Financial Planning
Latest news, explainers and analysis on Financial Planning. Tracking 71 stories on Arth Vani.
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Latest on Financial Planning
BreakingCouples in Their 40s: Why a Dual Portfolio Strategy Makes Financial Sense
Couples in their 40s can benefit significantly by adopting a 'two-portfolio household' approach, rather than pooling all finances. This strategy helps align individual financial goals, optimize risk profiles, and maintain clarity over diverse investment objectives like retirement and child's education.
BreakingUnlock Wealth: How Small, Consistent Investments Can Supercharge Your Portfolio
Building significant wealth doesn't always require large sums upfront. Global financial discussions, including insights shared by CNBC featuring Jim Cramer, highlight that small, consistent investments, when compounded over time, are key to substantial wealth creation for retail investors.
BreakingF.I.R.E. Strategy: A Guide to Planning Your Early Retirement Corpus
The F.I.R.E. (Financial Independence, Retire Early) strategy empowers individuals to achieve financial freedom sooner than traditional retirement age. It focuses on aggressive saving and strategic investing to build a corpus large enough to cover all living expenses without active employment.
Breaking₹30 Lakh Salary, ₹50 Lakh Car: Why EMI Alone Doesn't Define Affordability
Even with a high income like ₹30 lakh annually, purchasing a ₹50 lakh car might strain a household budget if only the Equated Monthly Instalment (EMI) is considered. Financial experts advise looking beyond just EMI affordability to understand the true cost and its impact on overall financial goals.
Breaking28-Year-Old Saves ₹6.35 Lakh Annually With Disciplined Money Habits
A 28-year-old Indian woman has successfully saved a remarkable ₹6.35 lakh in a single year by consistently applying nine specific money-saving techniques. Her achievement highlights the power of financial discipline and strategic planning for young professionals aiming to boost their savings.
Nearly 4 In 10 Malaysian Workers Lack Savings Buffer, Highlighting Financial Vulnerability
A recent report from Free Malaysia Today indicates that close to 40% of Malaysian workers do not have any savings buffer, making them highly vulnerable to financial shocks. This highlights the critical importance of maintaining an emergency fund, a lesson applicable to individuals across all economies, including India.
BreakingParents Saving ₹10,500 Monthly for Toddler's & Baby's Pensions: Early Start Benefits for India
A UK family is reportedly saving £100 (approximately ₹10,500) monthly into pension funds for their toddler and baby, highlighting the significant advantages of starting long-term financial planning early for children. This strategy underscores the power of compounding and its potential to build substantial wealth over decades for future financial security, a principle highly relevant for Indian parents.
BreakingHidden Costs Can Increase International Travel Budgets by 25-40% for Indians
Many Indian travellers often overlook crucial 'hidden costs' when planning international journeys, leading to significant budget overruns. These uncounted expenses, such as local transport, dining, and miscellaneous fees, can inflate the overall trip cost by 25% to 40%. Proper budgeting for these elements is essential to avoid unexpected financial surprises and ensure a smooth travel experience.
BreakingEPF: Interest After Leaving Job Could Be Taxable, Even if Balance is Tax-Free
While your Employees' Provident Fund (EPF) balance usually remains tax-free after five years of service, interest earned on it *after* you've left your employment might be considered taxable. This interpretation, supported by some Income Tax Appellate Tribunal (ITAT) rulings, is crucial for individuals planning or undergoing career breaks.
MP Govt Sets Oct 22 Deadline for Second Supplementary Budget Proposals
The Madhya Pradesh government has announced October 22 as the deadline for state departments to submit proposals for the second supplementary budget of the current financial year. This process allows departments to seek additional funds for unforeseen expenses or new initiatives beyond the original annual budget.
Indian Depositors Opt for Longer Fixed Deposit Tenures
A recent trend indicates that Indian depositors are increasingly choosing longer-term Fixed Deposits to secure their capital. This move suggests a preference for stability and potentially locking in current interest rates for an extended period.
BreakingLifestyle Inflation Risks Eroding Your 2026 Salary Hike, Warns Value Research
Value Research highlights that unchecked lifestyle inflation could significantly diminish the impact of future salary increases, including potential hikes in 2026. This common financial pitfall involves a gradual increase in spending in tandem with rising income, often leaving individuals with no improved financial standing despite earning more.
BreakingLife-Cycle Mutual Funds vs. DIY: What's Best for Your Long-Term Investment Goals?
Life-cycle mutual funds automatically adjust your asset allocation over time as a financial goal approaches, offering a hands-free approach to investing. In contrast, a DIY portfolio gives investors complete control to manually manage their money across equity, debt, and other asset classes like gold ETFs. Experts weigh in on which strategy might be more suitable for long-term financial goals, potentially spanning 30 years or more.
BreakingET Wealth Expo 2026 to Target Family Decision-Makers, Affluent Professionals, New HNIs
The ET Wealth Expo 2026, a two-day event, is set to gather various wealth builders across India to explore strategies for wealth creation and management. It will cater specifically to family decision-makers, affluent professionals, and new high net worth individuals. Participants can expect expert-led sessions designed to enhance their financial strategies for growth and security.
PRIM Wealth Expands Services to Reach Broader Segment of Indian Investors
PRIM, a prominent wealth management firm, is lowering the entry barriers to its advisory services to cater to a wider pool of retail and affluent investors. The move aims to democratize professional financial planning and portfolio management beyond the traditional High Net Worth Individual (HNI) segment.
Exploring 5.16% Savings Rates Abroad: What Indian Investors Can Learn
A recent report from moneyweek.com highlights savings rates reaching up to 5.16% in foreign markets. While this specific rate may not be available in India, it prompts Indian retail savers to review their own investment strategies for optimal returns. Understanding various options and factors like safety and liquidity is crucial for maximising savings in the Indian financial landscape.
Breaking₹1 Crore Term Insurance: Why Claim Settlement Ratio Matters Most
For high-value term insurance policies like ₹1 crore, an insurer's Claim Settlement Ratio (CSR) and low repudiation volume are paramount. This ratio indicates the likelihood of your family receiving the full sum assured, making it a critical factor when choosing a life insurance provider in India.
SIFs Mark One Year With Strong HNI Demand
Specialised Investment Funds (SIFs) have completed their first year in operation, attracting significant interest from High Net-Worth Individuals (HNIs). This strong demand highlights a growing appetite among affluent investors for these particular investment products.
BreakingWoman Inherits ₹98 Lakh Bonds, Faces Tax on 30 Years of Unreported Interest
A 63-year-old woman inherited US savings bonds worth $118,000 (approximately ₹98 lakhs) from her late father, only to discover a substantial tax liability on 30 years of interest he never reported. This situation underscores the critical importance for inheritors to understand the tax implications of inherited assets and ensure financial transparency.
India's Wealth Management Market Poised for $436 Billion; Emkay's AUM Decline Noted
India's wealth management market is projected to reach a significant US$436 billion, indicating strong growth potential. This outlook comes as a report also highlights a 14% decline in Assets Under Management (AUM) for Emkay.
BreakingIndia's Wealth Management Market to Hit $436 Billion by 2034: Emkay Report
India's wealth management market is projected to grow 2.5 times, reaching $436 billion by 2034, according to Emkay Wealth Management. This significant expansion signals growing affluence and increasing demand for sophisticated financial advisory services among Indian investors.
CA Warns Indian Investors to Be Cautious of Bad Financial Advice Sources
A Chartered Accountant (CA) has issued a significant warning to Indian investors, highlighting the presence of three specific but currently undisclosed sources of poor financial advice. The CA emphasized the crucial need for individuals to exercise extreme caution and diligence when selecting who to trust with their personal finances and investment decisions.
Indian Couple Saves Money in Hong Kong, World's 'Most Expensive City'
A recent Livemint report highlights an intriguing case of an Indian couple successfully managing to save money while living in Hong Kong, widely recognized for its extremely high cost of living. The article from Livemint details their unique financial strategies that defy the city's expensive reputation.
BreakingFeeling Behind? Man With ₹50 Lakh Net Worth At 30 Lacks Car, Home, Feels Inadequate
Despite accumulating a net worth of ₹50 lakh by age 30, an Indian man reports feeling 'behind' his peers because he doesn't own a car or a house. This situation highlights the often-complex psychological aspect of personal finance, where societal expectations can overshadow significant financial achievements.
Mutual fund data is sourced from AMFI and shown for information only — funds are subject to market risks. Read all scheme-related documents carefully. Some listings may be sponsored. Not investment advice.