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.

On average, you can work only 8 hours a day and 5 days a week. On the other hand, if you invest your money in good businesses (represented by stocks or stock mutual funds), it works 24 hours a day and 7 days a week. That means your money works even while you are asleep and creates wealth for you. Once you have enough wealth to generate passive income, you can retire at your own will and wish!

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 money products, there are plenty of banking, insurance, investment and tax products available in the market place these days. Unless you are a finance geek, it is very difficult for you to understand them in detail and select the right products for fulfilling your needs. So, DIY (Do-It-Yourself) is easier said than done and it is better to seek help of a professional associate. Of course, do find one genuine associate and stick with him/her forever!

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.

As we all know, Inflation plays a major role in planning and managing our personal finances. There are two types of inflation. One is Economic Inflation, which gets created by our economy, affects every one and you have no control over it. The other is Lifestyle Inflation, which gets created by you when you upgrade your lifestyle beyond your affordability. But, you can always control your Lifestyle Inflation at zero by living below your means and being proud of that!

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.

As our central government has undertaken significant economic reforms recently, there is lot of optimism regarding India’s economic growth in the coming years. This is reflected in our stock markets as they are steadily rising in recent months and hitting new highs regularly these days. However, do not get carried away with these highs as investing in stocks requires not only your money but also your time and knowledge. If you don’t have time and knowledge, just invest in stock mutual funds!

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 higher education of your children, you now have a choice between government universities and private universities. Although private universities are young and upcoming in India, they are steadily improving quality and accordingly increasing fees every year. Admission in reputed private universities demands not only academic excellence by your children but also financial strength by you. Hence, have a plan now to fund your children’s higher education so as to avoid panic at that time!