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.

In a democracy like India, there are many criteria for assessing our elected government. The first and foremost is whether it delivers citizen services at the minimum taxes payable by us. That’s because government is the only entity that can avail the ‘law of large numbers’ and ‘economies of scale’ available in any society and cut down the cost of citizen services to the lowest possible. If not availed, we will be unnecessarily paying high taxes!

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.

By human nature, higher the age, lesser is the capacity to take risk in investments. Hence, when you become old, you will have no choice but to go for low-risk, low-return investments. But, when you are young, you have a choice to go for high-risk, high-return investments such as stocks or stock funds. Therefore, You should not buy them only to save taxes nurture your appetite for more risk and achieve higher returns on your investments.

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.

Our financial news media and product marketers are obsessed with recommending ways and means of saving taxes by you while buying financial products. But, in principle, when it comes to buying any investment/insurance products, matching them to your needs is primary and saving taxes is secondary. You should not buy them only to save taxes. After all, paying taxes is not a sin!

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.

Despite none of your faults, your money keeps losing its purchasing power because of its invisible enemy i.e. inflation in the economy. The only way to preserve/grow the purchasing power of your money is to invest it in assets yielding variable returns rather than fixed returns. For example, if invested in stocks (or stock funds) for long-term, your money can generate returns that are sure to beat inflation. Stocks (or stock funds) are risky in the short-term but safe in the long-term!

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.

Loans are like overweight of your body. Easy to get but difficult to get rid of. So, instead of paying back any loans over long periods, you should consciously pay them back as soon as you can. Only when you are freed from loans/EMIs, your cash flows will improve and make you feel rich. In fact, feeling rich does not depend on whether your income is high or not. It rather depends on whether you are debt-free or not!