Bini

Bini We are on a journey to make investing simple. App Link: https://bini.com.bd/download
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Empowering retail investors in Bangladesh with data-driven insights and comparison tools for financial assets. Our mission is to simplify investment decisions through transparent, up-to-date insights, enabling individuals to make informed choices with confidence. Helping Bangladesh be better with money!

Bangladesh is shifting its fiscal year from July-June to April-March, with FY2027-28 as a 9 month transition before the ...
26/08/2026

Bangladesh is shifting its fiscal year from July-June to April-March, with FY2027-28 as a 9 month transition before the new cycle begins in FY2028-29. The change aims to keep infrastructure work clear of monsoon season, which has historically slowed projects and hurt quality. It's also a return to the calendar Bangladesh used before 1971. With the tax year shifting too, start tax planning now and build your rebate month by month instead of rushing before the deadline.

22/08/2026

Which investment type should you choose: SIP vs Lumpsum?

Both SIP and Lumpsum serve different financial goals and financial situations. Knowing when to choose which method can help maximize your returns while keeping your strategy aligned with your cash flow.

In the eighth episode of our Mutual Funds 101 series, we compare SIP and Lumpsum investments to show you when to deploy idle cash for tax rebates and higher returns, and how SIP helps build financial discipline through Taka cost averaging.

Your bank just started paying you less, and it's not a coincidence. Most banks have cut deposit rates by 50 to 100 basis...
19/08/2026

Your bank just started paying you less, and it's not a coincidence. Most banks have cut deposit rates by 50 to 100 basis points in recent weeks. Banks are sitting on excess liquidity, loan demand just hit a record low, and Bangladesh Bank's recent policy moves have left banks with little reason to compete for your deposit.

Meanwhile, inflation hasn't eased enough to close the gap. Many banks now offer close to 8%, barely ahead of July's 8.32% inflation, so the real, after-inflation return on many savings accounts is close to zero.

But income funds sit on the other side of this. They hold treasury bonds and bills directly, and when rates fall, those bonds tend to rise in value.

17/08/2026

What is Net Asset Value (NAV) in Mutual Funds?

Just like products have price tags, mutual funds have NAV (Net Asset Value). Understanding how NAV works is crucial to knowing how many units you get for your investment and how your portfolio's value changes over time.

In the seventh episode of our Mutual Funds 101 series, we explain how NAV is calculated, how it determines unit allocation, and why a lower NAV doesn't necessarily mean a fund is a better investment option.

16/08/2026

Ever wondered what actually happens in a month at Bini?

We passed the mic from product to marketing to bring you everything we built, improved, and launched last month.

12/08/2026

How to invest in a Mutual Fund?

Investing in mutual funds doesn't have to be complicated or time consuming. With Bini, you can complete your initial setup right from home and start building your portfolio seamlessly.

In the sixth episode of our Mutual Funds 101 series, we walk you through the simple setup process: completing your profile, adding nominees, bank details, and BO account, and show you step-by-step how to set up SIP or lump sum investments directly from your device.

11/08/2026

Not every investor plays the same game. So why should your investment strategy be the same?

Whether you’re looking for stability, long term growth, or investments aligned with your values, there’s a fund for your goals.

Guardian - Income Fund
Maverick - Growth Fund
Sentinel - Shariah Fund

Choose your class. Build your strategy. Start investing with Bini.

10/08/2026

What are the pros and cons of investing in Mutual Funds?

Every financial decision comes with its own advantages and trade offs, and mutual funds are no different. Before deciding where to put your money, it is essential to look at both sides to make an informed choice.

In the fifth episode of our Mutual Funds 101 series, we break down the key pros and cons of investing in mutual funds, from professional management, instant diversification, and tax rebate benefits to variable returns and management fees, helping you see why they remain one of the best choices for beginners.

07/08/2026

How should you invest in a Mutual Fund?

When it comes to putting your money into mutual funds, the way you invest can make a huge difference. Should you deposit a large lump sum all at once, or start a Systematic Investment Plan (SIP) every month?

In the third episode of our Mutual Funds 101 series, we break down how Lump sum and SIP investments work, the concept of taka cost averaging, and which method makes the most sense for your personal goals.

Most of us keep savings in DPS because it feels safe and familiar. Fixed income mutual funds work on the same principle:...
28/07/2026

Most of us keep savings in DPS because it feels safe and familiar. Fixed income mutual funds work on the same principle: your money goes into treasury bonds and bills, backed by the government. What changes is how it performs and how accessible it stays. Returns have historically been stronger than DPS, and there's no lock-in period either. You can sell your holdings anytime (an exit load may apply depending on the fund). If safety matters to you but so does flexibility, swipe through to see how it compares.

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