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.

These days, it has become very easy to buy goods/services online using computers or smartphones. However, it is your responsibility to buy things only what you need. To quote Warren Buffett on spending, “If you buy things you do not need, soon you will have to sell things you need.” In fact, in addition to buying things for your present needs, you should also invest for your future needs such as Retirement, Old-age Healthcare etc. If not, you will surely regret later in 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.

As per recent research, compared to 1990, an average Indian man is now living longer by 7 years till age 64 and an average Indian woman is now living longer by 10 years till age 68. Even though, you may feel good about this, the sad finding is that they are living their final 8 years in bad health. Therefore, you should invest now not only towards retirement corpus for living expenses in retirement but also towards a separate corpus for healthcare expenses then. After all, health insurance may not come to your rescue then because of very high premium costs yet restricted coverage of treatments. 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.

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.