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.

We all know the old adage ‘Fortune favors the brave’. However, this is true only in case of entrepreneurs. Whereas for investors, it should be ‘Profit favors the patient’. This is especially true for investing in stocks (or stock mutual funds). Despite all the political and economic upheavals in the past 20 years i.e. from 01-Apr-2004 to 31-Mar-2024, our NIFTY50 Index (i.e. Index Fund) has given annual returns of 13.51% versus annual inflation of 5.98% in the same period. 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.

As you know, there are many aspects involved in your personal finances including savings, investments, insurance, loans, taxes etc. Amongst these, when it comes to filing taxes, even though you may seek help of an associate, you must take primary role as only you are answerable to government on your income tax returns filed. On the other hand, for all other aspects, you may allow your associate to take primary role by choosing yourself to take secondary role. Of course, if you are not satisfied with your associate, you can always fire him! 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.

In theory, Debt is good if used for acquiring assets and Debt is bad if used for consumption needs. But, in practice, it is very rare that individuals like you can acquire assets fast by availing debt. In fact, as you pay back Loans/EMIs for long, you create assets and wealth for bank shareholders rather than to yourself. That’s why Wealth Creation begins for you only when you become debt-free and invest as much as you can. 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.

If you are a busy person, self-education on personal finances is not easy. If you don’t love numbers, you may find it hard to understand and do comparative analysis of returns such as simple returns, compound returns, rolling returns, real returns, post-tax returns of savings/investment/insurance products for you. Hence, the only education you need is how to find a good associate and avail his/her professional services. Of course, beware of selfish associates too! 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 now so many types of financial products related to Savings, Investments, Insurance and Loans. For example, FD, RD, ETF, MF, AIF, NPS, ULIP, ULPP, REIT, SGB, IINSS are some of the types which in turn have so many products for you. Each of these products are rigorously designed by providers and duly approved by regulators. As such, there are no wrong products, no right products! It is up to you to understand them and select right products to fulfill your own needs. If you can’t select confidently, do consult a financial associate. Find above a comic strip on this and we hope you enjoy it.