“Financial wellness means freedom from financial stress and debt, peaceful life, and being prepared for emergencies.” In a fast paced business world, organizations and their employees are being stretched to overachieve their business goals. In the process employees face a huge amount of stress that affects their health and longevity which could be attributed…Details
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Latest from Arthayantra
Debt Mutual fund investments are typically considered and positioned as one of the safe avenues for returns and parking money, but the recent incidents have proven that one has to be careful while choosing the right kind of debt mutual funds. It is important to understand the underlying risks that the investors are subjected to…Details
As Dussehra 2019 arrives, it brings a fresh wave of thought in our life. The festival of Dussehra signifies the victory of good over evil. The mythological stories associated with Dussehra cite the importance of curbing our greed and destroy bad intentions. Be it the story of Lord Ram killing the demon King Ravana or…Details
Any act requires a proper plan for the outcome to be the best and finance is no exception to this. One needs proper financial planning to be stress free and lead a healthy financial life.
So what is financial planning? It is the process of clearly analyzing one’s finances and drawing an understanding towards the deeds to be done for current and future well being.
Broadly a financial plan consists of sub components like tax planning, risk planning, goal planning, investment planning and estate planning. Each of these aspects have to be broken down, draw up an analysis and implement.
The right way to plan your finances is…
Before thinking about the future, you need to look at the present. So the first and foremost step is to analyse your current finances and work towards stopping money leaking aspects, if any. For instance, it could be a non productive insurance policy that you hold. Doing so may increase your surplus for investments towards your future financial goals.
As humans we all face two risks that stop us from continuing our regular tasks. One being life risk and the other being health risk. You have to properly cover your self from such risks using respective insurance as this help you indemnify your finances for your dependents in case of any eventuality. Apart from the above you may also face situations where your regular income stops or expenses rise, such events also affect your on-goings and so you should consider building emergency fund which forms part of risk planning.
What Are 5 Top Investments To Secure Child’s Future In 2019 ? Every parent aspires to offer a secure and quality life to his child. But when it comes to finances, many miss out on making the right investment choices at the right time. Here we listed the best investments that can secure the child’s…Details
Retirement is one of the most important stages of any employment which every individual has to undergo this phase. There are different ways to pass this phase happily and smoothly like investing in mutual funds, stocks, real estate but one of the most common instruments amongst them are EPF and NPS. The recent buzz by…Details
Why should you deal with SEBI registered Investment Advisor? It is important to understand on ‘Why should you deal with SEBI registered Investment Advisor? The investment advisory services are regulated by SEBI – Securities and Exchange Board of India, through its Investment Advisor Regulations 2013. Before the enactment of this regulation, the investment advisory services…Details
How To Attain Financial Freedom? “What is freedom? The power to live as one wishes to.” When we asked the same question that what is Financial Freedom to different people, each one of them answered it differently. Some said having a lot of money in the bank, while others quoted spending time with family, doing…Details
Why is My Mutual Fund Giving Negative Return ? Of Late the Indian financial ecosystem has witnessed NBFC crisis. Few Corporates failed to fulfill their obligation of repayment. This has resulted in the rating agencies downgrading the Corporate Papers. The mutual funds which had exposure to these NBFCs and debt papers had to take a…Details
What is Free Look Period in Insurance? ‘Insurance is a subject matter of solicitation.’ We see this line in almost every advertisement and literature soliciting and/or canvassing Insurance. This means Insurance has to be solicited by us and after examining our risks the insurance company will provide us the risk coverage. While this is theoretical,…Details
Today we look at some of the reasons why the appointment of Nirmala Sitharaman is an awesome decision. Women always have a budget Let’s admit it, we do not think through before purchasing things, sometimes we buy stuff for the mere contentment and joy or may be for the high that we get from purchasing…Details
Refinancing a loan is where we change the interest rate levied on the loan or the tenure of the loan. Technically, a new loan is taken that is used to prepay the existing loan. This option is available only for home loans. We look at refinancing an existing home loan for one or more of…Details
What happens if payment of Insurance premium is discontinued? Every Insurance policy is a contract between the insured and the insurer. Be it a Life Insurance, Health Insurance or a Car Insurance, It’s the obligation of the client (the insured in insurance language) to pay the premiums on a timely basis. The claim settlement is…Details
What is an Offer Document in Mutual Fund? ‘Mutual funds sahi hai!’ It would not be an exaggeration if we say there would be no one who has not heard of this advertisement of late. Along with this, in every literature or advertisement about Mutual funds we see this standard disclaimer “Mutual Fund Investments are…Details
In this age of consumerism, we all use debt. We borrow from willing parties and in return pay to them an interest in addition to returning the principal. Loans are available to us from multiple sources and they are of multiple types. Banks provide home loans, car loans, personal loans, overdraft loans, credit companies provide…Details
We all are aware of money. We interact with it everyday. In that everyday nature of our dealing with it, we tend to sometimes add and sometimes forget what it actually is. Here, I attempt to simplify the concept. Money is the value within. Let’s understand this with an example. Picture a seed. A seed…Details
In a previous post, we explored the nature of risk. We had discussed that engagement with risk is necessary, and that engagement with risk brings about uncertainty. The manifestation of risk can be understood by using the construct “If a particular event occurs, then a particular impact occurs”. Further, the management of risk is then…Details
As a living being one has to face risk, risk here is referred as an uncertain event leading to uncertain outcomes taking various forms in life, health, wealth etc. These risks are not frequent and chances of occurrence are also low but when they occur they cause a devastating effect in one’s life. As one…Details
This debate started when direct funds were introduced in India, and almost overnight investor preference shifted to direct funds and away from professional advice. But, at its core, this is a question what action should one take. So, let’s understand what it takes to ensure that the action taken is successful. Bear in mind, the…Details
Risk is the possibility of losing something of value. Values (such as physical health, social status, emotional well-being, or financial wealth) can be gained or lost when taking risk resulting from a given action or inaction, foreseen or unforeseen (planned or not planned). Risk can also be defined as the intentional interaction with uncertainty. Uncertainty…Details