Significance of Navratri in Financial Planning!


Hello Folks!

Are you all set for playing Garba for the next 9 days? Well, India is a multi cultural & colourful country. After Ganesh Chaturthi, here we are ready to welcome Goddess Durga. Navratri is another auspicious occasion worshiping nine incarnations of goddess Durga for nine days.

So here are few Financial Learnings from the significance of Navratri…

  1. Self Discipline

We celebrate the Nine days of Navratri with great joy, by fasting & giving up our favourite meals. This requires self discipline & self control to give upon your temptations. Similarly, Financial Planning can be effective only by making small sacrifices for your future’s security. Your Financial Goals can be thus achieved with discipline.

  1. Shubh Mahurat for Decision Making

We believe in God and his positive energies…! Don’t you think Festivals are the best time of the year to make a new beginning? Festivals are always a Shubh Mahurat for major decision making, especially the financial ones! Who knows…Investing during these times might prove lucky to you…!

  1. Get rid of Bad Decisions

Well, each & every festival has got its own significance & is celebrated for the victory of good over evil. Make a point to clean out the burden of bad debts. Cleaning your portfolio is a tough task, but you must do it at once if your bad debts are impacting you negatively. Study your Portfolio properly & take actions to get rid of your bad stocks immediately.

Make sure that you work for making your Financial Position better day by day!

Let us worship the three Goddesses…Goddess Durga to help overcome obstacles, Goddess Lakshmi for peace & prosperity & Goddess Saraswati to gain knowledge!

Wish you & your family a very Happy & Prosperous Navratri!  

More Later…





Changing Seasons…Adapting to changing Financial Times!


Hello Everyone!

We are in mid September now…time to say good bye to the monsoon! After a couple of months we will be enjoying the winter chills.

Some of you may like the summer, some may enjoy the rains while others love winter. But we cannot stick to one season…we cannot stop Seasons from coming & going!

Winter is cold, Summer is hot  while Monsoon is wet.

We cannot change the season but we surely can adapt & mould ourselves to face the Season. When Seasons change, we have to adapt to it. Similarly, we go through Seasons in our lives too!

So, when the Season of your Life changes, what do you do?

The Summer Season comes with a wave of relaxation. It is the time when you sit back & relax. It is this time when you actually enjoy yourself…redeem the points you have earned, reap the fruits of your whole year’s hardwork.

But after a certain time, you realize that Monsoon is not far…you can’t be on Vacation forever…you have to be prepared for the rainy day. The most crucial thing with the Summer Season is the Financial Year End & a fresh start of a New Year. Everyone needs to do a few things during this time…going through your Investments, rebalancing your Portfolio, adding onto your Portfolio & so on.

The Monsoon Season is the time to make sure that you are safe. Monsoon is sometimes pleasant while it turns out to be a disaster if it rains excess. You need to put everything right in place. Things are washed, flown away in the rains. Make sure that you swim towards the shore in case you feel you are flowing away. We have grown up hearing that we need to save for the Rainy Day. Make sure you have enough savings & investments for your Emergencies. It is mandatory that you create a separate fund for any calamity. Have a proper Insurance which suits your needs the best.

The Winter Season…India being a hot country, the cold of winter is a great relief for us. The mornings are sometimes very cold, but half an hour’s sunshine is enough to make us feel quite comfortable. Likewise, you may feel problems hovering around you but a glimpse of Sunshine is enough to show you the way out of it…! Times will come when your Investments may go down since they are subject to Market Risks…but the crunch is not forever! That is the reason it is said that you need to stay invested in Equity for a long time & then you see the desired results!

Remember, the seasons change whether we are ready or not. So why not adapt & change as the changing Seasons of our Life.  Life will be much more comfortable, manageable and enjoyable!

More Later…