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Planning a Sabbatical – 3 Tips to Keep in Mind

How to Plan Sabbatical

Taking time off from your hectic work schedule is a great way to rejuvenate, learn something new and regain your lost passion. That is why more and more people nowadays plan a sabbatical from their busy life. A sabbatical can last for few months to a year or two. The idea of deciding to take a sabbatical though exciting, is a bold step and requires proper planning. If you are also planning to take a sabbatical keep the following things in mind.

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December 28, 2018 Financial Planning 0 Read more >

Health Cover Zaroori Hai

health-insurance-zaroori-hai

When we have uninvited guests at home, everything goes for a toss, we cannot say no, but now comes the stress on money spent & mental peace.
Medical emergency is like above, always comes uninvited, and by far becomes the toughest challenge, an individual/ family will face. Such emergencies can sometimes lead to people falling in debt trap.
Why wait for a surprise? However, if you have a health cover, you need not worry about your savings going away and only focus on getting the best medical treatment.

Read the below mentioned points to understand why health cover is a must for everyone.

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December 26, 2018 Health Insurance 0 Read more >

Kitna Sahi Hai Mutual Fund

mutual-funds-kitna-sahi-hai

There are lots of choices when it comes to where to invest. Some may decide to play safe and invest in FDs while some are willing to take risk and invest in stocks. Recently one of the ad campaign that has caught everyone’s attention is the one that says `Mutual Fund Sahi Hai’. So is mutual fund really the right investment for you? Read on to know about various features of mutual funds and decide yourself.

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December 21, 2018 Mutual Funds 0 Read more >

Are You Ready For Mid-Life Surprises?

Are You Ready for Midlife-Crisis

As young adults most of us aim to earn more and more money while we can so that we can fulfill our dream of lounging in our vacation home (or any other dream that you may harbor) when we are older without any worries of the world. But things rarely go as planned. Life has a knack of showing us things we never expected. Let us look at some of the surprises that life might throw at us in our mid-life which might impact your financial plans, so that you are ready to face them head on.

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December 18, 2018 Financial Planning 0 Read more >

Seven wonders of SIP

seven-wonders-of-sip

When you receive your salary every month, just saving is not enough. That money has to be invested so that it can earn you more money. A Systematic Investment Plan (SIP) also called `the good EMI’ helps you do just that.

SIP is a method of investing a fixed sum, regularly, in a mutual fund scheme. It allows an investor to buy units regularly on a specific date of the month. If you invest through SIP it can work wonders for your financial goals.

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December 11, 2018 Mutual Funds 0 Read more >

Avoid last minute IT rush – Income Tax Proof Submission

tax-planning

The end of the financial year 2018-19 is fast approaching, and with that begins income tax woes 😉.

Most people keep the task of tax planning hanging till the end of the year. While doing so many of them get trapped in last minute investment ideas, which seems attractive, but actual calculation, they are not.

A proper tax planning can help you to minimize your tax liability with the help of productive investments.The income tax framework allows various deductions under different heads, which can be used to save tax, as well as link same to attractive returns. Some of the most popular heads are described below.

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December 3, 2018 Financial Planning 0 Read more >

Health Insurance – What I need to know?

health-insurance

Medical expense is one expense,which we hate to spend-on, but it is also an expense which we cannot escape. Medical expenses are rising every year,even the smallest of tests prescribed by doctors, make us cough-up, at least couple of thousand Rupees. The lifestyle which we lead and the environment we are living in is contributing largely to the ever increasing diseases. Yet India’s health insurance market remains highly unpenetrated.

Some of the key terms, which are usually not explained by the seller, or we overlook at the time of signing the policy are explained below. But one should carefully read all the terms, conditions and clauses related to the insurance, before one finalises on the preferred health plan.

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November 29, 2018 Health Insurance 0 Read more >

SIP or Time the Market?

Small is Powerful-SIP

The way market is behaving since last six months, most of us with running SIP’s, have this question, what to do next? Continue, Stop, Reduce or Increase SIP?

When we start an equity SIP, our calculation is based on the long term goal allocation & not the short term impact. Logic of SIP is based on two facts:

  1. Monthly Savings: where based on cash-flow, savings are parked in the allocated equity fund, else same will remain in the bank savings account (earning just 4/6%) till the time one decides, or best, will get consumed in some lifestyle purchase.
  2. Cost Averaging: idea is simple, no one can predict the market, therefore the best time-tested philosophy, is to make the best out of the market, i.e. to follow a disciplined approach on monthly investment, irrespective of the market movement (ups & downs of the market), and average out the cost, by buying at all levels.

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October 15, 2018 Mutual Funds 0 Read more >