Financial Planning

Buy fear and sell greed The Indian financial markets are going through a rough phase. After touching highs of 12k on nifty on 3 rd June, it has seen a drastic fall. Markets are feeling major concerns as a slowdown in the economy. Budgetary proposals have initiated a correction in the market wherein major of FPIs have started taking out liquidity from the Indian equity market because of new tax implications proposed in budget 2019-20. Domestic institutions have also become  cautious in approach because of the macro and micro economy factor .  What is going wrong? Trade War between China & the United States The trade negotiation between china & USA is getting ugly day by day. President Trump said he would slap a 10 percent tariff on the remaining $300 billion of Chinese imports starting September 1 st . Now, this uncertainty and concerns about trade policies making entire world markets jittery. Asian & Indian markets are also affecting large...

Tomorrow Never Comes Being a part of the financial industry since 2003, we have met a lot of clients who have no clarity for their financial needs and future financial plans. The biggest problems are with the upper-middle class and middle-class segment of society, wherein they always conveniently postpone financial planning up to the age of 38-40 Years. At this age, it is not financial planning but rather it becomes crisis financial planning. Financial planning is a stepwise process but where we lack is a thought on financial planning. You may or may not want to look forward to future expenses but an individual cannot deny the fact of “Retirement “. Retirement is the real aspect of working life which is certainly bound to happen. But Major of us, avoid any planning for this purpose or delay it for unnecessary reasons. We have to understand; often life won’t work out the way you planned. And if it doesn’t, you’ll put yourself and your family in a less than ideal situation....

Decision Making in Current Financial Market Scenario     Market is going through rough patches so is your mutual fund portfolio. Bleeding markets usually hamper confidence of investors and especially ‘retail investors’. Since 14 th Sep 2018 to till date, different indices have fallen by approx 11%. The severity of fall has shaken the confidence of investors. Market corrections are always seen with some problems into micro or macroeconomy. We have to understand the push of correction and future outlook after correction is over. Having said, market corrections are a way of profit-booking by all type of investors and majorly domestic or foreign financial institution. Market generates higher returns comparing to other asset class in the long term because of its uncertain nature. Markets not only get affected by domestic issues but also it gets affected by international economies issues as well. Being an investor, we have to understand and analyze both the paramete...

Money Management Do you think, you have enough money for your retirement or future goals? Do you feel you have successfully and financially achieved or can achieve for which you dreamt of? Are you confident that your life is secured or on the right path financially? If your answer is 'Yes', then this article may not be written for you as time saved is money earned, so close the tab. For those, who are with us and their answer is ‘maybe” or “No” continue reading. We will tell you, how you can make fortunes and become rich by small savings every month. The simplest way to make a fortune and become rich is money management. Money management is an art in which all individuals needs to work on. The old saying “Money saved is Money earned” is a bit outdated, now a day’s “money saved and invested properly is money earned”. As an individual, you need to analyze your annual expenses, annual luxury, and opportunities available for multiplying your savings. A righ...