Retirement Planning : Facts & Figures with Case Study. In my last article I discussed about the importance of Retirement Planning, in this issue I would like to discuss on how to plan your retirement. So here I would like to help readers with some numbers. For that here below I am discussing two illustrations …
Retirement planning is one of the most important part of total financial planning of an individual. Retirement years are the beautiful years of life. After taking his education when an individual starts his working life, he is burdened with lots of different responsibilities in his life. But retirement years are the years when one can …
As discussed in my earlier post “Inflation: Biggest Enemy in your Financial Life.” Inflation is one of the most signifacant risk to once fiancial life, now the question is how to fight with it? First of all investors need to recognize the impact of inflation on their long term goals. Most of the times while planning …
1 Most of you have been reading my articles for quite a long time. I have written a lot on how you can organize your financial life. Now this time I want to tell you what you should not do. Successful Financial life can be achieved by avoiding mistakes and adopting a disciplined approach towards …
Continue reading ‘5 Money Actions that can create disaster in your Financial Life.’ »
In may last article on Asset Allocation, I had discussed how Asset Allocation and Rebalancing of portfolio is done at periodic frequency.Now in this article I have given a back testing of the same for a period of 31/12/2006 to 31/12/2014. Let us see below, how Asset allocation and rebalancing actually works and help investors …
Continue reading ‘Strategic Asset Allocation & Rebalancing: Back bone of your Portfolio-Part-2.’ »
Normally I have seen that when it comes to investing in different asset classes, every investor is confused about how much should I invest in asset classes like Equity where the risk is high and how much should I invest in asset classes like Bonds where the risk level is low and most of the …
Continue reading ‘What is Risk Profiling and why you must do it?’ »
Avoid mistakes and have a great financial life: As a financial planner I meet many investors and try to understand what they are trying to do. I have realized one thing very clearly that investors don’t have sufficient knowledge of personal finance and in an effort to generate maximum returns they keep trying new things …
Continue reading ‘Doing no Mistakes is Equivalent to doing Great Job in Personal Finance.’ »
In my last article in September-2014 IMA Vadodara Monthly Bulletin, I had discussed about Life stages in the life of a doctor. While working with my doctor clients I have realized that doctors are highly organized people and they plan everything including their leisure trips but they are highly unorganized in their financial affairs and …
Continue reading ‘Financial Planning from Doctor’s Perspective’ »
In my last article I had explained what is a stock Index ? How it is constructed ? and Why it goes Up or Down?, the objective of writing that article was to explain construction and functioning of stock indices and also to explain that over a long run, stock indices can grow to any …
Continue reading ‘When should you invest in Equity or withdraw from Equity, considering PE Ratio?’ »
Writing an article on financial planning for doctors is my favourite topic because 70% of my clients are doctors. During my practice I have worked with doctors from many different branches and with different age groups, like few of them are very young say between 32 to 35 years old and have just started their …
Continue reading ‘Financial Life stages in the life of a Doctor.’ »