Financial Plan Archives - Anil Regos Blog

Review Your Portfolio Before Investment Decisions In A Bear Market

December 11, 2018December 13, 2018 admin

Vinay’s portfolio has taken quite a beating. He had purchased YES Bank at a price of around Rs. 450 per share about 8-9 months back. Today the share is hovering around Rs. 168. Sintex Plastics, which he had purchased in December 2017, has lost about 60% of its value. His portfolios largely comprised of midcap stocks, have lost 40-60% value from their peak. His stock portfolio was doing very well at one point, based on which he significantly increased his investments into stocks. Now, he is unsure as to what…

Factors Affecting Financial Planning: Some Ways and Solutions to Overcome it

October 13, 2018 admin

There are different obstacles that impact a person’s budgetary arranging, yet the accompanying is the most vital individual components, which will undoubtedly represent the issues raised in a financial plan. Spending pattern represents an individual whole money related life. The elements that a person spends outline the budgetary future they are bound to. At the point when individuals have a settled salary consistently, they do need to reconsider before spending it on superfluous things. They get acclimated to such a way of life, which may bring issues for them up…

The Steps You Need to Take Before Retirement to Manage your Wealth

October 11, 2018 admin

Retirement is the normal process to be crossed by any individual at the aged stage. Individuals should plan in advance to arrange the financial matter that helps to lead a comfortable life at the aged stage. Each person should calculate the amount that is received as pension, the amount that is received as a retirement withdrawal and finally the amount to be deposited in the bank. Calculating these things helps to recognize the goals and income to be directed in a proper way to achieve the lifetime objectives. These plans…

The right account for a small investor – Basic Services Demat Account

October 27, 2017 admin

If you are already holding a Demat account or planning to get one, then it is very important that you should know about the Basic Service Demat Account also. This could help you if you are planning to trade on smaller portfolio sizes and will cut on those huge yearly maintenance charges. The Basic Services Demat Account is a basic version of a normal Demat account which provides only the basic level services and is ideal for those who wish to invest in smaller quantum of portfolios. But before we…

5 facts to make you financially fit from your very first job

October 17, 2017October 17, 2017 admin

Stepping into your first job is indeed an awesome and an unforgettable moment. This phase of life brings a whole new sense of freedom, responsibility and confidence. This could be the moment that you have been waiting for all your life. Most of us dream of buying a car, or taking a nice vacation. And now that you have a job all set to give you a consistent financial flow, you would like to realize this dream of yours. A disciplined and planned approach can get you to realize your…

Are you postponing these 5 financial decisions?

October 3, 2017September 8, 2018 admin

It is always ideal that you practice a good discipline when it comes to your financial life and to do so it is imperative that you prioritize and set your financial life in order. Life is challenging and comes up with the most unexpected events at the most uncertain times. In order to avoid hassles for your dependants and to keep everything about your finances at ease, you should plan and set straight your financial life in order at the earliest. This article is to take you through those five…

How not to finance down payment for buying home

September 25, 2017September 25, 2017 admin

Buying a home is a big decision. And, as with all big decisions, you need to be well prepared before you implement it. For starters, before you decide on buying a home, make sure you have accumulated enough money to make the down payment. Hasty measures can put your financial security at risk. Don’t dip into retirement savings Rummaging through one’s retirement savings may seem the easiest option. But it is not the most desirable one, say experts. “Once you start chipping away at your retirement fund, there’s no…

5 Point Asset Classification for Beginner Investors

September 8, 2017September 8, 2017 admin

Your money goes into different places or things when you choose to save or invest and they are called Asset Classes. If you didn’t know, all your investments are classified, and it’s better if you keep that information as classified! Asset Classification or Asset classes: Let’s say you have invested in a Fixed Deposit and PPF. Both are different financial instruments, but deep down both are secure products, with minimal risk and fixed returns which are predefined. The similarity in their characteristics is because they both belong to “Fixed Income”…

Are you not saving for your future?

August 15, 2017 admin

Have you ever thought how it would feel to have 3yrs of your salary in your bank account? Imagining already? Which means X being your pay package per annum, you have 3X lying in your savings account (excluding real estate assets)!!! But bringing this into a real life scenario may practically not have been possible for many – reasons being stuck with day to day issues and all the other priorities. Is that you? Life is full of challenges. It makes us deviate and lose focus on how we chart…

Your finances this week: Know how to use your salary increment wisely

July 24, 2017 admin

This is the time of the year when most companies hand out increment letters to their employees. You may have also your salary hike details in hand. It is one of the best feelings to be appreciated for the work you put in for your organization and given a handsome reward in the form of a decent pay hike. However, a good salary hike does not really mean a signal to go on an extended binge when the extra money starts flowing in with your salary slip. Instead, you should…