Sapan Consultancy

Make this ur New year Financial resolution and If possible follow it in 2017..

1. 30 % of your income must be used for monthly living expenses.
2. 30% of your income must be used for Liabilities repayments, if any..(I prefer zero Liabilities)
3. 30% of your income must be SAVED and INVESTED for your future LIVING.
4. 5% of your income must be spared for entertainments family vacations and 5% in helping needy ones or in God Seva puja.
5. 6 months expenses must be available for emergency fund (should be invested in LIQUID FUND, FD Etc)
6. Home loan must be registered and apply on both husband and wife name. (Both can get benefits on Home loan Tax benefits)
7. Buying second house for investment is not advisable ( Survey reports - it will fetch you only around 3% return) so I prefer commercial property investment.
8. After 45 years of age, not supposed to enter into any BIG LIABILITIES (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)
9. Have joint account @ Bank savings account.
10. Property must be registered on both Husband and wife name. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)
11. Regular check on Nominations at all financial instruments. if not nominated, do it now..
12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement
13. Must have Term Insurance to financially secure future of your dependants..cover should b abv 1 cr.
14. Don’t take any financial investment decisions EMOTIONALLY, and also Avoid last minute tax saving investment decisions, plan well in advance..
15. MEDICLAIM is must (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)
16. For your jewelry LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.
17. Like same way Government guaranteed only one lakh for your FD also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)
18. Must know all Tax implications. You cannot avoid paying tax. But you can minimize by way of tax planning and investments..
19. All financial documents must be kept safely and keep family members informed of the same..
20. Financial investments must be followed through personal financial advisor..
21. Review your portfolio at every six month..

These are my planning, personal Finance and investment decisions depends upon case to case.

Have a Healthy and Wealthy 2017..

D MAIN REASON WHY PEOPLE DONT MAKE MONEY IN STOCK MKT IS TWO REASON ONE IS OVER TRADING OBVIOUSLY AND SECOND ALL BULLS GETS OVER EXITED AT 70 75 RSI AND ALL BEARS GETS OVER EXITED AT 25 30 RSI AT 9000 ALL R SUPPER BULLISH AND AT 8000 ALL R SUPER BEARISH VERY FEW PEOPLE KNOWES TECHNICALS ALL GETS EMOTIONAL AND SENTIMENTAL BHAAV BHAGWAAN CHHE

RBI surprised all

TO BE OR NOT TO BE!

RBI Governor in his maiden policy had a very tricky decision to make, to cut the interest rate to pave the way for the growth or to hold the temptation ahead of US FED rate hike.

After demonetization, it was imperative for the RBI to take a call on the interest rates. As demonetization has resulted into some disruption in the industry and derailment of demand in the short run. Rate reduction would have helped Industry to bring back the demand momentum thru artificial liquidity. This rate reduction would have paved the way for the quicker recovery from the slow down impact of Demonetization.

Governor has taken the call to hold the temptation ahead of FED meeting. By not increasing the rate RBI Governor is looking more extrovert and is concerned about the international volatility. One of the reason of not reducing Interest rate could be possibility of FED increasing the rate in the next week's meeting. If the rate hike in US happens then that will increase the probability of flows moving away from EM and into US treasury. With the reduction of domestic interest rates there would be additional outflow from Domestic debt as the gap between risk adjusted return in domestic debt vs US treasury reduces substantially.

This is a good tactical call as this will still leave a chance with RBI Governor to see how the global economy reacts to FED move and then take a call on domestic Interest rates.

While street was expecting a rate cut, Nifty and Bank Nifty reacted sharply on the downside to have recovered quite a bit almost immediately. Nifty is trading at such a level where down side risk is limited and street seems to have taken a change in economy in its stride. Nifty may not fall much from here and every knee jerk negative reaction should be used to add the equity allocation.

*Home Loan @ 0% Interest*

*Do you know❔*
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💢You can get back all your Home loan interest you pay through EMI's.

*How❔*
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💢 If you avail Home loan of 10 lacs for 20 years with an interest rate 9.5% your.....

Monthly EMI: Rs. 9,321.31/-
Principal Amt : Rs. 10,00,000/-
Interest Payable : Rs. 12,37,144/-
Total Amt Payable: Rs.22,37,115/-

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💢 Now to get back your interest you just have to keep aside 0.10% of your home loan amount.
ie 0.10% of 10,00,000/- is 1,000/- per month till the tenure of your home loan.

*Start an SIP Till the tenure of your home loan with the amount you are keeping aside. (ie Rs. 1,000/-)*

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💢what will be value of Rs. 1,000 pm @15% if invested through SIP❔

After 20 years➡

Principal Amt: Rs. 2,40,000/-
Value@ 15%: Rs. 14,97,239/-

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In Home Loan you pay an Interest of Rs. 12,37,144/- in 20 years.
While in *Mutual fund SIP* you generate a wealth of *Rs. 12,57,239/-* which is more than the Interest amount you are paying in next 20 years.

🎯 *Start your SIP now and enjoy interest free home loan.*

D NDA Govt has unleased a series of measures thru Reforms 2 drive d Economy,which hv all been hailed by d Industry as 'Game changers'.Yet variables like Corporate earnings,Growth,Inflation etc hv not really been upto our expectations.So what hv been leading Reforms measures taken by d Govt-'Make in India',UDAY 4 Power sector,Indradhanush 4 Banking sector,PM Jan Dhan Yojna,Insurance schemes,Payments Banks,Small Fin Banks,MUDRA 4 Financial inclusion,Start up India initiatives,Skill India,New crop insurance scheme,FDI Hike in Insurance,Defence,Railways,Labour Reforms,creation of NIIF 4 Infrastructure creation-d list is fairly long,at almost 1 major reform a month.other initiatives likr Digital India,Swachh Bharat r all progressive ones.Coal Auction n Telecom Auctions were carried out quite smoothly,all these hv been done by sticking 2 Fiscal tgts,in addition,there has been rationalisation of Subsidies which helps in adhering 2 FRBM Norms.ostensibly,there r 3 points that r now being touted as action points viz.GST,Land Reforms n Environment.....D time has come 4 Investors n Entrepreneurs 2 stop complaining n take advantage of all d good work that has been done by d Govt,we need 2 show that we react 2 +ve impulses from d Govt before asking 4 more,there is evidently need 4 introspection when every 1 asks 4 more:Chief Economisr,CARE Ratings.GM.

As simple as this.....

Know what you own, and know why you own it." - Peter Lynch
Do your homework before making a decision. And once you've made a decision, make sure to re-evaluate your portfolio on a timely basis. A wise holding today may not be a wise holding in the future.

"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." - Robert Kiyosaki
If you're a millionaire by the time you're 30, but blow it all by age 40, you've gained nothing. Grow and protect your investment portfolio by carefully diversifying it, and you may find yourself funding many generations to come.

"The individual investor should act consistently as an investor and not as a speculator." - Ben Graham
You are an investor, not someone who can predict the future. Base your decisions on real facts and analysis rather than risky, speculative forecasts.

Dear All ,

Plan Today for peaceful retirement.

?Average Expense per month in respective year
1920-Rs.1
1940-Rs.10
1960-Rs.100
1980-Rs.1000
2000-Rs.10,000
2020-Rs.1,00,000
2040-Rs.10,00,000

?Per KG Cost of Rice year wise
1970-Rs.1
1980-Rs.3
1990-Rs.8
2000-Rs.17
2010-Rs.36
2020-Rs.90
2030-Rs.200
2040-Rs.450
2050-Rs.1000

?Life Expectancy of an average indian:
1970-48.8yrs
1980-55.1yrs
1990-58.2yrs
2000-61.3yrs
2010-66.5yrs
2020-72yrs
2030-85Yrs

?Facts of Health & Human services survey for age grp 60-70yrs
?54% dependent on others
?36% has died at age of 65 due to lack of medical treatment.
?5% still working
?4% Independent
?1% Wealthy

?What is your Retirement year?

?Have u planned your Retirement fund?

?70% of old age population are suffering due to lack of money &also under verbal,physical Abusement...

Look What Investment Guru Said.....

"Every once in a while, the market does something so stupid it takes your breath away." - Jim Cramer
There are no sure bets in the world of investing; there is risk in everything. Be prepared for the ups and downs. (To read more on how Cramer makes his pick, see Cramer's 'Mad Money' Recap: Tools of the Trade.)