avoid costly missteps. 

Ignoring curated collections 

Most mutual fund apps offer expertly curated fund baskets to match specific goals like:

Retirement

Tax-saving

Child’s education

Wealth building

Skipping these collections means missing out on the groundwork already done for you by research experts. These collections are an ideal place to start, especially if you are unsure which schemes fit your needs.

Misreading fund returns

Practically, many investors just look at the total return numbers in a mutual fund app to make decisions and don’t check how they are calculated. Some returns are absolute, reflecting short-term growth, while others are annualised, showing performance over longer periods. A fund may appear to offer high returns, but that figure might only reflect a recent market rally. 

Look for 1-year, 3-year, and 5-year annualised returns separately. This helps you analyse consistency and how the fund has performed through different market conditions.

Reacting emotionally to market fluctuations

With a mutual fund app, you can buy, sell, or switch funds instantly. This control is beneficial, but it can also prompt emotional decisions during market dips or rallies. You might think you are fixing a problem, but every switch may involve exit loads or taxes. It also breaks the compounding cycle. 

Instead of reacting at the moment, use performance tracking and goal-planning features to stay aligned with your original investment plan.

Overdiversifying without purpose

Mutual fund apps give access to thousands of schemes, but this access could also lead investors to keep adding funds without a clear strategy. Holding too many funds, especially from the same category, creates overlap and complicates performance tracking. Instead of minimising risk, it can dilute returns and make your portfolio difficult to manage. 

It’s wise to avoid the urge to add funds just because they are available. Try to give more priority to quality over quantity by selecting a few well-chosen funds that serve different financial goals.

Not reviewing the portfolio regularly

Without regular reviews, you might continue holding underperforming schemes or miss opportunities better suited to your present goals.  

MF apps offer useful tools to analyse holdings, view category-wise allocation, track performance across timeframes, and assess risk levels. With these tools and periodic reviews, you can stay informed, make timely adjustments, and stay aligned with your investment purpose.

To sum up

A mutual fund app offers powerful tools to plan, invest, and track. However, the outcome depends on how wisely you use it. Make sure to avoid common mistakes like chasing short-term returns, ignoring curated options, overdiversifying, misreading returns, or neglecting periodic reviews. These minor yet costly missteps could lead you to invest in the wrong funds, miss profitable opportunities, or build a poorly structured portfolio.

You can choose MO Riise by Motilal Oswal to make your mutual fund journey informed and hassle-free. Backed by the legacy of a SEBI-registered public entity, over 40 lakh users already trust the app. You get access to multiple asset classes, expert-backed research, UPI-based payment options, and useful portfolio management tools. Curated fund collections, educational resources, and 24/7 help make it even more investor friendly.

Looking for an app that genuinely supports long-term investing? Many platforms offer limited research, lack portfolio management tools, levy hidden charges, display outdated data, and fail to offer personalised investment strategies. These shortcomings make it difficult for investors to make informed decisions and build a diversified portfolio for long-term success.

MO Riise by Motilal Oswal solves these problems by delivering a full suite of features designed to support long-term investment goals. Backed by a SEBI-registered public entity, the app is trusted by 40 lakh+ users. Learn in detail below what makes MO Riise one of the best apps for long-term investors.

Open your demat account in minutes

MO Riise is a stock market app that lets you begin your investing journey instantly and effortlessly. The entire demat account opening process is quick, paperless, and 100% digital. You only need to provide your:

PAN

Aadhaar

Bank details

And that’s it! You can start investing in Indian as well as US stocks!  

High-quality research backed by experts

MO Riise’s research covers over 260 stocks across 21 industries. Whether you are interested in technology, healthcare, energy, or consumer goods, you can go through a rich pool of stocks. The research gives context, sector outlooks, and risk factors so you grasp the ‘why’ behind every stock. It empowers you to build a solid, informed portfolio focused on long-term growth.

Detailed stock return analysis

MO Riise allows you to monitor stock returns across different time periods, such as:

Year-to-Date (YTD)

1 week

6 months

2 years

5 years

10 years

This detailed return data helps long-term investors examine how a stock has performed historically and get valuable insight into its growth trajectory and stability. Understanding past performance is critical for making informed decisions and predicting potential future returns.

Curated stock collections for every strategy

MO Riise is a helpful share market app for beginners and seasoned investors alike as it offers curated stock collections to simplify long-term investing:

Most bought: Stocks with high investor interest

Most searched: Stocks frequently tracked in MO Riise

Better than Nifty 50: Stocks that have outperformed the benchmark

FII’s favourite: Stocks widely preferred by foreign institutional investors

Debt-free stocks: Companies with no debt burden

Highest dividends: Stocks offering consistent payouts

You can utilise these collections to build a well-researched, diversified, long-term portfolio.

Spot key stocks for long-term investments

MO Riise's ‘Market Movers’ section makes it easy for long-term investors to find key stocks with significant price movements. It features categories like ‘Top Gainers’, ‘Volume Gainers’, and ‘52-Week High’, which highlight stocks gaining momentum. By tracking these, you can zero in on strong performers with the potential for continued growth. 

You can also track stocks at a 52-week low to identify undervalued opportunities, perfect for building a diversified long-term portfolio.

Analyse ratings on stocks

MO Riise uses a simple rating system to help investors make smart decisions. The ratings range from 1 to 5. 1 indicates a strong buy recommendation and suggests that the stock has a high potential for growth. 5 signals a sell and indicates the stock may not perform well or could fall short of expectations. 

This rating system assists investors in aligning their strategies with expert opinions and market trends.

To sum up

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Every trader starts somewhere. Some are just beginning to explore charts and market movements, while others are refining strategies they have used for years. But all traders, regardless of experience, look for solid knowledge, practical training, and expert guidance. That’s where EDUMO Pro comes in. This one-month, trading-focused certification program is developed by Motilal Oswal, a SEBI-registered public entity trusted by over 40 lakh traders. 

Built for traders at all stages, EDUMO Pro offers market-aligned learning via live interactive webinars, self-paced videos, recorded sessions, and web + mobile learning platforms. With its tiered course structure, EDUMO Pro effectively addresses each phase of a trader’s growth. You learn exactly what you need to trade better, faster, and confidently.

Why EDUMO Pro’s courses are perfect for every type of trader

Features that make EDUMO Pro courses useful for every trader include:

Focused courses for each topic

This educational share market app divides learning into four tracks, each designed to support traders based on their experience level, interests, and specific goals:

1. Stock market trading and investing: Covers equity, Futures and Options (F&O), commodities, currency markets, and trading platforms.

2. Technical analysis: Builds chart-reading skills, trend identification, support-resistance zones, and strategy formation using indicators.

3. Options strategies: Focuses on open interest, option chains, Greeks, and advanced spreads.

4. Expert combo program: Combines all three courses in a single track. Great for committed learners but may feel intensive for beginner traders.

Both theoretical and practical learning

EDUMO Pro balances market theory with actual trading applications. You don’t just study what candlestick patterns or option Greeks mean, you also learn when and why to utilise them. Theory explains the logic behind trades, and practice shows how to apply that logic. Every concept is backed by examples from share markets, which helps you connect textbook ideas with current trends.

This approach helps you think like a trader and build confidence to act.

Customisable learning formats 

Not everyone has time to study full-time. EDUMO Pro offers multiple learning paths, including weekday-intensive and Saturday-only formats. Courses are structured into 4-week blocks with live sessions, recorded webinars, and Do-It-Yourself (DIY) videos.  

So, you can learn at your own pace, revisit sessions, and keep progressing without putting your job or other obligations on hold.

Real experts, real conversations

The value of a course depends on who is teaching it. While the content is solid, what elevates EDUMO Pro is the trainers. Trainers with decades of trading and coaching experience lead the live webinars. They break down complex share market ideas in simple language, share practical market insights, and answer your questions live.

As a learner, you benefit from organised lessons, interactive Q&As, and critical insights rooted in years of market experience. These sessions help you know the ‘why’ behind every trade and build decision-making skills that hold up in real trading conditions.

One ecosystem, endless learning

The learning doesn’t stop when the course ends. EDUMO Pro offers you access to a complete ecosystem via mobile apps, web dashboards, recorded sessions, and DIY guides. As the markets change, you can re-watch recorded classes, track your progress, review key concepts, and test fresh ideas using the same tools you were trained on.

Simply put, this educational stock app helps you keep growing even after the course is over.

EDUMO Pro | The right learning partner for every trader

Trading is not about acting on quick tips, rumours, advice, or online trends. It’s a skill developed through disciplined learning, ongoing practice, and real-time exposure. That is where EDUMO Pro stands out. 

The strength of this platform is that it’s for everyone, from beginners to experienced traders. Every course focuses on actual trading behaviour, practical tools, and topic-specific depth. Whether you are just setting up your first trading account or already juggling complex options strategies, EDUMO Pro has your back.

Starting your investment journey is a wise decision to build a secure financial future. However, as a first-time investor, it’s easy to make mistakes, such as following social media trends blindly, taking random advice from friends, acting on short-term hypes, or chasing only past returns.

These mistakes could mean investing in the wrong products, missing growth opportunities, or building an unbalanced portfolio. That’s where MO RiiSE helps. This investing app is backed by the legacy of Motilal Oswal, a SEBI-registered public entity trusted by 40+ lakh investors.

Look at some common mistakes that first-time investors often make and how MO RiiSE helps avoid them.

Choosing the wrong demat account app

Many beginners rush into opening a demat account without comparing features, only to later realise they are now dealing with high charges, slow execution, or limited support.  

MO RiiSE is a user-friendly demat account app that does not charge any fee for account opening, annual maintenance, or expert research. The 100% paperless onboarding process, real-time market data, and 24/7 customer support make it ideal for new investors who want to invest confidently.

Investing without a goal

Many new investors jump into stocks or mutual funds without clear goals like tax saving, passive income, or long-term wealth. This often leads to random choices and mismatched portfolios. MO RiiSE offers a goal-oriented investing experience with organised categories of funds.

For mutual fund investors, the app offers objective-based collections, such as:

Tax saver

Systematic Investment Plans (SIPs) with ₹500

High return funds

Index funds

International funds

For stock investors, this demat app offers curated categories like:

Highest dividends

Better than Nifty 50

Debt-free stocks 

Foreign Institutional Investors (FIIs) favourites

These categories help beginners invest with purpose and develop a disciplined approach to wealth creation from day one. 

Following the crowd instead of research

One of the most common mistakes in the stock market is acting on hype or rumours. Adding stocks just because friends are buying or following social media tips could mean investing at peak prices, holding the wrong stocks, or exiting early out of panic.

MO RiiSE helps you avoid such situations by offering expert-backed research on over 260+ stocks covering 21+ industries. For more guidance, you can join StoCoMo. It’s India’s first investor network with 1.5 lakh+ members, where investors join live discussions, attend weekly sessions, and interact directly with Motilal Oswal experts for free.

Focusing only on returns

Among the most common investing mistakes to avoid is chasing top-performing investment products without analysing consistency, volatility, taxation, or investment horizon. This can lead to overpaying for overhyped assets, ignoring risk, and ending up with a portfolio that doesn’t fit your goals.

MO RiiSE provides crucial insights on every scheme, such as:  

Access to such details helps you avoid hype-driven decisions and create a research-based portfolio.  

Not diversifying

Many beginners also commit the mistake of investing heavily in one stock or one mutual fund scheme, often based on word of mouth or internet trends. This can be risky because if that one asset underperforms, it can drag down your entire portfolio.  

MO RiiSE makes diversification easier by offering access to investments across equity, debt, hybrid, tax-saving, and even Exchange-Traded Funds (ETFs) categories. You can even start multiple SIPs across categories to divide risk and build a more stable, goal-oriented investment strategy.

To sum up

Every experienced investor once started from scratch. Mistakes are part of the learning curve, but with the right tools, they don’t have to be costly. MO RiiSE, with its free and 100% digital onboarding process, expert insights, learning materials, real-time market updates, and many investment options, helps you build a smarter, more diversified portfolio from day one. 

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A Demat account is a crucial component for investors in the financial world. It serves as a digital safe deposit box, protecting various securities such as stocks, bonds, and mutual funds in electronic format. However, one important aspect that is often overlooked is the role of a nominee in Demat account among the sea of financial terminologies and functions.

What is a Demat Account?

To understand the significance of a nominee in a Demat account, it's crucial first to comprehend what a Demat account is. Simply put, a Demat account, short for "Dematerialised account," is an electronic repository for holding securities in a paperless form. Instead of physical certificates, securities are held and traded electronically, streamlining the process and reducing paperwork. This account provides a secure and convenient way for investors to manage their investments and trade in the stock market.

The Role of a Nominee in a Demat Account

A nominee in a Demat account is an individual designated by the account holder to act on their behalf in case of unforeseen circumstances. This nominee holds a pivotal role, serving as a trustee for the account's assets in the absence of the account holder. In essence, they become the custodian of the securities held in the Demat account and are entrusted with the responsibility of managing these assets as per the account holder's wishes.

Understanding the Significance

Nomination of a Demat account is essential as it facilitates the smooth transfer of ownership in the event of the account holder's death. By appointing a nominee, the account holder ensures their investments do not suffer from legal complexities or procedural hurdles. Instead, the nominated individual can help transfer the securities to legal heirs or beneficiaries and safeguard the interests of the assets.

Nominee's Responsibilities

It is important to understand that the nominee's role is primarily to fulfil the wishes of the deceased account holder. They act as a trustee and executor, ensuring the smooth transfer or disposal of assets in accordance with legal requirements and the account holder's instructions. In addition, the nominee must maintain transparency and integrity when managing the assets entrusted to them.

Conclusion

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Embarking on the journey of derivative trading may seem daunting at first, but with some guidance, it becomes a comprehensible venture for investors seeking to diversify their portfolios. This article'll demystify the process and show how derivative trading works.

Understanding Derivative Trading:

In the realm of financial markets, derivative trading involves contracts derived from the value of underlying assets, be it stocks, bonds, commodities, currencies, or market indices. These contracts, aptly named derivatives, derive their value from the price movements of the underlying assets.

Essential Aspects of Derivative Trading

 1. Futures and Forwards

 Futures and forwards contracts offer investors a glimpse into the future value of assets by requiring them to buy or sell assets on specific dates and at certain prices. This gives investors a sense of trends in the market while minimizing the risk.

 2. Options Trading

 Options permit buyers to purchase (call option) or sell (put option) an underlying asset for the price agreed upon within a specified time frame at an agreed amount and at a specific date. Investors are able to modify their strategy according to the market conditions.

 3. Swaps

Swaps are contracts under which the parties sign an agreement to swap financial or other products or funds for a specified period of time including swaps for interest rates and currency which help investors reduce risks associated with rate volatility or currency. Common types are currency or interest rate swaps that allow investors to control possible volatility concerns in these investments.

How it Works Simply Said

Let's break down the fundamentals of derivative trading. Imagine yourself as a farmer preparing to sell his wheat harvest within three months, concerned about potential price changes; you enter into a contract for futures with an interested buyer to secure your price and ensure it won't increase as the market drops; otherwise it will remain at an agreed-upon higher price than agreed-upon when selling at market close.

Risk and Reward in Derivative Trading

Derivative trading may present both lucrative opportunities and inherent risks. Leverage, a hallmark of derivative contracts, increases losses and gains significantly; trading firms can realize tremendous returns; however, any sudden market movements against them could bring major losses. Risk management must, therefore, be managed in derivative trading to minimize potential negatives.

Derivatives as Hedging Instruments: Their Role and Advantages

The main purpose of derivatives is hedging against price fluctuations. Businesses, investors and institutions all use derivatives to manage risk exposure - for instance, an airline could use futures contracts to secure fuel prices to keep operating costs constant regardless of market fluctuations.

Derivative Trading and Market Liquidity

Derivative markets play a vital role in market liquidity by offering investors a way to buy and sell contracts quickly and accurately, which allows traders to enter or exit positions quickly.

Regulation and Oversight

Derivative markets are subject to stringent regulation and oversight to preserve market integrity and safeguard investors--regulatory bodies establish guidelines to prevent market manipulation and ensure fair practices.

Conclusion