Financial Planning and Advisory Services

27/06/2018

This video will give the answer of the Question : When should I start investing in Mutual Funds .

06/03/2018

21/02/2018

Read Bhagavadgita whenever you are in confusion and u will get a solution...🙏🙏🙏
Read this whenever u are confused abt the stock market and u will get answers...😋😋

✳ 80% of gains come in 20% of time. So an investor needs enormous patience and conviction to hold stocks or Mutual funds for 10 or 20 years.

✳ Why not all investors get rich? They like to get rich without going through many years of discipline & patience. Process leads to outcome.

✳ An inferior strategy you can stick with is likely to produce better results than a superior strategy you cannot stick with.

✳ Prices change frequently. Value change over a period of time. There lies the opportunity.

✳ Compounding is back loaded. It works well only over a longer period of time. There is no substitute for time in compounding.

✳ 99% of the time, doing nothing is the best thing to do in the market. It is good to be a Rip Van Winkle investor. Activity hurts. Sit still.

✳ You cannot predict or control markets. What you can control is how much you save, investment process and behaviour. Focus only on that.

✳ Random outcome doesn’t invalidate the need for a process. Sound process and consistently sticking to the same increases the chance of luck.

✳ Investors are human. That’s why markets would never be fully efficient.

✳ Markets usually run ahead or fall behind. Rarely in equilibrium. Over or under valuation can last for long time. Don’t time the market.

✳ Buying and selling is easy. It is holding on through ups and downs is difficult but ultimately most rewarding.

✳ Tiny drops of water make the mighty ocean. Invest regularly. Invest for long term. You can create huge wealth.

✳ Not investing in equity is more risky than investing in it. Remember, you need to beat the inflation and retain your purchasing power.

✳ We see past bear markets as missed opportunities. However thinking of future bear markets is gut wrenching. Strange investor psyche.

✳ If someone keeps reviewing value of his house every day, we may suspect his mental health. But that’s what we keep doing with our equities.

✳ Equity investments are subject to behaviour risks. Always keep a check on your emotions while investing.

*Happy Longterm Investing* 👍🏼👍🏼

21/02/2018

This video shows that investment in equity market for long term can create wealth .

17/01/2018

5 Goldens rules of Financial Planning

02/01/2018

Hello Friends
Wish you a very Happy and Prosperous New Year .
Here are some Financial Tips which you should follow for your secured Financial Future .

1. Get prepared for financial disruptions and risks .
2. Review your Finances and define financial goals .
3. Take a suitable Life and Health Insurance .
4. Start Budgeting .
5. Involve family when taking Financial Resolutions .
6. Construct your wealth like a Pyramid .
7. Make informed and definite choices .
8. Avoid having myopic vision while planning taxes .
9. Be smart while taking Loans .
10. Pay your Taxes .

20/12/2017

A Strategic Investment Plan (SIP)

Link your SIP to specific financial goal - Let it be "Specific Investment Plan." (SIP)

Also do it sincerely "Sincere Investment Plan." (SIP)

It will then turn out to be "Superb Investment Plan."(SIP)

18/12/2017

Some very important financial tips that everyone should know ....

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It's important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself. Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Do not lend money to an individual for the sake of good returns compared to secured investment.

19. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

17/12/2017

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. Must have Term Insurance to financially secure future of your dependants.. Conventional Insurance products can serve as Debt oriented investments and provide assured returns in the present falling interest regime with Tax benefits.

14. Don’t take any financial investment decisions EMOTIONALLY, 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.

17/12/2017

Good Evening Friends
Welcome Everyone
I have created this page for all types of Financial Planning and Advisory Services .
I am providing all types of Financial Planning Services like Investment Planning , Insurance Planning , Tax Planning, etc .
If you have any query related to investment then you can contact me .
Thanks