READY TO DIG DEEPER?
Whether it is protecting your life as you plan for the future or being smart about your investments to make your money grow, understand what works for you.
SET HOUSEHOLD BUDGETS
An easy and smart guide to managing your household expenses effectively
Many of us dream of owning a car. But buying and maintaining your first car can be a daunting affair given the price rise, increase in interest rates, and fuel prices and other costs related to maintaining a car.
5min read
Flash sales are a rage around the world. Many major brands offer heavy discounts to lure customers to buy their products. Consumers have limited time to think. If they delay, chances are that the product may go out of shelf. In this mad rush, consumers can fail to distinguish between their ‘want’ and ‘need’.
3min read
An international degree could be a great launchpad for your career. It gives you global exposure and could help you land your dream job. If you’re eyeing a foreign education, you're probably someone who needs financial planning so that you can achieve your financial goals and be prepared for the expenses involved. This calls for a sound investing strategy, based on thorough knowledge of how financial planning works.
You can make your foreign education dream a reality by following these four key steps to build your financial corpus:
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Start saving money in your 20s, you’ll thank yourself in your 30s! Why should you save money?
4min read
Effective asset allocation aims to balance reward and risk by allocating investment funds into a variety of assets, according to an investor’s goals, time horizon and risk tolerance. Allocating assets to equities, fixed income, cash etc. each comes with its own level of risk, and unique characteristics that could change over time. Here are some factors to consider as you weigh your asset allocation decisions:
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Gen-Z: achieve financial freedom with savings, investments, insurance, emergency funds.
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Buying a car is always a momentous occasion. It is arguably the single most expensive purchase you may make, other than buying your house. It calls for a thorough evaluation of your finances and careful planning. But now, with the growing popularity and convenience of ride-hailing apps, the question arises - do you still need to buy a car, or could you just rent a cab wherever you need to go? We dive into the pros and cons of each decision:
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Financial security is an important goal and setting a budget and adhering to it can only help to attain this goal. Making a budget to maximise savings and optimising investment planning while managing your expenses and finances can be difficult but, it is the first step in accomplishing your short-term and long-term financial goals. The more efficiently you budget your expenses, the better your financial planning, and the closer you are to achieving your financial goals.
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Asset allocation is an essential part of investment planning. The aim is to diversify your investments in order to enable you to mitigate the risk posed by market volatility.
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A periodic check-up is the best way to keep track of your health – and the same goes for your finances. When it comes to managing physical health, we simply consult doctors and follow their advice. Financial health can be trickier. We don’t always know where to begin or whom to consult, and we end up neglecting it.
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ENSURE COMPLETE PROTECTION
Shield yourself and your loved ones with robust insurance planning
Borrowing money has never been easier thanks to the rise of fintech ecosystem. Digital lending platforms or instant loan apps that allow individuals to borrow money quickly and easily are among the byproducts of the confluence of finance and technology.
3min read
Gen Z have recently entered the workforce. However, in the midst of high spirits and bucket list, they can neglect to plan ahead. While splurging a bit is natural at this age, it is better to chalk out a goal in advance to deal with life exigencies.
3min read
Gone are the days when it was necessary to carry cash when you walked out of home. Now, all you need is your mobile phone. Whether you are buying milk, grocery or vegetables, Unified Payments Interface (UPI) payments are accepted almost everywhere.
4min read
A fast-paced lifestyle that includes unhealthy diet, prolonged working hours, longer travelling hours, irregular sleep cycle has increased lifestyle related ailments. All this can take a toll on your health and the rising medical costs can strain our finances. Further, the pandemic has made us all realize that a health hazard can strike any time.
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It’s been said that “life is what happens to you when you are busy making other plans”. In other words, life is unpredictable. Emergencies can come out of the blue and impose huge financial burdens. The pandemic has shown us that even the best-laid plans can be derailed by a sudden job loss or health crisis.
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Good financial habits, especially if developed early on in life, can offer considerable rewards in the future.
Let’s delve into 7 good financial habits you can build from today:
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As you grow older, your responsibilities will grow, and before you know it, you’ll have a family to support. That comes with its own set of financial obligations, from college funds and home loans to cars and vacations. But if the pandemic has taught us anything, it is to expect the unexpected – and insurance is a vital risk management tool to protect you from unforeseen crises. It is a critical part of any financial plan – so let’s find out why insurance is so important for your financial well-being.
5min read
SAVE & INVEST IN TOMORROW
Save and invest for your secure future
If you didn’t start investing when you earned your first salary, the best time to start could be now. If you’re still unsure about the benefits of investment planning, here are four factors that might help change your mind:
3min read
The ideal investment portfolio must balance risk and reward, with a mix of investment tools chosen according to the individual’s objectives, time horizon and risk appetite.
3min read
As a young investor with dreams and aspirations, this is the time of your life! You’ve probably got so many personal goals to achieve, whether it’s a new house, a new car or a bucket list vacation. For each of those dreams, you must have a plan beyond just savings – and Systematic Investment Plans (SIPs) are one of the best ways to get there.
5min read
Adhering to your financial plans is essential for financial security. If most of your expenses are unplanned, you may end up overspending. This could trigger a short-term crisis, as you run short of money to pay your bills. These crises hinder your progress towards your financial goals. Without a proper framework to manage cash flow, you may become susceptible to an endless cycle of credit card debt. You might even run out of money to pay insurance premiums, leaving you vulnerable in the face of life’s uncertainties.
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If you’ve always wanted to see the world, don’t let your finances hold you back. Start building a travel fund so you can backpack across Europe, enjoy an overwater villa in the Maldives, skydive in Dubai and more. Sound financial planning will make sure you have the money to enjoy your trips, and that you don’t have to worry about your finances when you’re back home.
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