Posts

Tomorrow Never Comes

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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. The best way …

Decision Making in Current Financial Market Scenario

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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 14th 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 parameters for long term inflation adjus…

Money Management

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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 right product mix can enhance…

Risk Profiling & Financial Planning

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Risk Profiling & Financial Planning
Mr. Gurmeet and Mr. Rajesh are both working professionals. Gurmeet is a 28-year-old young individual and Mr. Rajesh is in his early 40’s.
Do they have the same risk profile?
The answer is NO. Let’s take another example, suppose both are of the same age with one being a salaried employee and other a businessman, again the same question “Do they have the same risk profile?”
The answer will still remain the same “NO “. Why?
Risk profiling before any investment is an immensely critical part. Many of us fail in assessing the risks involved with individuals and investment. A 28-year-old salaried professional will have different risk profiles compared to a 42-year-old salaried professional. Similarly, 28-year-old a businessman will have different risk profiles compared to a 28-year-old salaried professional. Their life’s financial goals are different, their risk appetite is different.
In today’s world, each individual has its own set of financial goals t…