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  1. Loan managements-
  • We have seen people having large amount loans, pending dues of credit cards etc, due to this they are not able to save money, not able to grab any best opportunity because of EMI’s.
  • Lack of knowledge on loan management, due to which stuck in loan / debt trap and not able to get tax benefits from loans.
  • Having loan habits so not able to find the way to financial freedom.

To get rid out of it, one need to change the expense habits and also can take best advice from financial advisor on to how to recover through the loan management.

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2.Contingency / Emergency Funds-

  • In uncertain times like COVID, we need to have an adequate emergency funds with us.
  • You need to have detailed Knowledge on the concept of contingency funds so that you are completed ready for unavoidable / uncertain events in life and can take feel more secured.

We as a trusted Advisor, consider Contingency funds at first place before moving ahead of any investment plans.

Fees of child education and higher education is always a top priority for all parents

  • To fulfil demands of child, sufficient funds are required.
  • For adequate funds proper financial plans for child expense is necessity.
  • Many parents not able to plan for child’s higher education due to less knowledge and time.

Here please take expert advice for future goals for child’s education and higher education.

NRIs has good amount of funds here proper financial planning can make you retire rich at young age

  • Taking financial decisions wisely, maintaining the cashflows efficiently and creating best wealth creation strategies can help you to generate more and more passive income sources.
  • Adequate knowledge on NRI Tax benefits in working country is necessary.
  • NRIs mostly focused on Real Estate when its matter of wealth creation, but there are few things then needs to be taken care before taking any major buying financial decision –

1)  Duration – How long they are going to stay in the respective country?

2) Dependants – Does all dependants are financially covered / secured enough?

3) Visa Validity – There are few economic conditions in any specific countries where Visa conditions may vary and if someone having huge loan / debt situation may become challenging.

For more such scenarios, NRIs advised to take professional advice from financial advisor to make proper plan, to get proper tax benefits.

For perfect financial planning understanding our own behaviour, spending habits and psychology behind decisions is important. Hence this is a wider, crucial and most vital concept for every earner.

  • Business financial planning helps to make growth in business.
  • Business financial planning help for proper cashflow management, Risk management.
  • Costing, handling negotiations and increasing profits is a key of any business success.
  • Asset allocation help to make proper investment to achieve financial goals.
  • After diversification of asset allocation,we get proper returns on investment.
  • Asset allocationgive us proper discipline for investment.
  • Major financial decision is a major part of financial life. So, to take proper and correct decision will give proper value for money.

“We have 7+ years experience in Financial Planning”

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Invest n Rich LLP

01

Second Home/ property Buying Decision

2nd home can be become as better investments, but before that need to be sure about that either it is asset or liability.

02

Equity advisory

Share market is better way of investment to achieve the financial goals.

Because of diversification of investment will make road map for to achieve the financial freedom.

Choice of right equity / shares at right time will give compounding returns

03

Cashflow management& Budgeting

Proper budgeting helps to get proper cashflow.

Proper cashflow management helps to achieve financial freedom.

04

Goal base planning

Proper goal base planning gives to achieve financial freedom.

Goal base planning make your investments are set for future goals.

05

Act

To set goals and to achieve financial goals need to take proper financial advice from financial advisor.




Here are some important consequences, why financial planning is necessary -

  • People feel insecurity or instability in jobs / businesses, cut off salaries. Hence overall finances seem unstable.
  • Not having proper direction for investments, retirement, child’s future education/marriage. People are not sure on how much amount of corpus required to achieve future goals and how to generate the corpus in a better manner.
  • Lost money due to wrong financial decisions or unprofessional advice. Here as per risk profiling proper decisions required.
  • Fear of job upgrades, due to lack of knowledge and comfort zone. It impacts on future goals and career.
  • Not able to increase / grow wealth due to lack of time, knowledge & confidence. Due to this losing lots of opportunities available in the market, for this need to take proper advice from a financial advisor for grabbing all the opportunities.
  • Have knowledge but are not able to make any Investments due to huge loans / EMIs, less income or more expense habits.
  • Having fear of losing money in the stock market or not being able to take risks. Here one need to have some diversification in portfolio to take better decision with that better Returns on Investments [ROI]
  • Nowadays FDs / Bank rate of interest is decreasing, due to this not being able to make better ROI. So, we need to change the strategy of investments for better ROI.
  • Not able to handle the lifestyle, due to this facing money management issues.
  • Taking existing jobs for granted, due to this not thinking about passive income or other income sources.
  • Money is not invested due to lack of trust due to some bad experiences.   
  • Investments are not performing well to beat inflation.

Considering multiple factors like this, nowadays Financial plans play a very vital role.