by Vidya Kumar | Mar 28, 2017 | Financial Literacy, Retirement, Vidya Kumar
Executive Summary: Some financial mistakes that we make when we are young can have a negative impact in our retirement years. If you do not save and invest in time or invest in very low risk low return assets, your investments will not be enough to fund retirement. If...
by Vidya Kumar | Feb 24, 2017 | Ayush Bhargava, Financial Literacy, Tax saving, taxation
Ayush Bhargava. EXECUTIVE SUMMARY: We are in the middle of the tax saving season during which every year mis-selling of the financial products increases. People blindly invest into insurance policies, tax saving mutual fund schemes (ELSS) & other schemes...
by Vidya Kumar | Feb 7, 2017 | Financial Literacy, Vidya Kumar
Executive Summary- A financial advisor helps the client to develop a comprehensive financial plan. You can get the best of his advisory services if you collaborate with him as one players of one team. You can give him updated relevant information and get regular...
by Vidya Kumar | Nov 10, 2016 | Financial Literacy, Vidya Kumar
It is important to have an objective and transparent view of one’s financial health. Financial ratios like liquidity ratio, debt service ratio, solvency ratio, savings ratio and investments to net worth ratio help to understand the true picture one’s...
by Vidya Kumar | May 6, 2016 | Financial Literacy, Money, Smitha Hari
Now let’s talk about Overconfidence. In simple words, overconfidence refers to the quality of having more confidence than you should, and as a result, you misjudge your ability or knowledge about a specific case. In life, this can often land you in trouble,...
by Vidya Kumar | Dec 8, 2015 | Financial Literacy, Smitha Hari
Executive Summary: Mental Accounting is a concept wherein one separates money based on their source or use or separates their assets into safety buckets and risky buckets. Also known as two pocket theory, this concept relates to dealing with money differently which is...
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