Most salaried individuals believe that a steady paycheck and regular savings are enough for financial security. But the numbers tell a different story. According to a CareEdge report, household savings dropped to 18.1% of GDP in FY-24, while liabilities have increased to 6.2% of GDP. A structured financial plan helps salaried earners convert income into […]
Introduction Money decisions have never been more confusing.On one side, you keep hearing how everyone’s investing; on the other, you’re not sure if you’re doing enough or doing it right. Recent surveys reveal a telling pattern.According to SEBI’s Investor Survey 2025, 63% of Indian households know about market-linked investments, yet only 9.5% actually invest. And […]
Buying your first home is one of life’s biggest milestones, a blend of excitement, pride, and long-awaited independence. But in the rush to turn this dream into reality, many first-time buyers underestimate one crucial element: financial readiness. According to a Finology report, in the last few years, affordability has worsened sharply. Between 2020 and 2024, […]
Owning a home is one of the most emotional goals for Indians, a symbol of stability, independence, and success.But emotions alone can’t fund a purchase that often becomes the single largest expense of a lifetime. Most buyers focus only on loan eligibility, not on long-term readiness. According to the 2024 PwC–Perfios “How India Spends” report, […]
Most Indians believe ₹1.3 crore is enough for retirement. Financial experts say this is dangerously low. The reality? 57% of people think their retirement money will run out in just 10 years. Here’s the thing: unlike the West, India lacks robust social security systems. Most of us rely on EPF, family support, or personal savings […]
One of the most common questions people ask is, “When should I start financial planning?” Some think they need a high salary first. Others wait for marriage or kids. Many postpone it until their 40s when retirement feels closer and chase big retirement planning numbers at the end phase of their earning stage. But here’s […]
Financial planning is a structured approach to managing your money with the aim of achieving both short- and long-term life goals. It goes beyond simply saving or investing—it’s about understanding your current financial position, anticipating future needs, and making informed decisions that align with your aspirations. At its core, financial planning helps bring order and […]
Picture this: Your 3-year-old is playing with blocks today. In 15 years, when they’re ready for college, that engineering degree you’re hoping to fund? It won’t cost the ₹15 lakh you see advertised today. Try ₹62 lakh. Education costs in India are rising at 10-12% annually — nearly double regular inflation. What costs ₹10 lakh […]
You don’t need to be a finance expert to start planning your future. With a clear process and a bit of structure, you can take control of your money and move steadily toward your goals — step by step. Financial planning isn’t just about choosing investments. It’s about understanding where you stand today, defining what […]
Remember when a litre of milk was ₹25 or when a Delhi Metro ticket cost ₹10? Today, you’ll probably pay double, sometimes more. Prices have been inching up every year, and that’s inflation quietly doing its job. Inflation is the rate at which prices rise over time”. According to IMF data, the inflation rate in […]
