Avoiding Risk now can lead to Risk in Future!


Hello Everyone!

It is the natural tendency of humans to avoid Risks, isn’t it? And when it comes to Investments, we want best returns with least possible Risks! Unfortunately, the concept goes like…Higher the Risks, Higher the Returns!

Most of Indians still cling onto the traditional modes of Investment like Bank Fixed Deposits & Post Office Schemes wherein their capital is safe….but aren’t they missing out on the potential returns?!

Yes, they definitely are! They are stuck into a series of low guaranteed returns…They are avoiding Risks right now…but that can lead to Risk in the Future…How..???

Let us see…

  • Series of Low Returns

A decade ago, the Debt Options like Bank Fixed Deposits were paying 10% – 11% Interest Rate.  Right now, the Interest Rates have been cut down to 5% – 6%…how much do you think you are earning? You are losing out on potential gains which other Investment Options like Equity is offering.

  • Inflation is higher than the Interest Rates

The current Inflation rate is standing at 5.59%. The Inflation Rate of Interest in June was soaring high at 6.26%….which was more than the Bank FD Rates! Hence, you end up earning Negative Returns!

  • Risk of outliving your Money

As mentioned earlier, Inflation is a silent killer. In order to beat Inflation, you need to earn higher returns. The Value of money is decreasing day by day & hence the Risk of outliving your money is increasing.

  • Risk is in both – Debt and Equity

Equity is considered to be Risky while the Debt Options are considered to be safe. But the recent events like….Shutting down of Banks, Commercial Papers being defaulted, winding up of Franklin’s 6 Debt Schemes depict that even Debt is risky. The people who invested their money here were avoiding volatility but they landed up in a bigger fiasco!

In conclusion, Risk is everywhere…you try to save yourself from one Risk you end up falling prey to another trap or Risk! So what is the Solution? The best way is to understand the Risk, analyzing your Risk appetite & being ready to manage the Risks in a better way!

More Later…

Mistakes that people make which destroys their Finances in the long run!


Hello Everyone!

One can never have a perfect Life…but it depends upon us to lead a life without any regrets. When it comes to your Finances, you need to avoid these common mistakes which blow a hole in your pocket in the long run.

  1. Impulsive Spending due to Peer Pressure

My friend has purchased a new Mobile recently…even I need to purchase the same model. My cousin is going to the US for the vacation…even we need to go! Indulging in peer pressure & making choices that could hurt your Finances is a pretty common mistake! We forget what we need, all we care about is winning the Rat Race, isn’t it? Make sure that you spend on what you actually want & not to please others! No one is going to fund your Retirement your Financial Goals, hence don’t indulge into overdoing things!

  • Over Use of Plastic Money

Credit Cards – a Boon or Bane? Well, you use it in limit it proves to be a boon whereas if used in excess it can prove to be a disaster! Shuffling of Credit Cards can lead you to a debt trap!

  • Getting attracted to hefty Offers & Discounts

Here comes….Amazon Great India Festival Offer! These are company marketing gimmicks…wherein they hike the product price & provide discounts. We often get carried away by looking at these attractive deals & offers & end up buying unwanted things!

  • Relying on other people’s opinion

My friend bought XYZ Stock even I must buy it. Stop relying on other people’s opinions. Do your own research or hire a professional for the same. You cannot copy anyone else’s financial decisions.

  • Not saving & investing in the early years of your Career

Early years of your Career are the golden years. You start earning & start building your life. In the initial years, you can save & invest more since there are comparatively less responsibilities on you. Starting to invest early can create wonders…Compounding can create Wealth!

Wealth Creation is all about becoming honest with yourself…knowing what you want, embracing your mistakes, making fresh commitments & working towards achieving it!

More Later…

The winning Streak of the Bulls!


These are quite uncertain times, everyone’s going through a hard time which we had never even predicted of. But amidst rising Covid-19 Cases, Lockdown, Losses in Businesses, shutting down of various Businesses, weakening of the Economy…what is a positive thing?

The Markets over the globe have turned volatile in the last 1 year due to the Pandemic. Well, talking about the Indian Stock Market…it is surely volatile but the Market is still holding up high, right? About 3 months ago, in February 2021, the Sensex surged up to a whopping 50,000 points thereby creating History!

About 1 year ago, the Economies worldwide had collapsed when the Covid – 19 Pandemic hit the Globe. The Indian Stock Market Indices stooped to its lowest from last 3 years in 2020.

Since the last year, the world has changed, thereby transforming our lives, our Economies & the fortune of our Businesses!

But isn’t it a thing to think about that the Sensex has literally doubled from 25,000 to 50,000 in last 1 year. It is a great milestone that the Indian Markets have achieved…right?

The history repeats itself…

Whenever the Markets have taken a dip they have emerged out to be stronger than before touching new highs. For a long term Investor, the Short Term Corrections don’t matter!

Still the question remains…why are the Stock Market indices soaring high when the Economy is so fragile at this point of time…???

Well, for starters the Pandemic has affected the small businesses immensely…which are essential for the real economy but have not affected the Equity Markets as such!

The Stock Markets are forward looking, thereby spreading a wave of optimism around the country. The news of Vaccines & better survival rate are acting as boosters for the Economy. A more convincing explanation towards the rise is the decreasing Interest Rates. There are petty chances of the Bank Rates rising in the near future. Thus, the other Investment Avenues like Equity are driven upward.

During this period, India has seen lot of Inflows from Foreign Investors. This shows the potential of India & how keen the foreign Investors are to invest in India. Thus, this depicts optimism.

Moreover, the Markets have seen lot of new retail Investors in last 1 year who are entering the Stock Markets directly or through Mutual Fund SIP Route. According to the AMFI Data, Mutual Funds added more than 81 Lakhs Investor Accounts in 2020 – 2021. Particularly Millennials have recognized the importance of Savings & have learnt a lifelong lesson of saving for the rainy day. Some people had their surplus to invest since there was no spending on the fancy things while others tried their luck through trading in Stock Markets. Thus, the overall participation of Retail Investors has considerably increased.

The Market is soaring high but if you are still worried about the Market Corrections…here are a few points to keep in mind & then take a call accordingly…

  1. Check the tenure left for achieving your Goal

If you are nearing your Horizon for achieving your Goal…you can shift your funds from the high volatility Equity Funds to less volatile Short Term Funds. By doing this, you can preserve the accumulated growth of your Investments.

  • Continue your SIP

It is always wise to invest into Mutual Funds through Systematic Investment Plan route. By investing through SIP route you make sure that your Funds are less exposed to Market Volatility.  You can reap the benefits of Rupee – Cost Averaging.

  • New Emerging Sectors

From last 1 year we can clearly see that Technology & Pharma Sectors have emerged as two Strong Sectors on the frontline. However, investing in Sectoral or Thematic Funds comes with its own share of Risks but it is worth giving a try.

  • Encash the Opportunities

It is rightly said by Warren Buffet…“It is wise for Investors to be fearful when others are greedy & greedy when others are fearful.” In 2020, the Markets had a sharp fall, there was a free fall in the Stock Prices. For an aggressive Investor that would have been a big opportunity. It was like going on a Stock shopping spree with discounted rates. Today, the same stocks have nearly doubled or even quadrupled!

  To conclude with, beating all odds the Indian Stock Markets have always been on a winning streak and are expected to continue their optimistic rally in the coming years too!

This Holi, splash some colours in your Finances!


One of the most awaited festival of the year, Holi is just around the corner! This festival reminds of liveliness & cheerfulness through its beautiful colours. One of the many things that makes this happiness long lasting is your Financial Well Being.

Therefore, let us hold onto Holi & take inspirations to make our Financial Health better…

  • Clear Bad Debts & Clutter

Lighting a Bonfire on Holi is to signify victory of good over evil. Make it a point to bring that spirit in managing your Finances as well! It is surely not a one day process. Start taking stock of your Debts & make a plan to clear them off. Have a look at your Investments, exit from the ones which are not doing well. Get rid of the Investments which are pulling your overall Investment Portfolio down!

  • Diversifying your Assets like Colours

Holi is a festival of different colours…similarly, different investment assets come with different risk exposure & return potential. Thus, diversify your Assets over different Investment Avenues.

  • Play it safe to avoid Risks

Play Safe & Stay Safe Holi….similarly, invest in the products which you know about. If not, then take assistance of a Financial Planner who can guide you to achieve your Financial Goals. Thus, get a clear picture before putting your hard earned money in any Investments.

  • Celebrate it your Way

The festival of Holi surely brings joy & happiness on everyone’s face. Some may like to play it with colurs, while some may like to sit back, relax & spend time with their families. Similarly, plan your investments in a way that is appropriate for you. Choose your Investments based on your Goals, Time Horizon & Risk Appetite.

  • Relish the sweetness of your Efforts

Holi is not just about the colurs but also about mouth watering delicacies which you need to prepare in advance for! Same way, give some time to your Investments to bloom & shine. They will best results if you give them time! Be patient with your Investments to deliver results. Wealth Creation is something that take time!

  • Revisit your Finances

Holi is all about getting together with your lost friends & relatives. It is about spending time wth your loved ones. You must review your Portfolio & tweak it a bit wherever required to make a better long term financial standing!

Enjoy Holi in all its glory & let us welcome the new Financial Year with open arms. We wish that your Finances give you the same joy as the colours of Holi.

Happy Holi!

More Later…

Money Milestones to achieve before you turn 30!


Hello Everyone!

The Millennials are pushing 30 & turning 30 is surely a significant milestone of your life! After the carefree early 20s when you get your first job, when you actually start earning…you start taking your life a little seriously…isn’t it?

This is the time when you have responsibilities of yourself & your family too! You have a spouse, kids & ageing parents. Well, with all these responsibilities, you need to be at the top of your Money Game!

Here are some Financial Milestones you need to achieve before you turn 30:

  • Be Financially Independent

By the age of 30, you should be able to take care of your Expenses & not depend on your parents. The most important thing is that you need to start establishing yourself & take care of yourself!

  • Maintain a good Credit History

It is very easy to get Credit these days & it is easier to get exploited to get caught into a Debt Trap due to this Credit. Do not solely depend on Credit as it will create a hole in your pocket in the long run. It may hurt your Finances in the long run if you pile up Debt in the initial years of your adulthood.

  • Kick start your Retirement Savings

Start saving for your Retirement the day you get your first pay cheque. In order to maintain the same standard of living after retirement, you must start investing from an early stage. Be an early bird & secure your Retirement Life!

  • Start Investing

Saving is not enough to achieve your Financial Goals. Your idea of saving should be beyond your Savings Account. Investments are for wealthy people is a myth! Start investing your Surplus money in Mutual Funds via SIP route.

  • Be adequately insured

A part of being a responsible adult is to protect yourself & your family. Thus, make sure you & your family are adequately insured.

  • Keep tabs on your Money

Make it a point to prepare and follow a Monthly Budget to track your Income & Expenses. A Budget will give you a snapshot of your earnings & expenses. You can work on cutting down your Expenses if necessary.

It is natural to get overwhelmed by your Earnings & splurge your money…but it is wise to manage your money well to succeed!

More Later…

This Republic Day unlock your Financial Freedom!


Hello Everyone!

We often hear people saying that one should be financially free & independent. But how do we achieve it? A strong & concrete plan is required to achieve the Financial Freedom. So this Republic Day, let us check out some important points which will help you in achieving Financial Freedom!

  • Avoid living on Credit

Reckless & impulsive spending is the reality of almost all the individuals. This unwanted spending makes us live on Credit. We tend to make the utmost use of our Credit Cards…but mind it that excessive use of Credit can hurt your Finances in the long run. Thus, make sure that you cut down your unnecessary expenses & refrain from easy borrowings!

  • Have an Emergency Fund

The Covid-19 Pandemic has definitely taught us the importance of having an Emergency Fund. Life is full of ups & downs, thus it is important to have some liquidity in case of any unfortunate event.

  • Stability in Income

Striking a balance between your Income & Expense is important. In order to become financially independent, it is important that you are assured of being able to save consistently! Work towards the following habits:

  1. Increasing your Income
  2. Controlling impulsive Spending habits
  3. Start Saving regularly
  4. Invest to achieve your Goals
  • Investing regularly for achieving your Goals

Once your Emergency fund is stocked, you need to start investing for your Goals. The larger your Investment Portfolio, the closer you get towards achieving your Financial Freedom!

  • Commit & Review

In order to become financially independent, we need to fully commit to our plan! Have a written plan that can be reviewed. Make sure that your Goals are on track.

Keep yourself focused on achieving the ultimate goal of becoming financially independent!


More later…

Sensex creates history at 50,000!


Hello Everyone!

Today, the BSE Sensex has reached a new high. It is indeed a proud moment for all the Investors to witness the Market touching historical high of 50,000 points!

This year was no less than a roller coaster…isn’t it?

From hitting 3 year low of 25,639 to jumping on all time high of 50,000 amid the outbreak of Covid-19 Pandemic…the Sensex has given us all new hopes of better days awaiting ahead!

The Stock Market had a historical journey of huge volatility, fear & unpredictability. The Covid-19 Pandemic posed as a big threat to all the  Economies of the World.

The history has repeated itself…whenever the Market has taken a dip down, it has bounced back touching new highs. The Sensex journey in the last year has been quite remarkable…let us check out the factors that contributed.

  • Vaccines for Covid 19

The Investors’ sentiments have turned positive when the spread of covid cases have come under control. The Unlocks have boosted hopes of faster economic recovery. The Vaccination drive has boosted the Investors’ morale.

  • Foreign Investors

Increase in Foreign Investors have been one of the major reason for the Market rally in India.

  • Increase in Retail Investors

Last few months, many individuals are entering the Stock Market via Mutual Funds. Thus, this increase in the number of Investors has also boosted up the Market.

  • Positive Global Markets

The Global Markets have remained positive so far as Joe Biden took charge of the world’s largest economy.

  • Positive Quarter 3 Earnings

Corporate Earnings for the October – December Quarter has been quite encouraging inspite of the damage caused by the Pandemic. The earnings in this quarter have been positive & indicates recovery & better returns in the next quarter.

Afterall, we cannot time the Market, but according to the experts, investors are advised to hold onto their Investments…as this may be just the beginning towards achieving a larger milestone!

So let us have a bullish view & stay put in the Market!

More Later…

Check your Financial Well Being this Makar Sankranti!


Makar Sankranti is one of the most auspicious festivals celebrated with great zest across India. Like other festivals, Makar Sankranti has a lot of significance in our personal development & lessons to learn & implement!

Let us see some Financial Lessons that can be learnt from Makar Sankranti…

  • Check the Market Volatility

While flying kite, wind plays a crucial role in keeping the kite afloat in the sky. Too much wind can damage whereas too little wind can make it difficult in the sky to survive. Similarly, you need to keep a check on the Market Volatility. The Markets will crash & soar up high…but you need to stay calm & hold your Investments!

  • Personalised Asset Allocation

While flying kites, people are really choosy about the Manjha they use. Similarly, you must allocate your assets as per your Risk appetite & requirements. The personalized asset allocation will help to create your Investment Strategy & help you reach your goals faster.

  • Choose the right Investment Avenue

Proper direction is important in kite flying. Likewise, saving & investing in the right direction…in proper investment avenues is important. Invest your hard earned money in productive investment avenues according to your Risk Profile & Time Horizon.

  • Review your Plan periodically

One keeps an eye on his kite for any threats that will cut your kite. Thus, periodic reviewing of your portfolio is required to ensure that you are still on track & can alter things if needed.

  • Take Professional help

We often see people where one is flying the kite & other one is holding the Firki. Even though one person is capable of managing both, it becomes easier to fly a kite with a companion by your side. Similarly, having a Financial Professional by your side can help you in your Finances.

Happy Makar Sankranti!

More Later…

This Diwali enlighten your Finances!


Diwali is just around the corner…which means shopping, celebrations, gifts & spending lavishly!

Well, Diwali is THE FESTIVAL of the year & we end up spending a fortune on gifts, clothes, gadgets & so on. But when you look at it practically, such unplanned spending can hurt your Finances.

On Diwali, we worship Goddess Lakshmi to bring Wealth & Prosperity. Similarly, it is important to take care & nurture the Wealth we have!

Invest in different Financial Avenues

We often buy Gold during Diwali considering it auspicious…but how about investing that money in other Financial Avenues instead of Gold for the long run? The long term options like Equity & Mutual Funds can generate higher returns which can help you to build your Wealth for your future.

Don’t make Impulsive Purchases

When Festivals are round the corner…all the Online Shopping Sites come up with their Offers & great deals. The problem is we end up buying the things which we don’t need. We are tempted to buy those things looking at the Offers & Discounts. Make sure that you check the prices of the products thoroughly before spending your hard earned money!

Take a step ahead

We all consider Diwali days as most auspicious days to start something new. If you aren’t saving or investing till now, then start it. If you are investing then increase your investments by some amount. You can start Systematic Investment Plans for meeting your Future Financial Goals.

Clean your Finances

Diwali is the time when Indian mothers make sure that our houses are cleaned…similarly you need to clean your Finances too. We often have fragmented Investments made at different point of times. Segregate your Investments & align it together.

Buy adequate Insurance

Insurance is must these days. Most of us have Insurance Cover…but is it adequate? While buying Insurance, consider the factors like living Expenses of the present & future. Check whether your family will be taken care after you!

Be a little more concerned & attentive when it comes to your Finances. Spend some more time to get your Finances in order! Thus, enlighten your Finances during the festival of lights!

Wish you & your family a very happy & prosperous Diwali!

More Later…

The 9 Financial Lessons to learn this Navratri!


India is a land of different cultures, various festivals & celebrations… And here we are, celebrating Navratri! The enthusiasm to celebrate these 9 Nights is great throughout the country. We Indians have a habit of doing a good thing on auspicious occasions. Navratri is indeed an auspicious period to boost up your Finances.

Here are 9 Financial Lessons that you can adapt this Navratri…

  • Be Disciplined

Discipline is important in all the aspects of your Life. Similarly, it is important that you handle your Finances in a disciplined manner. Handle your hard earned money with care & nurture it well so that it can grow.

  • Respect your Money

Treat your Money with respect. Do not take your Salary / Income for granted. After all, we believe that money means Goddess Lakshmi & we cannot disrespect her.

  • Plan your Expenses

Navratri is often known as a perfect time for new beginnings. Take control of your Finances & begin by planning your expenses in advance.

  • Improve your Financial Knowledge

We worship our Work Tools & Books on Dusshera. Similarly, devote some time to improve your Financial Knowledge. Do some research & understand the different Investment Avenues & analyse the best suitable option.

  • Plan your future

It is crucial to understand the difference between your Needs, Wants & Desires. You need to set aside some money for the future. It is not just saving but investing!

  • Reduce your debts

Every individual seeks some kind of debt at some or the other point of time. But repaying the debt is equally important. Too many debts can hurt your finances in the long run. Thus, plan your debts accordingly.

  • Increase your Credit Score

Credit Score reflects your creditworthiness. A low credit score can hinder you creditworthiness. Make sure that you don’t use your Credit Card impulsively. Maintain a good Credit Score.

  • Invest in yourself

You should focus on your inner power & invest in yourself. Take efforts at improving your skills & knowledge. Look for better career prospects. Secure your retirement or get a proper insurance for yourself & your family.

  • Make your Money work for you

Make your money work for you by diversifying it across various Financial Avenues. Plant your money today so it can take care of you tomorrow!

Thus, start a new journey with focus & discipline to brighten your Finances!

More Later…