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⁣Not many people realise how important it is to have a proper RETIREMENT PLANNING strategy. You see, by the time most pe...
06/10/2021

⁣Not many people realise how important it is to have a proper RETIREMENT PLANNING strategy. You see, by the time most people come to such a realisation, they are usually too late and miss out on the many opportunities that would have given them financial stability and peace of mind in their later years!

So, You should always think rationally, what is your retirement strategy and start budgeting early. Shape the right MINDSET and monitor your money decisions wisely so you have an idea of how to ACHIEVE your retirement goal smoothly.

05/10/2021

Life हो या investment... Balanced होना बहुत जरूर है।

03/07/2017

*Thumb Rule of Financial planning.*
1. 30 % of your income must be used for *monthly living expenses.*
2. 30% of your income must be used for *Liabilities repayments*, if any..
3. 30% of your income must be *SAVED* and *INVESTED* for your future LIVING.
4. 10% of your income must be spared for *entertainments, vacations*
5. 6 months expenses must be available for *emergency fund* (should be invested in LIQUID FUND, FD Etc)
6. *Home loan* must be registered and apply on both *husband and wife name.* (Both can get benefits on Home loan Tax benefits)
7. Buying *second house for investment is not advisable* ( _Survey reports - it will fetch you only around 3% return_)
8. After 45 years of age, *not supposed to enter into any BIG LIABILITIES* (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)
9. Have joint account @ Bank savings account.
10. Property must be *registered on both Husband and wife name*. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)
11. Regular check on *Nominations at all financial instruments.* if not nominated, do it now..
12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement
13. *One Must Must have sufficient Insurance policies*to financially secure future of your dependants..
*Under Insurance or low insurance has zero value*
14. *Don’t take any financial investment decisions EMOTIONALLY and out of obligations*, and also Avoid last minute tax saving investment decisions, plan well in advance..
15. *MEDICLAIM is must* (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)
16. For your *jewelry LOCKER*, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.
17. Like same way *Government guaranteed only one lakh for your FD* also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)
18. Must know all *Tax implications.* You cannot avoid paying tax. But you can minimize by way of tax planning and investments..
19. All *financial documents must be kept safely* and keep family members informed of the same..
20. *Financial investments* must be followed through *personal financial advisor..*
21. *Review your portfolio at every six month..*
These are general suggestions, personal Finance and investment decisions depends upon case to case_
*Have a Healthy and Wealthy*
*F.Y. 2017-18.*

16/06/2017

Imagine you are moving at 10 km per hour and your friend is moving at 11 km per hour.

After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see each other.

After an hour you are 1 km apart. You can no longer see each other but still you aren’t all that far from each other. If you wish you can meet each other easily.

But after 10 hours you are 10 km apart and after 100 hours you are 100 km apart.

Now you are in two different cities. It’s too far to meet each other. Perhaps you have to speak over phone.

Likewise investing in a fixed deposit of 6% per annum or investing in a mutual fund of 10-15% per annum does not make a huge difference when invested for a period of 1 year or even for that matter for a period of 2 years.

However, if you were to invest for a period of 10 years to 15 years, the 4-9% difference but nearly 100-200%.

Hope this explains why even a 4-9% difference in returns cannot be ignored in the long term and moreover why Equity mutual fund is also one of the good investment option for long term. Have a nice day.

24/03/2016

॥ॐ॥ आध्यात्मिक आनन्द, भौतिक सुख, शान्ति एवं समृध्दि की हार्दिक मंगलकामनाओं के साथ आप एवं आप के परिवार को होली की हार्दिक शुभकामनाएं॥॥

॥ॐ॥ आध्यात्मिक आनन्द, भौतिक सुख, शान्ति एवं समृध्दि की हार्दिक मंगलकामनाओं के साथ आप एवं आप के परिवार को होली की हार्दिक...
24/03/2016

॥ॐ॥ आध्यात्मिक आनन्द, भौतिक सुख, शान्ति एवं समृध्दि की हार्दिक मंगलकामनाओं के साथ आप एवं आप के परिवार को होली की हार्दिक शुभकामनाएं॥॥

21/01/2016

An eight-year-old child heard her parents talking about her little brother. All she knew was that he was very sick and they had no money left. They were moving to a smaller house because they could not afford to stay in the present house after paying the doctor's bills. Only a very costly surgery could save him now and there was no one to loan them the money.

When she heard her daddy say to her tearful mother with whispered desperation, 'Only a miracle can save him now', the little girl went to her bedroom and pulled her piggy bank from its hiding place in the closet. She poured all the change out on the floor and counted it carefully.

Clutching the precious piggy bank tightly, she slipped out the back door and made her way six blocks to the local drugstore. She took a quarter from her bank and placed it on the glass counter.

"And what do you want?" asked the pharmacist.

"It's for my little brother," the girl answered back. "He's really very sick and I want to buy a miracle."

"I beg your pardon?" said the pharmacist.

"His name is Andrew and he has something bad growing inside his head and my daddy says only a miracle can save him. So how much does a miracle cost?"

"We don't sell miracles here, child. I'm sorry," the pharmacist said, smiling sadly at the little girl.

"Listen, I have the money to pay for it. If it isn't enough, I can try and get some more. Just tell me how much it costs."

In the shop was a well-dressed customer. He stooped down and asked the little girl, "What kind of a miracle does you brother need?"

"I don't know," she replied with her eyes welling up. "He's really sick and mommy says he needs an operation. But my daddy can't pay for it, so I have brought my savings".

"How much do you have?" asked the man.

"One dollar and eleven cents; but I can try and get some more", she answered barely audibly.

"Well, what a coincidence," smiled the man, "A dollar and eleven cents - the exact price of a miracle for little brothers."

He took her money in one hand and held her hand with the other. He said, "Take me to where you live. I want to see your brother and meet your parents. Let's see if I have the kind of miracle you need."

That well-dressed man was Dr Carlton Armstrong, a neurosurgeon. The operation was completed without charge and it wasn't long before Andrew was home again and doing well.

"That surgery," her mom whispered, "was a real miracle. I wonder how much it would have cost."

The little girl smiled. She knew exactly how much the miracle cost ... one dollar and eleven cents ... plus the faith of a little child.

Perseverance can make miracles happen! Miracle can come in various forms - as a doctor, as a lawyer, as a teacher, as a police ,as a friend, as a stranger and many others..

A river cuts the rock not because of its power, but because of its consistency.

Never lose your hope & keep walking towards your vision.

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