Author: Valueraj

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

The key to becoming rich is, firstly, you must generate regular savings during your working years and secondly, invest those savings in high-risk, high-return investments such as stocks or stock mutual funds. It does not matter whether your income is low or high. What matters is whether your expenses are much lower than your income or not. In fact, you must optimize your expenses and generate as much savings as possible for investments. Or simply, you must invest first and then spend the rest! Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

Spending your money is not a sin as long as you feel good about it. But, if you borrow and spend for some instant gratification, you may feel bad about it sooner or later. So, in this festive season, use only debit cards for all your shopping and spend only what you can afford. If you use credit cards, be conscious of spending and payback all the balances promptly.If your paybacks are not prompt, penalties are absurdly high in credit cards! Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

Currently, our news media is full of pessimism about global trade, currency and stock markets. However, do note that economic slowdowns and bear markets are natural and temporary in capitalism. If you are a long-term investor in stocks or stock mutual funds, you shouldn’t get carried away with this news flows. You just take them in stride and stick to your Financial Plan. Eventually, you will be rewarded with superior post-inflation, post-tax returns on your investments to fulfill your goals. Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

Unlike in the past, there are plenty of savings/investment/insurance products in the market now. Indeed, these are times when we are confused because we have too many choices. Financial Planning is a process by which clarity is achieved from this confusion. It guides you in selecting right products to meet all your financial goals in future. Financial Plan is like a roadmap for your future finances. Get it done and follow it for peace in your life. Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

When it comes to Financial Products, it is more important to know what not to buy rather than what to buy. One simple thumb rule is, whenever you buy any insurance/investment product, you should do mental mapping of it to meet your family’s financial needs in future. Those needs include children’s education, retirement, health-care, disablement etc. If you can’t map it to any need, but if you still buy it for other reasons like saving taxes, you will be committing a mistake. Few such mistakes can cost you peace of mind in future as you will end up in fire-fighting to meet your needs then! Find above a comic strip on this and we hope you enjoy it.