Wondering how to give wings to your dreams? Seems like an impossible task? Not really. Dive into these top picks and watch the answers unfold. It’s as simple as planning a meal.
As Indians, we take our financial responsibilities very seriously. Most of us have financial goals that include owning a home, paying for our children’s education and wedding, and taking care of our family and dependents. However, to build a comprehensive financial plan, we also need to allocate funds for our own retirement years. 
4min read

Women’s empowerment is truly achieved only when you get a firm hold of your finances. This will give you confidence and the freedom to live life on your own terms. Financial independence isn’t necessarily about being employed or having a regular income - only your investments can enable you to achieve true financial freedom.
Here are 5 tips to help you achieve financial independence:
3min read

Do you remember having a study plan as a student? Usually, the more diligent students always had a plan and knew what they would be studying in the coming week or month. That’s how they managed to stay ahead – and the same is true of financial planning. 
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In the beginning years of your career, you may be eager to invest in mutual funds and other revenue-generating assets to beat inflation and save for the future. Of course, investing money is important, because it helps you build a secure future by generating good returns over time. But are you ready for it?
Here are four signs that you’re ready to start investing:
3min read

Your 20s are an age of fun and carefree abandon, but they’re also a period when you begin your career and lay the foundation of your financial future. The earlier you start planning and investing for the future, the better you’ll do – and this is a great time to start saving in order to accumulate a healthy corpus over time and set yourself up for financial security. Wondering where to start your financial planning journey? Here are some money tips for your 20s:
10min read

The key to a prosperous life is financial planning for retirement and other short- and long- term goals. Once you have taken care of your regular expenses, set aside some funds for contingency and insurance, you may start investing for achieving your future financial goals. You must have noticed people planning investments through SIPs: So, what is a systematic investment plan (SIP) and why do you need it? 
5min read

Whenever you watch mutual fund advertisements on television, at the end, they show a disclaimer that says “Mutual Fund investments are subject to market risks, read all scheme related documents carefully.”
5min read


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Want to understand how “finally” to get started? Absorb this pool of knowledge to get a head start.
How to Save for Higher Educational to Advance your Career
It’s important to invest in your career and give yourself the skills you need to succeed. If you’re eyeing a new qualification to give yourself the edge, financial planning can help you achieve it.
May 2023
5min read

ELSS: A Powerful Tax-Saving Instrument
ELSS (Equity-Linked Savings Schemes) are equity-oriented schemes offered by mutual fund houses and managed by experienced fund managers. These open-ended schemes come with a lock-in period of three years. Equity-linked assets generally account for at least 90-95% of their portfolio. The rest of the portfolio can be made up of debt and money market securities.
Since ELSS comes under Section 80C of the Income Tax Act, 1961, investors can avail of tax benefits for up to Rs. 1.5 lakh. Thus, anyone who falls in the highest tax bracket can save up to Rs. 46,000* per year on taxes.
Apr 2023
5min read

Why debt funds might be right for you
Mutual funds offer products to meet any life goal based on your risk appetite. Risk-averse investors have the option to invest in Debt Funds, which carry relatively low risk.

Mar 2023
5min read

Advantages of SIP in Personal Investment
A Systematic Investment Plan, more popularly known as SIP, is a facility offered by mutual funds to investors to invest in a disciplined manner. SIPs are growing popular among Indian investors as a favoured method to invest in equity markets.
Jan 2023
4min read

Integrating your financial goals into your lifestyle
Managing your finances is one of the most important steps towards achieving your life goals. But financial objectives are different for different people. Some want to save for the future, others want to save money for a dream trip. Whatever the objective, everyone should set practical financial goals for better lifestyle management, and begin focused saving, spending, earning and investing to achieve their dreams.
Nov 2022
6min read

How Much Should You Save Before Investing In Mutual Funds?
Mutual funds are very popular among young investors. They have the potential for good returns, are liquid, are professionally managed, and moreover, they are an affordable way to grow one’s wealth.
Sep 2022
3min read

How to Choose the Right Insurance Plan for You
The first step in investment planning is determining your specific financial goals and needs. This sets the foundation for your plan and defines the tools you may want to consider. Insurance is one of the most important elements to finalise when you begin financial planning. Your financial goals will help you define the different variables for your insurance needs, such as the desired amount at maturity; the specific purpose for which you are considering insurance; and the age until which you require insurance cover.
Jul 2022
5min read


Whether it is protecting your life as you plan for the future or taking the first step to make your wealth grow, understand what works for you.
Household Budgeting
An easy and smart guide to managing your household expenses effectively
Your mid-20s are a defining phase of your life, and it’s important to consider the financial implications of each move you make. Financial planning for young adults is essential, and one of the most consequential decisions is starting a family. If you’re contemplating this decision, you’re someone who needs financial planning. Raising a child may require as much as Rs. 2 crore1, when you add up all the expenses such as education, healthcare, etc., from the day they are born to the day they become financially independent. Therefore, this emotional decision requires a long-term investment plan.
6min read

The 50-30-20 budgeting rule encourages allocating 20% of income to savings, 50% to vital and necessary spending, and 30% to expenses for wants & leisure.
4min read

The global coronavirus pandemic of 2020 has been an eye-opener for many. It has taught us a lot about life’s unpredictability, as also the importance of saving money and making prudent investments. It has arguably made us smarter investors and prepared us for future emergencies, medical or otherwise.
5min read

There is something about women that often gets under appreciated – ability to smartly juggle between work and family.
9min read

How to Prepare Financially for moving to a New City. If you're intending to relocate to a new place to advance in your career, it's critical that you have a firm handle on your financial condition. 
2min read

The working woman today wears many hats. She may have to juggle her work, look after the family, and also run her household. With so many demands on her time, it can be difficult to track and manage household expenses. If this sounds like your predicament, here are some useful tips to help you stay on top of your expenses:
3min read

Household budgeting involves a substantial personal finance planning process. Through planning, one can live a comfortable lifestyle, ensure savings and investments, and wealth creation - in other words, enjoy financial planning benefits. Here are some tips to show you how to deal with unexpected expenses, manage daily expenses, and ensure savings.
3min read

Shield yourself and your loved ones with robust insurance planning
Few investments provide assured returns – most carry at least some degree of risk. Sound financial planning is the key to securing a reliable return on your investments.
Today, there are many ways of managing your personal finances. These include investing in stocks, bonds, mutual funds, insurance and tax-saving funds. Proper investment planning involves understanding which plan you should opt for, the ideal amount to invest, and how to secure these investments.
Life insurance is one way of protecting yourself and your family from uncertainty. It comes under the umbrella of saving plans that also include fixed deposits and health insurance, which offer guaranteed returns in the form of interest. However, investment planning is about more than just buying insurance, and the most important area to explore is mutual funds.
5min read

Inflation is the term given to an increase in prices over time. Inflation can eat into your savings and investments, so it’s important to stay a step ahead of it to optimise your financial planning. Here are five ways you can beat inflation:
4min read

Insurance Ombudsman: Everything You Need to Know! An ombudsman acts as a mediator and arrives at a fair recommendation/settlement based on the facts of a dispute.
3min read

Here’s why you should opt for a Comprehensive plan instead of a Third Party Insurance.
4min read

Know the process by which mutual fund units can be transferred to beneficiaries on the demise of the unit holder.
5min read

In 2020, the Life Insurance Corporation of India issued 21.9 million individual policies, which is just 1.5% out of a population of 1.38 billion people1. Overall India’s life insurance penetration stood at 3.2% as of 20202. A large number of Indians still don’t have insurance, and are missing out on a vital source of protection against emergencies and contingencies.
4min read

So you have decided to begin your financial investment journey - that’s a great start! But how prepared are you for it? Do you know what can help smoothen the road ahead? Before you start investing, here are a few things you need to look into first. After all, investing is simply one component of the entire financial planning process.
4min read

Save & Invest
Save and invest for your secure future
That Goa trip with your friends, that Leh-Ladakh bike trip, the Northern Lights you’ve been longing to see – they’re all within your reach. All you need to do is start your financial planning today so you have money to achieve them. The first step towards your dream vacation could be investing in mutual funds.
Mutual funds are essentially an investment tool that pools money from a large number of investors and invests that corpus into different asset classes, depending on the type of the scheme – global equity shares, Indian equities, blue-chip companies, debt, bonds, gold, commodities etc. The primary benefit of mutual funds is that it gives investors the benefit of fund managers’ expertise, and is thus especially valuable for novice investors.

5min read

If your goal planning includes travelling while you are still young, it’s important to do some proper financial planning. Your motto should be ‘earn, save and invest till you reach your goal of travelling’.
Here are four essential steps to help you achieve your travel goals:

3min read

Higher education can ignite your career, help you start a venture of your own and enhance your knowledge. However, to attend the best institutions for higher studies, you need a substantial amount of money. Given the rising cost of education, you might wonder, should you take a loan to finance your higher studies?
5min read

Mutual fund schemes are quite popular among investors because they offer professional fund management, a diversified portfolio and the potential for earning better risk-adjusted return to beat inflation. The icing on the cake is that mutual fund schemes can also help you save taxes.
Here are 4 ways you can save taxes with mutual funds:
3min read

Life is a rollercoaster, and most big life events have significant financial implications – so it’s important to be prepared. Maybe you can’t foresee everything, but these are the eight big life events you should definitely consider when making a financial plan.
4min read

When it comes to investment, diversification is important. The more diversified your portfolio, the more scope you have to earn healthy returns and mitigate risk. Global mutual fund schemes are one of the most effective ways to diversify your portfolio. Let’s take a look at some of the major benefits of global or international mutual fund schemes for investors:
4min read

The first thing you'll probably ask yourself when you're ready to buy a house is, "How much can I afford?" To answer this question, you must consider specific financial planning criteria.
5min read


In PGIM India podcast series, we bring you insights on money management and personal finance to help you make smart investment decisions


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