PF Alone Won’t Be Enough. ‘Start Early’ to Save ‘More’ for Retirement.

For the first several years of their career, most individuals do not give retirement the importance it deserves. And why would they? In their mid-20s, retirement for these young individuals is still 30+ years away. As a result, the only…

Financial Planning in the 30s sets Strong base for a Solid Financial Life later

In your 20s, life is actually not too burdened with responsibilities and other complexities that come later. You have started earning (well), have very few burdens and responsibilities and are full of energy. It's when you cross from the 20s…

Do HNIs (High Networth Individuals) need Financial Planning?

HNIs or High Networth Individuals are smart people. They have wealth. More importantly, they know how to make more money from their business and other income sources. But that’s not all. They also understand that they need to generate more…

Asset Allocation Quilt – No Asset Works Well Every Year. But…

Asset Allocation Quilt 2021 for Indian markets. I came across this interesting depiction of asset class performance chart in a tweet (link). Have a look at the below quilt and spend some time studying it. The table (or quilt) above…

Not Working for Money – Is it the Most Important Financial Goal?

I was thinking about financial goals and what is the most important one. I understand that different people will have different definitions of what's important or not. But if you think about it, isn’t the most important financial goal about…

How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?

You want to retire with Rs 5 crore in India. That’s a good solid goal to have in 2023. Till the 2000s, there was a common belief that Rs 1 crore would be enough to retire comfortably. But with inflation…