financial planning

Vighnas in Your Financial Plan

AI Generated Image Every year, when Ganpati Bappa arrives in our homes, we welcome him as the Vighnaharta - the remover of obstacles. We pray for wisdom, prosperity, good health and the strength to overcome difficulties. The same thought can...
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Four Investing Lessons from Teachers

AI Generated Image Every September, we remember our teachers - the ones who shaped our thinking, disciplined our efforts, and instilled in us habits that stayed far beyond the classroom. Teacher’s Day, celebrated on 5th September, is not just about...
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A Middle-Class Family’s Financial Balancing Act

Bharat cannot control rising prices, but he can control how prepared his family is. Bharat is not a businessman or a high-salaried executive. He is an ordinary middle-class working man whose salary comes in every month, but before he can...
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Why Rs 1 Crore May Not Be Enough for Retirement

For most middle-class Indians, Rs 1 crore is a retirement milestone — but it may not be enough Bharat, 35, has a stable job, a growing income and a clear plan for the future. Discussing retirement with a friend, he...
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The Financial Magic of 8/8

AI Generated Image If numbers could talk, 8 would speak the language of wealth. When the date doubles into 8/8, it becomes more than another day. It becomes a reminder of financial power, balance and long-term abundance. Yesterday, the calendar...
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Financial Grief: The Burden of Losing a Breadwinner

Financial planning is not just about growing wealth—it is about protecting the people we leave behind. Bharath, a 26-year-old software engineer in Pune, lived with his parents and younger sister. His father, Rajesh, was the family's sole earning member. He...
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Four Must-Have Insurances

In financial planning, most people focus on returns. They want to know which mutual fund to buy, which stock can grow, or where they can earn the highest return. But before chasing returns, one important question must be asked: is...
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Capital Gains Tax: An Essential Part of Financial Planning

Understanding the tax consequences of selling any wealth-creating asset—from property and shares to mutual funds and gold—is as important as choosing the investment itself. In today's investment-driven world, many individuals invest in properties, shares, mutual funds, and gold with the...
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Life on EMIs: Convenience or Financial Pressure?

Financial freedom is not about owning everything today; it is about the ability to choose tomorrow. Bharath, a 34-year-old salaried professional in Pune, earns Rs 85,000 a month. On paper, he’s doing well. He owns a 2BHK apartment, drives a...
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