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Financial Planning
Most people are afraid to dream. Most compromise because they underestimate what they can achieve in the long-term. Put an end to this right away.
"If you fail to plan, you are planning to fail." -Benjamin Franklin
Do you know how much money you need for each of your goals, by when and what is the investment you need to make in debt and equity to achieve it?
No. How do I find the answers and make a plan?
Having all your financials in one place helps you make right decisions
Put your Financial House in order
Set your Goals
Make a Investment Plan
"You are never given a dream without also being given the power to make it true. You may have to work for it,
however."
- Richard Bach author with more than 60m books sold
"If you fail to plan, you are planning to fail."
-Benjamin Franklin one of the Founding Fathers of the United States.
A plan must tell you how much money is required for each goal, by when and the investment in equity and debt you need to make to achieve them.
"Let your Financial Goals guide your Investments; not your fears nor your obsession for high returns and you will find that even with moderate returns you can reach your goals"
The next steps are all about investing sensibly and making your money work harder for you, safely.
Create your Financial Plan… in less than 30 mins Watch How
Success in equity investing requires conviction to stay invested especially when the market is volatile. However, you cannot buy or borrow conviction; you need to build it.
Moneyworks4Me through unmatched transparency in sharing of knowledge, information, analysis, and insights builds investor conviction.
Our goal is to partner our clients through a lifetime to reach their goal of financial freedom.
Recently started working in a well-paying job. Lives with his parents. Plans for his Wedding, Car, House and more.
Has worked as a consultant for almost 10 years now, while his wife, Rohini, works in a bank. They have a 5 year old son Rewansh.
Most people don't know what they want in their life, want to own, to achieve, to do, to become before they die, kick the bucket.
The benefits of having a financial plan include:-
The key steps involved in planning for your retirement are:
Estimating the post retirement expenses correctly is important in retirement planning. For most people retiring usually means after attaining the usual retirement age around 60 years. Usually by this time you are an empty nest because your children would have grown up and become financially independent. This makes it easy to estimate your expense post retirement which is usually the expenses of your spouse/partner and yourself.
So take your current expenses and remove those that you are not going to incur post retirement, usually bring up your children expenses, travelling to work etc. This will increase at the rate of inflation over the time period till you retire.
You would need to plan for other big ticket goals like children higher education and marriage, and other expenses separately.
You would need to plan for other big ticket goals like children higher education and marriage, and other expenses separately just like regular retirement.
Here are a few guidelines to ensure success:
Debt related investments: To avoid any uncertainty and rude surprises ensure you invest the debt portion in very safe assets e.g. FD in the best/largest bank even if the interest rates are not the highest. This will give you stability and security at a portfolio level, enough to handle the volatility of your equity investments
Equity investments: For the equity portion you would require expert help and guidance as it is more complicated and dynamic. Make sure you can trust the source of advice and its best to use one that is transparent and without conflict of interest i.e. they charge fees to you but don't earn any commissions and brokerage from your investments. This ensures you get advice that is 100% in your interest. Use a SEBI Registered Investment Adviser if your current surplus is already large.
Invest in high quality company stocks and look for reasonable prices for your direct stock portfolio . Complement this with safe mutual funds. Use Automation like having an SIP to ensure your monthly investments happen without fail.
Once you have a plan you will need to make the right investments especially in equity and then manage it over time and the market movements that are always present. Over the years, since 2009, Moneworks4me has provided unmatched transparency, great quality and unbiased research, to customers and users. Moneyworks4Me has investment solutions that will suit your portfolio size and your needs.
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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