PLAN AHEAD CORNER
CONTACT US
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contact@planahead.in |
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WHY YOU SHOULD SAY YES TO CHINA IN YOUR INVESTMENT PORTFOLIO |
Future growth drivers for China
Consumption growth story
in China with the quality of
consumption improving, currently
it is contributing 1/4th to global
consumption growth
Oline retail sales penetration
is growing at a rapid pace and it
is estimated to be at more than
40% in the next 5 years
It is the biggest EV market
currently with 5% EV penetration,
but this penetration is likely to
go upto 20% by end of this decade
China is aiming to be a net-zero
emission country by 2060, creating
opportunities for related sectors
including batteries, solar energy, etc.
Who We Help?
PLAN AHEAD CORNER
Want to enrich your
financial life?
write to us at
contact@planahead.in
CONTACT US
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SHOULD YOU BUY PHARMA FUNDS IN THE CURRENT ENVIRONMENT? |
Key parameters to consider
The valuation premium
against 10-year average is
more or less in line with the
valuation premium of Nifty 50
Earnings CAGR for next
2 years is estimated to be
around Nifty Earnings estimates
Pharma being a sectoral
exposure comes with
high volatility
Declining exposure to pharma
from institutions also signaling
lower attractiveness of the
sector than before
Who We Help?
PLAN AHEAD CORNER
Want to create an
action plan to simplify
your finances?
write to us at
contact@planahead.in
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A LOOK AT MID & SMALL CAPS POST A SHARP RUN |
Key parameters to consider
Consistency in performance
over market cycles
Concentration in the
portfolio, as excessive
concentration in some stocks
can lead to high volatility
Investment philosophy
of the fund manager
Make sure that the fund has
a robust investment process
in place to address the
asymmetry of information
in the space
Who We Help?
PLAN AHEAD CORNER
Need financial
guidance to weather
these turbulent times?
write to us at
contact@planahead.in
CONTACT US
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contact@planahead.in |
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HOW TO THINK LONG TERM WHILE INVESTING IN THE SHORT TERM? |
Approach on Investing
As you look through long term
data and cycles you know
that volatility reduces
Valuation levels are an
important parameter to
look at entry and exits
of investments
Asset allocation is the key
to reduce volatility, but with
a long term approach
Long term approach in
fixed income: think about
‘hold till maturity’ investments
in current environment
Who We Help?
PLAN AHEAD CORNER
Need guidance for
enriching your
financial lives?
write to us at
contact@planahead.in
CONTACT US
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contact@planahead.in |
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CHOOSING THE RIGHT DEBT FUND AMIDST VOLATILE BOND YIELDS |
Key portfolio strategies
Build a barbell strategy,
to benefit from anomaly in
longer and shorter-term yields
Keep overall portfolio
duration within your
risk tolerance levels
Make sure that you
are not compromising
with credit quality in
chasing yields
Condsider debt funds
also as part of long
term investments
Who We Help?
PLAN AHEAD CORNER
Need to plan for
your retirement?
write to us at
contact@planahead.in
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
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INFLATION: ITS IMPACT ON YOUR ASSETS & HOW TO PROTECT FROM IT |
Impact of inflation
Cost of capital may go
up for the businesses, may
result into lower valuation
Keep your portfolio duration
low : invest in short to
medium term strategies
Central Banks may roll
back liquidity measure
earlier than anticipated
Gold can be a portfolio
hedge against the inflation
Who We Help?
PLAN AHEAD CORNER
Financial Planning
for millenials?
We can Help!
write to us at
contact@planahead.in
CONTACT US
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+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
MARKETS ARE RALLYING: WHAT SHOULD YOU DO? |
Key investment strategies
Book profits by rebalancing
your equity exposure
Diversify your investment
across geographies
Evaluate the use of
Dynamic asset
allocation funds
Asset mis is important
Who We Help?
PLAN AHEAD CORNER
Want expert opinion
on
Budget 2021
CONTACT US
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+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
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2020: A YEAR OF PLAN B |
Key investing lessons in 2020
Create a contingency
fund
Maintain surplus funds
to buy in market dips
Continue SIPs
Avoid FOMO by following
a disciplined approach
Who We Help?
PLAN AHEAD CORNER
For customised advice
across investments,
goals and expenses,
write to us at
contact@planahead.in
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
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SHOULD YOU INVEST
|
Advantages of ETFs
Low cost
ETFs are low cost,/p>
beneficial in terms of
no distribution cost
and wide reach.
Real-time NAV
ETFs offer intra-day
purchase and sale on
the Exchange.
Low tracking errors
ETF closely tracks the
performance of the fund.
Who We Help?
PLAN AHEAD CORNER
17 glorious years of
enriching financial lives!
write to us at
contact@planahead.in
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
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WHAT IS ESG INVESTING? |
3 important factors of ESG
Environmental
Positive climate change
actions attract
investor interests
Social
Invest in employees
and communities
Governance
High governance standards
increase valuation premiums
Who We Help?
PLAN AHEAD CORNER
For advisory queries or
to know more about
our services,
write to us at
contact@planahead.in
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
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DIVERSIFYING YOUR INVESTMENTS
|
Key reasons to diversify overseas
To reduce the risk of
India underperformance
To participate in global
growth opportunities
To protect USD purchasing power
Who We Help?
PLAN AHEAD CORNER
For advisory queries or
to know more about
our services,
write to us at
contact@planahead.in
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
EQUITY PORTFOLIO STRATEGIES AFTER
|
Preparing your portfolio for uncertain markets
For near term goals:
Some equity investments
can be exited
For medium-term goals:
Rebalance your portfolio
by exiting some equities
and transferring to debt
For long-term goals:
if your risk appetite permits,
consider taking contrary bets
and benefit from market anomalies
Who We Help?
PLAN AHEAD CORNER
See What Our
Clients Say
About Us
CONTACT US
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+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
ESTATE PLANNING USING
|
How can Trusts be a powerful wealth transfer tool
Pass on wealth without
any court hearings or
succession laws
Ensure proper care
of minor child with
guardianship provisions
Protect wealth from
creditor claims or disputes
Protect personal assets
during business eventualities
Who We Help?
PLAN AHEAD CORNER
Taking care of your
financial goals even
while working
remotely
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
ESTATE PLANNING:
|
Tips to protecting your loved ones
Avoid cumbersome succession
laws with a well-drafted will
A well drafted will with
enabling trust clause can
ensure that your special /
minor child has enough
wealth to be taken care of
Shield your wealth from
creditor claims with an
irrevocable trust
Protect personal assets
during business eventualities
with a trust
Who We Help?
PLAN AHEAD CORNER
Taking care of your
financial goals even
while working
remotely
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
WHAT TO DO ABOUT
|
Financial planning during a pandemic
Revisit your asset mix to
align conservative assets
Consider leveraging for
imperative goals like education
Create a diversified
portfolio to withstand
various possible scenarios
Take a hard look at the
dents to create a catch
up investment plan
Who We Help?
PLAN AHEAD CORNER
Taking care of your
financial goals even
while working
remotely
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
FINANCIAL FORECASTING
|
How to plan during uncertain times?
Plan for a range of
scenarios with probabilities
Make a realistic forecast
on your income,
investments and goals
Consult a financial
planner or advisor
Who We Help?
PLAN AHEAD CORNER
Taking care of your
financial goals even
while working
remotely
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
HOW BEHAVIOURAL
|
How behavioural biases influence your money life?
Look at long-term
fundamental data
Rebalance your portfolio
Maintain an
appropriate aaset mix
Review your risk profile
Who We Help?
PLAN AHEAD CORNER
uncertain times
Won the
Best Registered Investment
Advisory Award
4 times in a row
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
HOW WILL CORONAVIRUS
|
5 crucial questions imposed by the outbreak
What is the impact of Covid-19
outbreak on world and India
economies?
What are likely disruptions
to Indian businesses?
What should investors do
with their SIPs?
Should investors move out
of equity assets?
How should investors allocate
future investments?
Who We Help?
PLAN AHEAD CORNER
Celebrating 16 Years of
Enriching Financial Lives!
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
WHERE TO PARK YOUR
|
4 investment ideas for uncertain times
Invest in a healthy
mix of aggressive and
defensive assets
Allocate 10-15 percent
in gold assets
Allocate a part of portfolio
into international assets
Invest in high credit-rated
fixed income securities
Who We Help?
PLAN AHEAD CORNER
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
GETTING YOUR
|
4 prudent tips to ace your financial life in 2020
Invest with return
optimisation in mind
Diversify across asset
classes and geographies
Manage money and
emotions better
Be prepared for surprises
Who We Help?
PLAN AHEAD CORNER
As we bid adieu to 2019 and the
last decade, we wish you leave
your financial worries behind.
wishing you new beginnings in
2020 with renewed
goals and stronger financial
resolutions with Plan Ahead.
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
FINANCIAL TIPS FOR NRIs COMING FOR AN INDIA VIST
|
6 financial tips for NRIs visiting India
Maintain an
independent health cover
Update resident bank accounts
to Non Resident accounts
Consolidate and Update
investment platforms and accounts
Terminate PPF
accounts on maturity
Update investments
related KYC as a NRI
Seek professional
advice before
filing your taxes
Who We Help?
PLAN AHEAD CORNER
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
HOW TO PLAN YOUR
|
6 important financial tips for when you’re on the go
Maintain adequate
and appropriate health
insurance covers
Maintain an emergency
corpus for those
‘just in case’ moments
Plan your taxes in advance
to optimise earned wealth
Provision expenses to
upgrade skills
Account for pre and post
retirement expenditure
by planning now
Draw up an
Estate Plan
Who We Help?
PLAN AHEAD CORNER
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
5 COMMON RETIREMENT-
|
Invest wisely while planning smartly
Expenses do not reduce
in retirement. In fact they
may even increase
Incorrectly predicting life
expectancy = chances of under
funding your retirement
More than 75% of lifetime
healthcare costs are in
retirement phase
Tax inefficient
investments dent
retirement income
The cost of hiring a financial
expert will be lower than potential
cost of financial errors
Who We Help?
PLAN AHEAD CORNER
Vishal Dhawan, CEO,
Plan Ahead Wealth Advisors,
presented a seminar on
“Investing in uncertain times”
at the India Club, Dubai in
September 2019
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
INTERESTING TAX |
Tax Benefits of investing in NPS
[National Pension System]
Employer can contribute
to your NPS account
under Sec 80 CCD(2)
This contribution is part
of your CTC but not taxable,
thereby reducing taxable income
Withdraw 60% of your corpus
after retirement, tax free
mixed avenues
Do not become too conservative
in your investments
especially as a retiree
Optimise retirement portfolio
to gain income from
Receive regular annuity on the
balance 40% corpus (compulsory)
Claim additional tax benefit on
investing Rs. 50000 to individual
NPS account under Sec 80 CCD (1B)
Gain from investing in a
mix of equity and debt asset
classes and also avail tax benefits
Who We Help?
PLAN AHEAD CORNER
Celebrating our
participation in the
Global Plan Plus awards!
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
Financial Planning |
5 steps to ensure a fulfilling retirement
Ascertain what you want
to do in your retirement
Don’t rely only on income earned
from interest on investments
Optimise retirement portfolio
to gain income from
mixed avenues
Do not become too conservative
in your investments
especially as a retiree
Invest in equity and growth
oriented assets to increase
corpus generation
Who We Help?
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
Family |
How to set a family budget in 5 easy steps
Make a list of monthly essential
and non essential expenses
Make a list of foreseeable
annual expenses
Aim towards saving
before spending
Avoid loans that fuel
any lifestyle wants
Track expenses via
a simple mobile app
Who We Help?
PLAN AHEAD CORNER
‘Demystifying Financial Planning’ seminar
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
ARE YOU PREPARED FOR |
Plan the right way to educate your children abroad
Estimate correctly the amount of
corpus needed
Factor for tuition plus living
expenses, medical, registration,
books, supplies and travel
Living on or off campus makes a
huge difference in terms of costs
Factor for overall inflation and not
just educational inflation
Combining the estimated cost
of education , inflation and years
defines the corpus needed
Who We Help?
PLAN AHEAD CORNER
Plan Ahead Annual Retreat – “Go For Growth”
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
Should Elections Dictate Investment Strategies? |
Should Elections dictate investment strategies?
Elections impact markets
lesser than we tend
to believe
Basing an investment strategy
only on election results
is dangerous
The election outcome could
impact different asset
classes differently
The movement of financial
markets is driven by
multiple variables
Adjusting your investment
strategy basis life events
is prudent
Who We Help?
PLAN AHEAD CORNER
Retirement Readiness Seminar
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
LIFE PLANNING |
What is Financial Life
Planning?
Organises financial resources to support your
life’s greatest values
Focuses on life intersections and
corresponding financial decisions
Helps you gain clarity and financial satisfaction
Without the complexity of uncertainty and regret
Enables customised solutions based on individual
goals and values.
PLAN AHEAD CORNER
Best Registered Investment Advisor award from
Outlook Money for 2016,2017 and 2018
CONTACT US
Phone: |
+91-22-2634 5000 +91 22-4970 5688 |
E-mail: |
contact@planahead.in |
Website: |
www.planahead.in |
ESTATE PLANNING USING
|
How can Trusts be a powerful wealth transfer tool
Pass on wealth without
any court hearings or
succession laws
Ensure proper care
of minor child with
guardianship provisions
Protect wealth from
creditor claims or disputes
Protect personal assets
during business eventualities
Who We Help?
PLAN AHEAD CORNER
Taking care of your
financial goals even
while working
remotely
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
|
contact@planahead.in |
Website |
www.planahead.in |
Reviewing |
Why should you consistently
review your finances?
Sudden or planned changes including births,
deaths and inheritances
A change in health status
A change of employment, entrepreneurship or
even a sabbatical
A resultant change in risk appetite
For portfolio rebalancing
Better tax planning and/or investing opportunites
PLAN AHEAD CORNER
CONTACT US
Phone: |
+91-22-2634 5000 +91 22-4970 5688 |
E-mail: |
contact@planahead.in |
Website: |
www.planahead.in |
Why you need a Financial Planner? |
What does a Financial Planner Do?
Gets to Know You & Your Priorities
Understands your Goals and Dreams
Creates a Customised Plan for you
Gets discipline & separates emotions from money
Monitors, Reviews and Optimizes
Who We Help?
PLAN AHEAD CORNER
CELEBRATIONS
CONTACT US
Phone |
+91-22-2634 5000 +91 22-4970 5688 |
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contact@planahead.in |
Website |
www.planahead.in |
“Hope smiles from the threshold of the year to come, whispering, ‘It will be happier.”
-Alfred Lord Tennyson
As the New Year 2019 is approaching, a large number of people refocus on finances, it is an opportune time for you to embark on financial decisions for the year ahead. So here are seven financial resolutions to follow in 2019.
Watch this video to know Vishal Dhawan’s quick tips for financial resolution for the New Year..
“You can be young without money, but you can’t be old without it ”
-Tennessee Williams
One of the largest goals if not the largest goal any individual looks to save for, is his or her retirement. But what if you were to live longer than expected? How would your finances be structured?
Watch Vishal Dhawan’s views in this video to know more…
“Be fearful when others are greedy and greedy when others are fearful.”
-Benjamin Graham
The Indian and global markets have been on a downward trajectory due to fears and uncertainty around crude prices, NBFCs, liquidity worries, a plunging rupee along with escalating trade wars that have brought out the bears in the market.
How are variables such as oil prices and corporate earnings affecting your equity portfolio and how to steer your investments in such markets. Watch Vishal Dhawan’s views in this video to know more…
“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go.”
-Benjamin Graham
There is fear is on the Street. The weakening rupee and elevated oil prices were certainly causes for worry, but did not trigger panic-selling. Shadow banking, which was often talked about as the biggest risk in China, seems to have reared its head closer home instead.
The selling by foreign investors and the anticipation that RBI might increase policy rates in its October meeting is also pushing bond yields up.
Please watch this video to know Vishal Dhawan’s view on current market environment.
The investor’s chief problem – even his worst enemy – is likely to be himself.”
– Benjamin Graham
It is a well known fact that human cognitive abilities and emotions both have a huge say on how one goes about investing, both negative and positive. However it is the negative side of such aspects that come to front more often that not. Such obstacles are usually termed as “biases”.
This article looks to highlight and explain some of the common “biases” which tends to prove a hindrance to an investor from achieving his or her’s investment objective. As fundamental part of human nature, these biases can affect all types of investors. Therefore understanding them may help you to avoid such pitfalls
Please watch this video to know common Vishal Dhawan’s view on common biases which should be avoided..
“Chains of habit are too light to be felt until they are too heavy to be broken.”
-Warren Buffett
Major banks and housing finance companies have already raised interest rates, which have resulted in an increase in EMIs for home loan borrowers. Looking at the global and domestic developments, interest rates are expected to rise going further. Market expectations are that the RBI could hike rates by another 25 bps during the August18 policy meeting. However, the call will hinge on how crude prices and the rupee moves over the next few months, as well as the extent of impact of minimum support price hikes on inflation. Thus the home loan rates which have already increased by 10 – 20 basis points could further rise by another 20 – 30 basis points.
Please watch this video to know ways to control EMIs and interest burden…
“More money has been lost trying to anticipate and protect from corrections than actually in them.”
– Peter Lynch
Windfall money has the potential to change your life. But before you start celebrating and making plans on how to spend this money take the following steps to ensure you and your loved ones can reap the benefits of this gain for a life time.
Here are the 5 easy steps to manage your windfall money.
“Those who succeed after a rare opportunity, only succeed on the back of a plan they already had or one they craft and begin to pursue after receiving the windfall”
– Archibald Marwizi
Windfall money has the potential to change your life. But before you start celebrating and making plans on how to spend this money take the following steps to ensure you and your loved ones can reap the benefits of this gain for a life time.
Here are the 5 easy steps to manage your windfall money.
“The ability to simplify means to eliminate the unnecessary so that the necessary may speak”
– Hans Hofman
About 6 months ago, SEBI came out with a new set of regulations stating that all Mutual Funds need to fit into 5 large categories with 36 sub-categories. This would have significant and widespread impacts on the universe of Mutual funds as well as your portfolios. Watch our video to know more…and signup for a Portfolio Scanner service for a detailed analysis of your portfolio.
“A Fool and His Money are soon parted”
– Old English phrase
April Fools’ Day is on April 1st. On this occasion, usually people are playing pranks on friends and family and celebrating. On this occasion, we thought it’s a good time to alert investors on how they can avoid being financial fools. What are the items to watch out for, so that you can avoid being fooled and/or misled on your finances.Watch our video to know more…
“The path from dreams to success does exist. May you have the vision to find it, the courage to get on to it, and the perseverance to follow it.”
-By – Kalpana Chawla
Stereotypes are not uncommon in our Indian society. One of the most common ones we hear is how women do not know how to manage their money. There are many indulgent fathers and husbands who realize too late about involving women in financial decisions. The question that arises here is why should women also focus on finances? Watch our video to know why…
“The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left”
-By – Robert Kiyosaki
All of us know that it is important to have a budget and follow it but more often than not we are unable to follow through. Watch this video for a simple change that you can implement to apply the budgeting principles to your finances…
“Well begun is half done”
-By – Aristotle
Equity Markets in 2017 were largely positive despite the economic slowdown in GDP from 7.1% in FY 15-16 to 5.7 % in Q1 FY17-18 and 6.3% in Q2 FY17-18 with temporary disruptions from demonetization and GST rollout. On the basis of price to earning ratios and the mixed bag corporate results Quarter 2, we still believe that the equity markets are overvalued. On the other hand we had fixed income markets also behaving contrary to expectations. What should therefore be the investing strategy for the new year….. hear more for Vishal Dhawan’s view…
“Preparation is the key to success”
– Alexander Graham Bell.
Every December usually we tend to look back at the year, and think of the progress we made. During this process, a set of questions that keeps popping up ever so often is “Life is good currently but what if something happens tomorrow?” There are many risks that we come across daily in analysing client portfolios, and broadly we think there are three that come up most often in conversations. These three risks have great strength to disrupt our dreams or leave them unaccomplished. Let’s hear it in greater detail from Vishal Dhawan…
“Education is the passport to the future, for tomorrow belongs to those who prepare for it today”
– By Malcom X
Over the last few years we have seen many parents have been encouraging their kids to pursue their dream careers in off beat fields like being a photographer, chef, pilot etc etc as these have tremendous scope if are pursued with full passion and enthusiasm. Hear more from Vishal Dhawan about the Mistakes to avoid whilst saving for education for your child……
“The future depends on what we do in the present.”
-By Mahatma Gandhi
Gandhi’s biggest message to the world was that of morality as an important part of life, business, and of course politics. On this Gandhi Jayanti, we thought it would be a nice thing on Gandhi’s birthday to remember the inspiration that he served through his teachings. Here’s a collection of quotes – that serve a great inspiration to the investor community..….Hear more for Vishal Dhawan’s view…
“We never know the worth of water till the well is dry”
-By Thomas Fuller
When things are good, everything seems simple and perfect. Wealth continues to accumulate at a steady pace, and life is good. However, it is not just enough to be wealthy, it is also critical to stay wealthy. The Importance of Having a “Staying Wealthy Plan” is that it helps you think about what might go wrong, and is different from the status quo. Essentially it is your Plan B….Hear more for Vishal Dhawan’s view…
“There is no easy, magical formula when it comes to getting out of debt. It takes a lot of time, hard work and discipline”
-By Daveramsey.com
A study done by a university showed that many people who spend time worrying about their debt are less healthy than those who are debt free or have their finances well planned. For most people, becoming debt free can be a very calming experience and enable one to focus on other items in ones life – family, professional growth, etc….Hear more for Vishal Dhawan’s view…
“Its not the end but start of the journey
-By Arun Jaitley
At the moment wherever we go what everyone is discussing is GST and its impact on everyone’s life. On the whole, the concept of GST is basically standardising the indirect tax structure of the country which was different for different regions till now…. Hear more for Vishal Dhawan’s view…
An Investment in knowledge pays the best interest.
-By Benjamin Franklin
As we approach the beginning of the school year an important topic of discussion to address is that of education planning. Children’s education is one of the biggest cash outflows that families must plan for…. Hear more for Vishal Dhawan’s view…
Tactics without strategy is the noise before defeat.
– Sun Tzu
A critical part of any Investment portfolio strategy is the development of an asset allocation and subsequent portfolio rebalancing, depending on the investor’s needs and financial goals…. Hear Vishal Dhawan’s view…
Intelligent people make decisions based on oppurtunity costs.
~ Charlie Munger
Mid and Small caps continue to sizzle, and the lack of a correction that everyone has been expecting for a while has yet to happen. Should you change your investment strategy as a result ? Hear Vishal Dhawan’s view…
Colours of personal finance this Holi…..
As the festival of colours comes closer, hear Vishal Dhawan share his views on how you can use different shades and colours to better manage your personal finance…..
I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.
– Jimmy Dean
With a sharp increase in bond yields contrary to expectations, and concerns around Balance sheet challenges for companies continuing, hear Vishal Dhawan’s views on managing your debt fund portfolio…
“Nayee Duniya Hain, Naya Dur Hain, Nayi Hai Umang, Kuch The Pehle Ke Tareeke, Toh Hai Kuch Aaj Ke Dhang”
~ Arun Jaitely, India Budget 2017
In your busy world filled with deadlines and a scarcity of time, our Budget2017 video gives insights on how the Budget impacts you, your family and your personal financial life.
Although no one can go back and make a new start, Anyone can start from now and make a brand new ending
– Carl Bard
Over the last couple of months, as demonetization has created significant liquidity in the banking system, banks and NBFCs have finally started cutting interest rates. Hear Vishal Dhawan’s views on what you should be doing with your home loan now….
“Two super-contagious diseases, fear, and greed will forever occur in the investment community. The timing of these epidemics will be unpredictable. … We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.” This is the simple recipe for being a contrarian investor.
By Warren Buffett
Demonetization has been a favored topic of discussion with a wide range of opinions. Whilst a more exact impact is likely to be better understood over the next few weeks and months, it is important to shut out the noise and political commentary, and focus on whether it can truly make a difference to your investment portfolio. Hear Vishal Dhawan’s views on the same….
“Focus is a matter of deciding what things you’re NOT going to do.”
– John Carmack
Finding the one thing in your life that truly matters can be a life changing event for many. The one thing is equally relevant for your investment portfolio, especially when demonetisation and an emerging market sell off are creating ripples in Financial Markets. Here’s how you can apply learnings from the book “ The One Thing” by Gary Keller and Jay Papasan to your personal finances with Vishal Dhawan..
“If you cannot control your emotions, you cannot control your money ”
– Warren Buffett
With two significant events of demonetization in India and the US elections, Hear Vishal Dhawan speak about its impact on your investments..
“To be truly simple, you have to go really deep..”
– Steve jobs
As you declutter this Diwali here is a 4 step guide on doing the same with your finances.. Hear Vishal Dhawan speak..
“The only person who will take care of the older person that you will someday be – is the younger person now.”
– unknown
Hear Vishal Dhawan speak on “ How to choose the right health insurance policy for yourself and your family?”
“ When investing is comfortable it is rarely profitable.”
– Rober Arnott
With interest rates falling and there is rising inflation, is it still a good time to invest in fixed income instruments? Hear what Vishal Dhawan has to say..
“Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.”
– Sun Tzu
Does a Buy and Hold strategy always work or are valuations of financial markets also important? Should you stick to your asset allocation irrespective of the state of financial markets? Hear Vishal Dhawan share his thoughts..
“ We don’t have to be smarter than the rest. We have to be more disciplined than the rest”
– Warren Buffet
Hear Vishal Dhawan’s view on what are the three key things which investors should do with their investments in an uncertain environment like this?
“ In the business world, the rearview mirror is always clearer than the windshield.”
– Warren Buffet
Hear Vishal Dhawan’s view on Equit, Fixed Income and currency Markets post Brexit. To know what is it that you need to do with our investment portfolios watch out for our next video tomorrow..
Understanding New Pension Scheme and its advantages.
With the changes in the New Pension Scheme in Budget 2016, Vishal Dhawan explains the structure & enhanced tax benefits of NPS and why one should look at this product for retirement planning
Understanding Employee Provident Fund and its Advantages
Since most of the employees have the option of an EPF, how can one fully utilize the benefits of EPF for retirement and its tax advantages. Hear Vishal Dhawan speak about the importance of EPF for your retirement planning..
“You get recessions, you have stock market declines. If you don’t understand that’s going to happen, then you’re not ready, you won’t do well in the markets.”
– Peter Lynch.
US Federal Reserve has decided to keep its rates unchanged. Hear Vishal Dhawan speak about its Impact on Indian Equities and what will impact Gold prices going forward…
“Although no one can go back and make a new start, Anyone can start from now and make a brand new ending”
– Carl Bard.
It’s the start of a brand new financial year in India. It’s a great time to make new financial year resolutions. Hear Vishal Dhawan speak about ‘must have’ resolutions and tips to stick to them. It’s also time for your annual bonus or increment, so hear what to do with that as well…
“The real key to making money in stocks is not to get scared out of them.”
– Peter Lynch
With a lot of news flowing around the challenges in the Chinese economy and global markets, hear Vishal Dhawan speak about the current outlook of markets and how investors can use this volatility to their advantage.
“Death is not the end. There remains the litigation over the estate.”
– Ambrose Bierce
Financial Planning is incomplete without Estate Planning. We read and hear about it but not many of us have an Estate Plan in place. Hear Vishal Dhawan speak about Estate Planning and why it is so critical to have an Estate Plan?
“The intelligent investor is likely to need considerable will power to keep from following the crowd.”
– by Benjamin Graham
With a lot of news flow expected around the US Fed meeting in December, expect volatility in domestic and international markets. Hear Vishal Dhawan speak about its impact on both Equity and Fixed Income markets, and an appropriate strategy as an investor.
“When you invest, you are buying a day that you don’t have to work.”
– by AyaLaraya.
Retirement is a journey, not a destination. Hear Vishal Dhawan speak about things to consider whilst planning your retirement and estimating the corpus needs and the investment strategies for your retirement years to support your retirement expenses.
The fact that people will be full of greed, fear or folly Is predictable. The sequence is not predictable.
– by Warren Buffet
Does having a long term investment horizon really work? How does it benefit investors?
In today’s volatile market why one should stay invested for the long term. Hear Vishal Dhawan speak…
The big money is not in the buying and selling … but in the waiting.
– by Jesse Livermore
Amidst the slow down in Asia’s biggest economy and the world’s second largest economy, the US Fed contemplating a rate hike and Yuan devaluation, what is the likely impact on Indian Financial Markets ? With a credit downgrade by a corporate last week getting a lot of attention, what should be the strategy for your debt mutual fund portfolio. Hear Vishal Dhawan speak…
“If past history was all there was to the game, the richest people would be librarians.”
– by Warren Buffet
With real estate prices down, is this the right time to invest? What should you do with your existing investments in real estate? How should you use real estate to fund your goals? How else can you invest in the real estate field? Watch Vishal Dhawan clear a few of those doubts
“Be Fearful When Others are Greedy, Be Greedy when Others are Fearful.”
– by Warren Buffet
Vishal Dhawan speaks about the Greek debt crisis, its possible impact on financial portfolios and what strategy investors should adopt in this environment.
“Thoughtful Financial Planning can easily take a backseat to daily life”
– by Suze Orman
With the Narendra Modi government completing one year in office this month, Vishal Dhawan shares learnings from this one year for your personal financial plan. Learnings include taking a long term term view on your financial plan, focusing on removing clutter and being disciplined, going global and recalibrating/ introspecting on your personal financial plan each year.
“There are substantial rewards for adopting a regular routine of investing and following it no matter what, and additional rewards for buying more shares when most investors are scared into selling.”
– Peter Lynch
A correction in Indian Equities has come at the right time for the slightly overvalued market. Vishal Dhawan speaks about the strategy for investors who are looking to invest or invested in the equity markets, and the outlook for debt markets.
“The new year stands before us, like a chapter in a book, waiting to be written. We can help write that story by setting goals.”
– Suze Orman
Whilst January may be the time to make resolutions on the personal front and set personal targets, April is a great time in India to set your targets around your personal finances as it is the start of the new financial year. So here is our seven step checklist to get your personal finances in good health.
How has this year been so far for the markets? How will it impact your portfolio? Vishal Dhawan speaks about the things investors should look while building their portfolio?
In the midst of heighted expectations of union budget, Let us know how important it is for individuals like us to prepare their own budget. Click here to know how you can go about preparing your own budget and see the change in your own life.
“Money is not the most important thing in the world. Love is. Fortunately, I love money.”
– Jackie Mason.
When you say, “I do,” it’s for love. Money matters too. Money discussions aren’t always easy for newlyweds. It’s best to approach them with an open mind and as a team. Listen to our conversation on some ways to help successfully unite financial lives of newly wedded couples.
“Let your advance worrying become advance thinking and planning” says Winston Churchill. Planning to visit your dream destination but confused on how to manage your finances? Vishal Dhawan spots some ideas on how you should plan your dream holiday.
“ Always invest for the long term – Warren Buffet.” Click here to know whats happening currently in the Indian economy and Financial Markets..
“If there must be trouble, let it be in my day so that my child may have peace” – Thomas Paine. Click here to see how to secure your child’s future…
“Price is what you pay. Value is what you get – Warren Buffet.” Click here to know whats happening currently in the Indian economy and Financial Markets..
“Research shows that ‘experiences’ bought with money tend to have more lasting value than ‘things’ bought with money. Click here to see our thoughts on how to spend your Diwali for maximum gains …”
“Understanding how to be a good investor makes you a better business manager and vice versa.” Click here to know whats happening currently in the Indian economy and Financial Markets..
“Equity Markets in the last few weeks have headed one way and that’s upward. Click here to know our view on the equity markets and the simple steps to focus on…”
“There are two times in a man’s life when he should not speculate: when he can’t afford it and when he can”. Click here to know whats happening currently in the Indian economy and Financial Markets..
“Freedom is the oxygen of the Soul” is both one of the simplest and yet one of the most complete definitions of freedom that I have come across. The word freedom evokes a sense of hope, inspiration, choice and joy all at the same time, and could mean very different things to different people………..
“Valuations defines level of risk. It doesn’t help with timing”
– Warren Buffett.
Click here to know whats happening currently in the Indian economy and Financial Markets..
The debate around Euthanasia or mercy killing needs to also focus on what a disability or long term medical condition can do to a family’s finances. Building a medical corpus to provide for medical emergencies , and also taking a good medical insurance cover is critical. Read more to know more about how to go about doing the same……….
“Most times stocks are subject to excessive price fluctuations as a consequence of the ingrained tendency of some people to speculate gamble, giving way to hope, fear and greed.”- Click here to know what’s happening in the Indian economy and Financial Markets..
Bad times never knock and come. Be prepared for the unlikely to happen, prepare a Will so that your loved ones are not left wondering what to do next. View this video to understand why a Will is critical and also get introduced to the concept of a Legacy Drawer……..
“Before you take the Flight”- Vishal’s article in the May 2014 edition of Business Today, sharing his views on short term and long term financial planning needs before you move overseas.
Foreign holidays once a year or every two years, overseas education for children. Your aspirations are global, shouldn’t your portfolio be global too? Watch the video to understand ‘Why’ and ‘How’…….
“In the short run, the market is a voting machine; in the long run, it’s a weighing machine.”- marked Benjamin Graham. Read more how the elections and the expectations around it have played out on Financial Markets…
“Be the Queen of your Finances”- The movie ‘Queen’ is an example of how strong and extraordinary women can be, but the sad part is that they tend to explore their potential when they are forced to do so. Women believe that managing finances is a man’s domain and don’t really participate until circumstances make them do so. Women should take interest in financial decisions as it’s not about money and investments but more about their family’s future.
The four most dangerous words in investing are: “this time it’s different” . Click here to know whats happening currently in the Indian economy and Financial Markets…
“Change the government if you’d like, but don’t change your Financial Plan.” Vishal talks about why you need to have a strategic part of your portfolio which is aligned to deliver your long term goals and financial objectives.
“In the short run, the market is a voting machine; in the long run, it’s a weighing machine”. Click here to know whats happening currently in the indian Economy and Financial Markets…
Is your tax planning looking London, talking Tokyo? Vishal talks on why tax planning should be an integral part of your financial plan and should not be done in isolation.
“You are neither right nor wrong because the crowd disagrees with you. You are right because your data and reasoning are right –Benjamin Graham ”. Click here to know whats happening currently in the Indian Economy and Financial Markets…