Niraj is a certified Financial Planner and a Registered Life Planner with a solid experience of more than a decade.
Niraj Nanal Certified Financial Planners. म्युच्युअल फंडाचा बांबू! - Nirajnanal. गुंतवणूक करताना बहुतेकांना म्युच्युअल फंड मध्ये पैसे टाकणे म्हणजे बांबू लावून घेणे असे वाटत असते आणि ते बर्याच अंशी खरेच आहे.
फक्त आधी त्यातील चूक-बरोबर नक्की काय हे जाणलं, तर आपल्याला पश्चात्ताप करायची वेळ येत नाही. चला तर, म्युच्युअल फंडाबाबत सर्वसामान्य माणसाच्या होणार्या सात प्रमुख चुका आपण आधी समजून घेऊयात. पहिली चूक – म्युच्युअल फंड मध्ये गुंतवणूक करायचीच नाही बदलत्या काळाबरोबरच पैसा गुंतवून त्यावर रिटर्न्स मिळविण्याच्या पद्धतींमध्ये आमूलाग्र बदल झालेला आहे. पूर्वीसारखेच पुन्हा त्याच-त्या `घर-एफ्डी-पोस्ट’ मध्ये पैसा अडकून ठेवणे म्हणजे फाईव्ह-जी युगामध्ये पोस्टकार्डावर अवलंबून राहाण्यासारखेच आहे. दुसरी चूक – म्युच्युअल फंडला `दामदुप्पट श्रीमंतीचा एक्स्प्रेस-वे’ समजून चालणे म्युच्युअल फंड म्हणजे `पी हळद अन् हो गोरी…’ अशी `Quick Rich’ स्कीम नव्हे. तिसरी चूक – एकाच वेळी अनेक फंडांच्या स्कीम्स्मध्ये गुंतवणूक बर्याच जणांना एकाच पद्धतीच्या फंडांच्या वेगवेगळ्या स्कीम्स्मध्ये पैसे गुंतवण्यामध्ये जास्त सेफ अन् सिक्युअर वाटतं. पाचवी चूक – काहीही उद्दिष्ट न ठेवता केलेली गुंतवणूक.
Real Estate Quote 2. Real Estate Quote 1. What is your New Year Resolution ??? New Year is a time to make new resolutions.
We all make New Year resolutions; some of us follow through many do not. Rules of Money Have Changed !!! Benjamin Graham Core Principles. Financial Planning for NRI. Checklist Before Landing- Land Investment !! Investing in land is considered to be a quick-rich game by many.
Common stories of how somebody made a fortune through land investment fascinates most of us and though it is true that some people really did a killing in land investment it is not true for all and it is not true all the time. What things you should know about Land Investment Land Investment returns are the function of demand & supply Remember that as applicable to many investments Land Investment moves through cycles which means land prices can come down or remain stagnant for a long period of time and so are your returns and therefore it is very important that you analyse the land pocket you are considering thoroughly and then only take a decision.
Encroachment One of the biggest risks in land investment is an encroachment. Should you Buy or Rent a House ??? This question is faced by many families today and its a point of confusion also.
The decision you will make is going to impact your life in a major way. So consider the following points before you choose House is not an asset This myth is told to us by our earlier generation and many still believe in it. Many people end up buying a house thinking it as an asset where actually they are buying a liability. Please understand that anything to be qualified as an asset it should put money into your pocket. Also, the increase in the value of your house over a period of time(If at all it increases as seen in the last couple of years where the values are stagnant or decreased in some cases ) is only notional.
To know more house nightmare blog Income to EMI ratio. What is missing in Doctor's Financial Plan? A.
Lack of time given to Personal Financial Management:- Many times Doctor doesn’t give sufficient for their Personal Financial management. There can be following reasons for this to happen They are not aware of the importance of Personal Financial PlanningThey think that they know about it & they are on right trackSome Doctors realize the need for looking seriously in to their PFM but they may not find the right advisor. Most of the advisor they come across are only interested to sell them products & make a quick bug so they lose the interest altogether.
B. Many times I observe that the investment done by doctor is very scattered & done in ad hoc manner. C. Who knows the importance of Life’s uncertainty than doctors? Doctors pay huge premium for their Life insurance policies but their Risk cover in most cases is below their actual requirement. D. Does it Make Sense to Generate Black Money???
Many people were/are under impression that if they somehow don’t pay tax on their income or major part of it they are acting very smart.
The recent move by the government has destroyed this belief. But barring that also the generation of unaccounted income (black money) does not make any sense; not just from the ethical or moral perspective but also does not count as great financial wisdom. Let’s try and understand why I say so. First of all, let’s understand that black money is a very complex concept and it includes many things. Ignorance is Bliss in Financial Planning. New Ideas for Investing Money. Here comes ideas for investing money in 2018 Investing is simple but not easy !!!
Please find below the pointers to consider while preparing your investment plan 1.Goals Investing without golas is like travelling without a destination..Some may argue that the nomads of the world travel without destination but if you are the one who want to reach somewhere worthwhile then you need a destination. Financial Planning - How to Start??? Do you feel confused about how to take control of your financial situation?
Do you think your finances are in mess? Then start with this simple process The first step is to accept that your financial planning is not in place and you need to do something to fix it. Living in denial will not lead you to progress. Should you prepay your HOUSING LOAN? - FB LIVE SESSION BY NIRAJ NANAL.
Insurance Planning Pune. Succession Planning. Financial Planning Services Pune. Nirajnanal presentations. Niraj Nanal on Plurk. Niraj Nanal - Certified Financial Planner. Niraj Nanal Financial Life Planning. Niraj Nanal (@nirajnanal) Niraj Nanal. Have you checked your CIBIL score? - Have you checked your CIBIL score ???
CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. Should you buy a Farm House ! - Farm house ghyaychi house ahe ka?
Clarity of Purpose –Why you want to buy a Farm House? Is it because everybody else is doing it? You find the idea of living in nature quite exciting?