A quick Financial plan (age group 25-35 years)

A financial plan is a simple way to manage your finances, create wealth over a period of time and protect the wealth created. It is often thought that financial planning is for the higher income group or a thing to be done as we near our retirement. But in reality that is not the case, […]

Emergency funds….

For Indian household emergency fund is not a new concept. But the same has lost its importance in the recent years due to availability of of credit card and easy loan facility. People do not understand that these loans and credit cards come with interests. They help you meet your urgent financial need but the […]

Building a Mutual Fund Portfolio…

People do not understand the concept of Mutual Fund portfolio, starting an SIP of minimum amount is considered to be an investment. Such an investment proves to be of no worth in the financial portfolio as the amount so invested is very low, almost negligible as compared to the monthly income earned. An individual should […]

The TAX saver (section 80C)

Section 80C of the income tax act is a major savior for the salaried class. A person in the highest tax bracket i.e 30% can save upto Rs. 45000 as taxes if used properly. Under section 80C taxes can be saved by buying Life insurance or investing in Mutual funds, investing in FD, interest payment […]

Tax planning in the month of march…..

If you are planning to save taxes and you are already in the month of March YOU ARE LATE but you have not missed the bus. So what can you do now, not taking any wrong decision is the best you can do in this month. In the month of March advisor/agents sell any product […]

Getting out of the DEBT TRAP…

In the name of life style people are getting into the debt trap. People spend a huge portion of their monthly income in EMIs and Loan repayment. Taking a loan is not wrong but taking a loan for buying luxurious and unwanted stuff is CRIME. People blame their low paying jobs for the financial screw […]

The debt trap…..

“If you buy things you don’t need, you will soon have to sell things you need” Warren buffet. Now a days people are spending huge amount of money on luxuries and for the same they take on debts. People have forgotten the concept of affordability, people themselves don’t know what they can actually afford. You […]

Invest…but where…???

Earning money is a lot more easier than investing it. Choosing an investment avenue is a difficult task even for the people in finance sector. Today, there are a lot of Investment avenues available for an individuals, this creates confusion among Investor about which avenue is best suited for them. People avoid investing just in […]

Would you like to retire with money or regret….??

People who cry about not having a company funded pension never talk about the fat salaries they draw on monthly basis. Rather than Planning people prefer to blame the system,the company, circumstances etc. It is always too early to think about pension plans or too late to plan your retirement, nothing in between. People tend […]

Do you need more income or proper allocation of income….

“I want to invest but my salary does not permit me” or ” I will start investing as and when I get a raise”, I have been hearing these sentences very frequently. People think they are unable to Invest just because they are earning less, this is a myth. Becoming rich is not about earning […]