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.

As year 2022 is coming to end, it is time to reflect on your investments. In Investing, the default rule for making profits is to avoid crowded investments. If you follow the fancy of crowds, you will only become old, not rich! Develop and follow your own anti-crowd style of investing. This in turn keeps you fearful when others are greedy and also makes you greedy when others are fearful! 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.

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.

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.

Currently, our news media is full of pessimism about global economy, 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.

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.