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Latest from Arthayantra

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Financial stress and impact on employee financial health

“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…


What is Financial Planning?

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…

Current finances

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.

Risk Planning

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.



Debt Trap

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…


Cost of Delaying Insurance

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…


Risk Explored

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…