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EDITORIAL PICKS TO HELP YOU PLAN FOR YOUR FUTURE

Taking a step back to take two steps forward. That’s some wisdom to pay heed to. As you grow, take a minute or two to evaluate and reevaluate priorities.
We all take inspiration from the past to shape our future. As we celebrate the 75th year of our country’s Independence, it gives us an opportunity to ponder over becoming financially free. 
3min read

Retirement planning is an important financial goal, given its long term nature. There may come times when you lose focus. Knowing the ways you can go wrong with your retirement plan, will only help you avoid them.
3min read

The fall and rise of interest rates always makes for news, leaving mixed outcome among savers and investors. Let’s first understand what is interest rate – interest is what you pay for borrowing money, and what banks pay you for saving money with them. 
4min read

At some point or the other, we all have heard of inflation and felt its impact, because inflation effectively shrinks the value of your money over time.
7min read

You must have seen countless advertisements for mutual funds with the disclaimer “Mutual fund investments are subject to market risks, read all scheme-related documents carefully.” The offer document and KIM (Key Information Memorandum) are two of these critical documents.
3min read

Buying a house will probably be one of the most important financial decisions you make in your lifetime. It requires a lot of planning to ensure that your other financial milestones do not suffer as you make your dream home a reality. To buy a house, you will probably need to take a home loan. While banks offer loans up to 80-90%¹ of the value of the home, around 10-20% of the money has to be paid up front by you in the form of a down payment. Here’s how you can go about saving money while planning to settle down in your dream home.
3min read

People generally start investing to get more out of their money, thinking mostly of the upside – but they don’t always account for the risks associated with their investments. Similarly, while the internet has many resources highlighting the ‘best performing assets/schemes' etc. there are far fewer sources alerting investors to the associated risks.
3min read


HOW TO GET STARTED

Want to understand how "finally" to get started? Absorb in the pool of knowledge to get a head start.
How To Plan For Retirement As A Single Woman
Research has shown that women have a longer life expectancy than men.¹ So, in this context, managing personal finances for women, assumes even more importance.
Further, single women do not have the support of a spouse when planning for their finances. Hence, it is important to have a proper plan in place for retirement. Here is how you can go about it.
May 2023
8min read

A Guide to Financial Planning for Your Child's Education
In India, a child's education is an important life goal and milestone. Parents invest their time, effort, and attention to ensure a good education for their children. A critical factor you need to plan for as a parent is expenses.
Apr 2023
4min read

How To Streamline Your Finances as a Working Mom
For working mothers, it is a challenge to juggle multiple roles at home and work. Their financial planning needs are unique. Financial planning for 40-year-olds can be tricky because women need to manage regular expenses of their family, and also plan for goals like their children’s education and retirement.
Mar 2023
8min read

How to Manage Your Finances After Divorce: A Guide For Women
A divorce can be a stressful and life-changing event. It may also have financial implications, especially for women. After divorce, a woman would have to sustain herself, possibly on a lower income. Plus, she may have to take stock of her financial situation on her own. But help is at hand. Here is how you can manage your finances effectively post a divorce.
Jan 2023
7min read

How SIP Can Help You Build a Corpus For Your Child’s Education and Marriage
As a parent, you want to provide the best of everything to your children. However, the best comes at a cost. Education is expensive and if you dream of sending your child to a premier college or university, you must plan well in advance.
Nov 2022
4min read

Raise Your Children to Be Money-wise
Teach your children about money and make them financially responsible citizens.
Sep 2022
3min read

How Can You Assess & Improve Your Financial Health In Your 40s?
Financial health is of paramount importance, irrespective of one’s age, and is especially so when one is responsible for supporting the family.
Jul 2022
3min read


INSIGHTS THAT WORK FOR YOU

Different things work for different people. Even if you are at the same life stage. Understand what works for you, as you prepare to watch your money grow.
Household Budgeting
An easy and smart guide to managing your household expenses effectively
Salaried employees can save taxes by meticulously utilising the gamut of exemptions and deductions available under various sections in the Income Tax India Act, 1961.
8min read

In today’s competitive and consumerist society where parents have little control over their children’s spending habits, it is difficult to teach them the value of money and its accountability. Childhood experiences and mental processes have a huge impact on how we handle our finances. As a result, it makes sense to instill good financial habits in children from a young age. Here are a few ideas to inculcate the right money habit among children. 
2min read

Here’s a look at deductions that a salaried employee can avail.

8min read

Many experts would recommend our priority should be to pay off high interest debt. Needless to say, paying off debt will provide you with peace of mind. It will also help you free up funds for other obligations/goals. Here’s how you can use your surplus cash smartly. 
4min read

"Earning a lot of money is not the key to prosperity – how you handle it is." Dave Ramsey, leading American financial guru. Building a corpus for the future requires careful planning and discipline. It’s important to inculcate good financial habits that will help you make progress in your financial plans. At the same time, it is important to avoid habits that might drag you back. Here are 7 financial habits that might be preventing you from growing your money effectively.
4min read

You might be about 20 years away from your retirement, and may already have been prudent enough to start saving towards this goal years ago – but as you enter your 40s, it’s the right time to up your financial game.
3min read

You might be living life king-size, but check if your lifestyle is out of sync with your finances.
3min read

Protect
Shield yourself and your loved ones with robust insurance planning
Employer-sponsored plans are intended to encourage individuals/employees to plan for retirement or hedge risks.
3min read

Nomination is an important activity that many of us miss which eventually bothers family members. 
4min read

Asset allocation is the most critical decision that you will take in your journey of investment. 
4min read

Having an insurance cover does not suffice. It is equally important to understand what your policy covers and what different terminology used in the policy document mean.

4min read

Life begins in the 40s, they say! From a financial perspective, however, the real business of life begins right on the day one becomes financially independent. To make sure your 40s and beyond become the best years of your life, it’s best to start holistically planning your finances as early as possible. An integral part of financial planning is to have the right types of insurance plans. Here are the four most important insurance policies that should be in place in your 40s:
3min read

If there is one thing the pandemic has taught us, it’s the need to save and prepare for emergencies. However, the money you set aside for emergencies could also be used to pay off your existing debts. Which should you prioritise? Paying off your debt or saving up for an emergency?
3min read

Insurance plays a crucial role in financial planning and is integral to financial security.
3min read

Save & Invest
Save and invest for your secure future
Here are five steps you can follow while investing to optimise returns at adjusted risk levels. 
3min read

Your dream home, luxury cars, overseas vacations require high capital. Planned expenses are often met by liquidating investments. 
8min read

As you enter retired life, it’s important to continue investment planning. Your goal planning will involve accumulating savings to manage expenses and help you pursue your interests in retirement. Many people look at investments for retirement planning expecting high returns in the shortest time. However, in reality, high-return low-risk investment options are rare. Most often, risk and returns are directly proportional. Hence, during investment planning, it’s important to match your risk appetite with the risk of the investment product you select.
There are two broad types of investment options available to you – financial and non-financial assets. Financial assets can be further categorised into market-linked products such as mutual funds, and fixed-income products such as Public Provident Fund and bank fixed deposits. Non-financial assets may include gold or real estate.
Here are some of the investment options that will help you achieve your personal finance goals as you enter retirement:
3min read

8min read

Everyone dreams of retiring rich – but if you are not already sitting pretty on a sizeable estate, achieving it can take some smart planning, and commitment.
3min read

You should be prepared for your retirement, both mentally and financially. Failure to prepare could cause you money worries in retirement, so it’s important to plan carefully.
3min read

In today’s globalised world, we use the products of countless multinational companies without even realising it. At the same time, globalisation also gives you opportunities to invest in these companies and include them in your financial portfolio - and global funds are the way to do it.
3min read

CALCULATE FINANCIAL GOALS

Plan and achieve your goals with the help of these calculators
Goal SIP Calculator
We help you plan for your life goals, with great ease!
Retirement Calculator
Calculate how much you need for a comfortable retirement

PODCAST

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

How to Select Equity Funds For Your Portfolio
How to Select Equity Funds For Your Portfolio

In life we are inundated with choices – whether it’s the choice of clothes, the colour and brand of cars, perfumes, the list can go on. Clearly, there’s a wide variety of options available today in every sphere of life which can be sometimes overwhelming. 

Feb 2024
21min read


5 smart ways to use Systematic Transfer Plan & Systematic Withdrawal Plan
5 smart ways to use Systematic Transfer Plan & Systematic Withdrawal Plan

Systematic Transfer Plan and Systematic Withdrawal Plan are tools offered by mutual funds that provide convenience and flexibility to cater to investor’s different financial goals. 

Jan 2024
17min read


How to invest in Global Companies
How to invest in Global Companies

In this episode of Money Buddy, Ajit Menon, CEO, PGIM India Mutual Fund, takes us through why investors should consider investing beyond Indian markets and the options available to diversify their portfolios in international stocks.   

Aug 2023
15min read


Automate your portfolio with Balanced Advantage Funds
Automate your portfolio with Balanced Advantage Funds

Balanced Advantage Funds dynamically adjust their equity and fixed income exposure based on a pre-determined formula. 

Aug 2023
10min read


Best of both worlds - How Hybrid Funds Give You An Edge
Best of both worlds - How Hybrid Funds Give You An Edge

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss why investors are lapping up Hybrid Funds and how to go about selecting the right Hybrid Fund for your portfolio.

Jan 2024
16min read


5 steps to Build your Emergency Fund with Debt Mutual Funds
5 steps to Build your Emergency Fund with Debt Mutual Funds

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss the importance of creating an emergency fund, where to invest, and shares five simple steps to create an emergency fund corpus.

Nov 2023
17min read


The what, how and why of asset allocation
The what, how and why of asset allocation

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss what asset allocation is, different types of asset allocation, its benefits, what goes into making a diversified portfolio, and more. 

Nov 2023
15min read


INTERESTING SECTIONS THAT YOU MAY WANT TO EXPLORE

The following sections may interest you, and you may want to explore them more in detail







WANT TO KNOW MORE?
PGIM India Asset Management Private Limited
(CIN - U74900MH2008FTC187029)
Toll Free Number: 1800 266 7446
Email: care@pgimindia.co.in
This is an Investor Education and Awareness Initiative by PGIM India Mutual Fund.
All the Mutual Fund investors have to go through a one-time KYC (Know Your Customers) process. Investor should deal only with the Registered Mutual Funds (RMF). For more info on KYC, RMF and procedure to lodge/redress any complaints, visit https://www.pgimindiamf.com/ieid.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY. Read more
The information contained herein is provided by PGIM India Asset Management Private Limited (the AMC) on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. However, the AMC cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. The information contained herein is current as of the date of issuance* (or such earlier date as referenced herein) and is subject to change without notice. The AMC has no obligation to update any or all of such information; nor does the AMC make any express or implied warranties or representations as to its completeness or accuracy. There can be no assurance that any forecast made herein will be actually realized. These materials do not take into account individual investor's objectives, needs or circumstances or the suitability of any securities, financial instruments or investment strategies described herein for particular investor. Hence, each investor is advised to consult his or her own professional investment / tax advisor / consultant for advice in this regard. The information contained herein is provided on the basis of and subject to the explanations, caveats and warnings set out elsewhere herein. The views of the Fund Manager should not be construed as an advice and investors must make their own investment decisions regarding investment/ disinvestment in securities market and/or suitability of the fund based on their specific investment objectives and financial positions and using such independent advisors as they believe necessary.
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