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30/06/2026

Financial advisor sirf ameer logon ke liye hote hain.

Yeh myth hai.

Aur yeh myth un logon ko sabse zyaada hurt karta hai — jo actually advice ki zaroorat mein hain.

Sach yeh hai: jab paisa kam hota hai — tab galat decision ki cost zyaada hoti hai.

₹10 crore waala ek galat decision afford kar sakta hai.

₹50 lakh waala nahi kar sakta.

Isliye jo paisa grow kar raha hai — woh sabse pehle guidance deserve karta hai.

My Two Cents usi ke liye hai.

29/06/2026

Liquidity ka matlab hai — paisa kitni jaldi haath mein aa sakta hai.

Savings account: kal milega. Highly liquid.

Mutual fund: 2–3 din mein. Liquid.

FD: 1–7 din mein — lekin penalty lag sakti hai. Semi-liquid.

Real estate: mahine se saal. Illiquid.

Yeh simple cheez bahut log nahi sochte jab invest karte hain.

Emergency mein illiquid asset kaam nahi aati — chahe value kitni bhi ho.

Portfolio banate waqt ek sawaal zaroor puchho: "Yeh paisa agar kal chahiye — toh milega?"

Agar jawab "nahi" hai — toh woh paisa security nahi hai. Investment hai.

Dono ki zaroorat hai. Dono ek nahi hain.

26/06/2026

Aapka CA bahut achha kaam karta hai.

Taxes file karta hai. Compliance dekhta hai. Audit handle karta hai.

Lekin kya woh aapko batata hai ki aapka paisa 10 saal baad kahan hoga?

Kya woh kehta hai — yeh FD tod do, yeh SIP galat hai, yeh insurance leni chahiye?

CA aur financial advisor — dono zaroori hain.

Dono bilkul alag kaam karte hain.

CA aapka past manage karta hai — taxes, compliance, records.

Financial advisor aapka future manage karta hai — goals, wealth, security.

Aapke paas dono hain?

— My Two Cents

25/06/2026

Aapke paas kitna paisa hai —

aur aap jaante bhi hain kahan hai?

Savings account. FD. Mutual fund. PF. LIC. Property.

Sab mila ke — ek number?

Comment mein batao — kitne alag instruments mein aapka paisa hai abhi.

24/06/2026

March aata hai aur suddenly sab investing karne lagte hain.

ELSS. PPF. NPS. Insurance.

"Tax bachao — invest karo."

Lekin yeh investing nahi hai. Yeh compliance hai.

Tax saving ka matlab sirf itna hai ki aapne sarkar ko thoda kam paisa diya.

Iska matlab yeh nahi ki aapka wealth badh raha hai.

Sahi plan mein tax saving ek byproduct hoti hai — goal nahi.

Pehle apna goal socho. Phir dekho kaun sa instrument dono kaam karta hai.

Ulta mat karo.

23/06/2026

Real estate mein paisa daalo — value badhti hi hai.

Yeh myth hai. Aur ek expensive myth hai.

Real estate return deta hai — kabhi kabhi. Kuch jagah. Kuch saalon baad.

Lekin kab milega woh return?

Agar aapko kal ₹50 lakh chahiye — kya aap apna flat kal bech sakte hain?

Real estate illiquid hai.

Emergency mein woh paisa kaam nahi aata.

Appreciation tab meaningful hoti hai jab aap actually bech sako — kagaz pe nahi.

Real estate portfolio ka hissa ho sakta hai.

Pure financial security ka base nahi ban sakta.

22/06/2026

Compounding ke baare mein sab jaante hain.

"Paisa paisa banata hai." Suna hai.

Lekin actually kya hota hai?

Aap ₹10,000 lagate hain. 12% pe 1 saal mein ₹11,200 ho gaya.

Ab woh ₹1,200 bhi next saal earn karta hai.

Aur uska interest bhi.

10 saal mein ₹10,000 → ₹31,058.

20 saal mein → ₹96,463.

30 saal mein → ₹2,99,599.

Aapne ek rupaya aur nahi lagaya.

Sirf wait kiya.

Compounding ka secret paisa nahi hai — waqt hai.

Aur waqt ab bhi hai. Kal se kam hoga.

11/06/2026

Aapke paas kitne mahine ka emergency fund hai —

sach mein?

1 mahina? 3 mahine? 6 mahine?

Ya "sochna hai abhi tak"?

Comment mein likho. Honestly.

10/06/2026

January mein hum sab financial goals banate hain.

SIP badhani hai. Term insurance leni hai. Will banana hai.

February mein busy ho jaate hain.

March mein tax saving mein lage hote hain.

April mein naya saal shuru hota hai — aur wahi cycle phir.

Yeh laziness nahi hai.

Yeh clarity ki kami hai.

Jab plan hoga — tab kaam hoga. Jab sirf intention hogi — tab sirf guilt hoga.

Is saal kya actually hua aapke financial goals ka?

09/06/2026

Term insurance waste of money hai.

Yeh myth hai.

Aur yeh myth aapki family ko ek din bahut mahenga padega.

Term insurance mein premium jaata hai — kuch milta nahi agar aap theek rahe.

Bilkul sahi.

Aapke ghar ki security ke liye bhi aap ROI nahi maangte.

Term insurance aapke jeene ka insurance nahi hai.

Aapke na rehne ke baad aapki family ke jeene ka insurance hai.

₹1 crore cover — sirf ₹800–₹1000 per month mein.

Isse "waste" kehna sabse expensive mistake hai.

Address

IA 299/1, BROADWAY Road SALT LAKE SECTOR 3
Salt Lake City
700097

Telephone

+919051376319

Website

http://www.mytwocents.in/

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