Blog

Financial recovery after major illness is about more than bills—it’s about regaining control with care and clarity. In the first weeks after treatment, money decisions carry emotional weight: income may […]

For those who have just hung up their boots after decades of service, retirement is supposed to be a reward. It’s a time for leisure, family, and personal pursuits. Yet, […]

Life can turn on a dime. A raise today, a setback the next — life keeps the score dynamic. That’s why your Financial Plan should be prepared for all possible […]

In an era where financial decisions can shape an individual’s life for decades, financial education is no longer optional—it’s essential. Financial Literacy for Teens is a vital component of preparing […]

Have you ever felt worried about money? Are your bills piling up? You’re not able to keep track of your family expenses? Are you not sure how to save and […]

Financial stress worsens when ignored. Realising the stress is crucial. For one family, the debt burden, unpredictable expenses, and a lack of clear financial direction seemed overwhelming. However, their journey […]

When you start investing, one of the fundamental decisions you need to make is whether to choose active vs passive investing. This decision can affect your portfolio growth, the time […]

Financial independence for women is more than just earning money—it’s about having control over financial decisions, securing a stable future, and living life on one’s terms. In India, while more […]

Investment planning for children is one of any parent’s most significant financial goals. Whether it’s funding their education, supporting their passions, or securing their future, a well-thought-out investment plan can […]

Do you ever wonder where your money disappears at the end of the month? Whether it’s saving for a trip, paying bills, or planning for the future, financial decisions can […]

Financial planning is all about living in the present and also planning for the future. Retirement planning is as much a psychological aspect as it is a financial one. When […]

Life is full of surprises, some good and some not-so-good. The not-so-good ones can really shake up your finances if you’re not prepared. That’s where an emergency fund comes into […]

With rising inflation, longer life expectancies, increasing education costs, and shooting healthcare needs, financial planning, and adequate investments have never been more important. This is especially true for Indians, as […]

Investing is one of the critical components of financial planning. It plays a crucial role in achieving short-term, medium-term, and long-term financial goals. However, investing is not a one-size-fits-all approach, […]

10 signs you need a Financial Adviser Finance and investing can be confusing subjects, with many different options and strategies to choose from. While some people have the knowledge and […]

Just as you go to a doctor when you fall ill or you go to a lawyer when you need legal guidance, you may engage a Financial Advisor if you […]

The plethora of information on personal finance available is great. But the information comes with so many challenges. It’s a fact that we’re bombarded with misleading figures, half-truths, and fabricated […]

The Supreme Court took a decision on 4th November 2022 to allow higher pensions to eligible employees under the Employees’ Pension Scheme, 1995 (EPS-95). Following this decision, many are concerned […]

Exchange Traded Funds (ETFs) are an investment fund that tracks the performance of a specific index. Just like stocks, one can trade ETFs on a stock exchange.  An ETF is […]

Just as the Covid-rattled world economy is setting out towards recovery and growth, Russia-Ukraine crisis is a dampener on us. This article is a general opinion on Mid 2022 investment […]

All of us save some part of our earnings and invest to achieve our time-bound financial goals. So, where do you invest your surplus? Broadly speaking, it depends upon your […]

Have you thought of retirement as a phase of your life? You must have got a sense of your ideal retirement age. You should have made certain plans based on […]

If you are planning to retire early, please accept that you’re not the only one. Are you inspired to retire early or is it just a vague desire? If you […]

Your friends and colleagues are supposedly enjoying their lives to the fullest – tripping frequently, buying expensive gadgets, booking properties, buying high-end cars, and what not! So many things are […]

We have come across many who are skeptical about when is the optimum time to formally start financial planning. The need to properly manage your personal finances is invariably imperative. […]

People are always searching for better career opportunities. Often, people get the opportunity to move abroad for career advancement. If you have found a suitable scope for yourself outside India, […]

Debt has become a huge component in family’s finances. Spending more money than you make is basically spending money you don’t have or money you are yet to earn. Borrowing irresponsibly and thereafter trying to come out […]

Investing is akin to gardening. Just like art and science are involved in gardening, investing requires decision-making and timely monitoring. You are sacrificing present consumption and investing your savings to […]

Recognising your goals, assigning target amounts to them and specifying the time periods to achieve your goals can have amazing results. Setting your goals, get you moving towards fulfilling them […]

Systematic Withdrawal Plan (SWP) is a facility offered by Mutual Funds which allows the investors to specify withdrawal amount, withdrawal frequency and the number of withdrawals subject to availability of […]

We all talk about various aspects of personal finance. But, personal finance can get a little confusing and overwhelming, especially if you are a beginner. Since we are not specifically […]

It is common in Indian culture to examine personal horoscopes of the girl and the boy before finalizing the marriage. Isn’t it also constructive to see what money values (behavior […]

To relate with investment portfolio diversification, we may draw the example of a fruit seller. Usually, a fruit seller is selling variety of fruits. The reasons are quite simple. Consumer […]

Our death is certain, but the time is uncertain. With death of bread earner, family’s income ceases but family expense doesn’t. The chief purpose of taking life insurance is to […]

Financial planning for salaried employees are always unique. No salaried employee can be fully prepared for job loss without having a comprehensive Financial Plan in place. The problem is most […]

Situations in life can change at the drop of a hat. Unforeseen circumstances often put us under pressure. Negative events not only challenge our mental well-being but also our financial […]

Where will we be in six months, a year and 10 years from now? Were we moving too fast by taking things for granted? With the onset of the pandemic, […]

Any choice is difficult because it also means sacrifice. Choosing something inherently means giving up something else. While taking any decision you have to be rational. But, do you know […]

Macro-economic factors and/or geopolitical matters influence financial markets. Common macroeconomic factors include gross domestic product (GDP), the rate of employment, the phases of the business cycle, the rate of inflation, the […]

The primary job of a licensed Financial Advisor is to professionally guide you in your personal financial aspects. Preferably, a licensed Financial Advisor is competent to write Financial Plan for […]

We invest some part of our hard-earned money with the objective to grow our money over time and help us achieve our financial goals – be it buying a house, […]

Medical profession was, is and will prevail to be a noble profession. It is a matter of immense pride and honor for anyone to be a successful doctor. As medical […]

Personal finance and personal financial goal setting are intertwined when it comes to financial planning. Personal financial goals in life are always unique; it depends on person to person. There […]

A salaried employee gets a fixed and regular income/compensation for the services he/she renders to an employer/organization. Financial planning for salaried employee is critical because the future and present requirements […]

You may raise one question, “Why financial planning for women in India is exclusively necessary?” or, “Are there any distinct aspects in financial planning for women in India?” Arguably, women […]

We are nearing end of April, 2020 and India is under complete nationwide lock-down due to coronavirus pandemic. As per experts, social distancing is the only way to arrest the […]

The basic purpose of life insurance is to create cash in case of sudden demise of a bread earner.  Unfortunately, planning of death benefit for potential dependents is often ignored. […]

Our apprehension of personal finance began with our piggy banks. Whenever our close relatives gave us money, we gingerly put it in the piggy banks with the wish to buy […]

Financial Plan for single parent is an essential guide in life’s journey. Divorce is calamitous on the person’s personal finances, especially living with dependent children. Emotional struggle during the divorce […]

In India due to lack of Social Security System, people need to take special care for retirement kitty to meet expenses after retirement. Immediately after retirement, a retiree (salaried/professional) will […]

When you want to construct a house, you approach an architect to create a plan before you start construction on the purchased land. Mostly, homeowners prefer to hire both architect […]

As a teenager you might have thought that life after retirement would be like a calm sea and there would be no struggle. Life is not fairly so simple. In […]

You may recognize how much you earn but you don’t count how you spend. This is the root cause of money mistakes Expense management sheet may sound good for you. […]

Both peace and happiness have been tagged as the most un-understood phenomenon in the world. Rather, everybody hopes to achieve happiness and chases the horizon. Happiness is a state of […]

Judicious Financial Plan implementation processes and review at regular intervals makes your journey towards financial freedom less disruptive. It’s the tendency of any human being to stick to one’s own […]

Being Certified Financial Planner in Kolkata, we have been seeing that family members experience intolerable pain during contingencies because of casual approach of family’s bread earner. Quite often, the bread […]

Hybrid Mutual Fund is a category of Mutual Fund that is represented by diversification among two or more asset classes. It can be a mixture of debt, equity, gold, real […]

A Mutual Fund is a type of financial vehicle made up of a pool of money collected from large number of investors to invest in securities such as stocks, bonds, money […]

A Mutual Fund is a type of financial vehicle made up of a pool of money collected from large number of investors to invest in securities such as stocks, bonds, money […]

A casual investor usually has less knowledge. He doesn’t follow calculated investment strategies. During business cycles, he’s the first ones to behave oppositely. Markowitz portfolio theory attempts to nail down […]

One can relate business cycle with ECG (Electrocardiogram). Flat line indicates that economy is dead. No business in the world economy has a flat trajectory. Businesses have periods of economic […]

Investment strategies are naturally linked to your Financial Plan. Investment covers wide range of activities (investment vehicles) like investing money in certificates of deposit, bonds, equity shares or mutual funds, […]

A personal financial budget/ family budget refers to allocating your income in a planned way towards the expenses like household, lifestyle, dependents, insurance premium, debt repayment, etc. The surplus is […]

Having a Financial Plan, reviewing and monitoring the Financial Plan are indispensable processes in prudently managing your personal finance. You can’t deny the relevance any more in current rapid socio-economic […]

Accomplishment of financial goals are one of the major fundamentals towards financial wellness. It is achievable if goals are S.M.A.R.T. We can say that nothing astounding will happen to you […]

Your financial freedom is disrupted once you are driven by emotions, i.e. anxiety, happiness, sadness, fear & greed. This happens when you follow your heart without allowing your mind to […]

“Retirement, a time to enjoy all the things you never had time to do when you worked.” – Catherine Pulsifer ➛ Have you ever thought about your post retirement life? […]

Before you leap to any financial decision, be it major or minor, you should always evaluate your cash flow. In simple terms, cash flow signifies your income (cash in) and […]

The Roys started their financial planning by setting goals and then investing towards them, putting them in a comfortable spot now. There are enough reports out there showing the higher […]

Dr Sujoy and Rupa Roychowdhury had to take some tough decisions to get their finances back in order. It is easy to lose track of finances, and a busy schedule […]

Financial decision making ability develops when you are financially literate. A genuine Certified Financial Planner will educate you and assist you in implementing action plans laid down in the Financial Plan. […]

The Akhtars are ready to do what it takes to put their finances in order Difficult times helped Dr Nasim Akhtar, a neurosurgeon based in Kolkata, sharpen his financial perspective. […]

While you retire it doesn’t mean that you are retiring from your life. It doesn’t mean that you don’t need regular income. The old saying is true, “Retirement is quite […]

Many investors randomly invest without following any particular Investment Plan. Investment Plan is a part of your Financial Plan. Investment Plan emphasizes on processes. It helps you to achieve your […]

Once we were asked by one of our doctor clients that his friend gets free of cost investment advice & financial plan from a distributor. We asked our client, “Being […]

Due to macroeconomic changes you’re exceptionally thinking to hire a professional for legitimate guidance. In the rapid economic changing scenario, you hardly get guaranteed rate of return on your investments. […]

We know about the physical, psychological & financial effects of an addiction. What about the family? Why and how will they face the financial crisis? “Your life is in your […]

I call this “Bare Bones Financial Strategy.” The reason behind my discussion is to emphasize the essential elements of the Financial Strategy related to own startup after quitting job. One […]

Why some of you are destined to be entrepreneurs? Why do you wish to quit job and start your own business? We come with solution through Startup Plan. The common […]

According to Uttam Kumar Sen, a certified financial planner, everybody should penny-pinch as it helps oneself to understand the worth of each penny and develop a sense of responsibility. “If […]

Uncertainty is possibility of an outcome, i.e. what you expect may or may not appear.   While we say future never resembles the past, we mean our future is uncertain. As […]

Tuhin and Tandra Paul took right steps to build their retirement corpus just in time to avoid the effects of inflation. Life after retirement is often not what one expects […]

Most pensioners believe in employment benefits which sounds good. But, in practice, it’s not defined benefit pension plan. If not understood, it’ll be an illusion. Pension income or Fixed Income […]

What is Personal Finance? Personal Finance construes all financial resolutions and implementations of resolutions of an individual or household which includes budgeting, insurance planning, mortgage planning, savings and retirement planning, […]

Asset allocation is like a rudder to balance one’s risk and investment portfolio return. An Investment Adviser tries to understand the risk profile of an investor, his investment time horizon […]

Chasing return on investment without knowing your subtle subjective issues of life is futile for your financial health. You have responsibilities and commitments towards your family. You know your aspirations […]

All investments are good. But while you ask whether it is good for you, my opinion would be that it depends on your risk profile, investment time horizon, objective of […]

Inflation and Income Tax is a matter of worry for all. You set financial goals you’re willing to reach for. Goals may be retirement, higher education & marriage, buying a […]