Please follow this link for interesting article on your personal finance planning. https://economictimes.indiatimes.com/wealth/plan/financial-planning-7-money-steps-new-earners-must-take/articleshow/70303360.cms?edition=898&utm_source=newsletter&utm_medium=email&utm_campaign=ETwealth ------------------------------------------------- For investments, contact:                Samarth Holdings Address: Office 201, 2nd Floor,                Trade Net Building,               Viman Nagar                Pune. Mobile:   +91- 8805111007 Email:     samarthholdings@aol.com -----------------------------------------------

Steve Jobs hired John Scully who in turn fired Jobs from his job. Jobs came back and how. Jobs had vision and conviction The markets may turn volatile. It may get topsy-turvy. You may collapse from great height. But 1) If you are educated in personal finance 2) If you have a vision 3) If you have the conviction 4) If you have the discipline 5) If you practise asset allocation Your wealth will rise like a phoenix and you will stay sturdy like the rock of Gibraltar.  ------------------------------------------------------- For investments contact: Samarth holdings Mobile: +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective own...

Once again Betaal was seeking out Vikram. It had been a while since he had run into him and the puzzle of “duration in debt fund investing” was giving him sleepless nights. But this was to change soon as he spotted Vikram walking in the forest. As usual he flew towards him and landed on him. Vikram smiled. He too was expecting to meet his ghost friend. Said Betaal, “Explain “duration” in debt funds. I need to know in your style.Tell me or I shall crush your skull into many pieces.” Vikram, never one to care about such empty threats kept smiling. However, Vikram loved the challenge of making concepts easy. “So here we go Betaal with your lesson for the day. Imagine you are allowed to set up a food stall. In one case you get a contract to set up the stall in the market for just two days at a time And in the second case you get to set up a stall for the entire year. Now tell me Betaal in which of the two cases you will you be able to forecast your sales better?” ...

'News' is nothing more than noise. The less one is exposed to it the better life around looks.   From an investing stand point, the more we expose ourselves to 'News', the higher the chances of making investing mistakes and blunders. News thrives on negativity ; negative images; negative stories; negative words.  The 'News' anchor invariably makes one believe that equity investing is suicidal because markets are a curse upon us. Unfortunately people spend a lot of time "listening" to 'News' and in a sense "News" has become the source of education. Therefore, I always say that people are not "uneducated in personal finance". They are in fact "wrongly educated". Therefore, for Financial Advisors the challenges are two fold.  First we have to make investors 'unlearn' and then we have to make them 'learn'. A lot of 'trash' accumulated over the years has to be ...

After every 2 months RBI (Reserve Bank Of India) has its monetary policy. In the monetary policy the RBI decides to either retain or cut the repo and reverse repo rates for the banks, depending on various factors like inflation, credit scenarios, liquidity etc. When the RBI cuts the repo rates, the banks also sub-sequently cuts their interest rates of loans (like home loan, personal loan, education loan, vehicle loans etc) thus they become cheaper to avail for the general public. Hence it sort of boosts the economy. But to stay in business, banks also cut the interest rates of fixed deposits and saving accounts. Interest rates on saving and FD's has fallen from 12% per annum to 7.25% per annum on an average. Today if you think depositing your funds in FD's, the post tax and inflation adjusted returns are nothing but peanuts. Various debt funds prove to be effective asset class in this scenario. They have out performed FD as asset class by giving 8.50% to as high as 12% per...

Investments made in fixed deposits and various govt. bonds or even idle money lying in savings accounts are of no use, because the post-tax returns can hardly beat inflation. For a simple explanation of inflation, consider the following example: If today (this year) 1kg of apple cost Rs.100/- and if inflation is at 5%, then next year 1kg of apple will cost you Rs.105/-. So always consider inflation adjusted post tax returns while investing. For investments contact: Samarth Holdings : +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective owners and if they object to our using them, we shall immediately remove the same.

Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective owners and if they object to our using them, we shall immediately remove the same.