Category: Our Blogs

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.

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.

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.

Gone are the years when your money matters were supposed to be confidential and personal to you. In these days of PAN/AADHAAR/FATCA links to all your transactions, it is practically not possible to maintain the privacy of your money matters. Hence, if you think your personal/family finances are not on right track, just make them open and consult a financial associate for a financial plan so as to keep your finances always on right track. 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 India, it is our tradition that parents bear all the costs and conduct the weddings of their children as major family functions. However, due to rising costs, this tradition can cripple the finances of parents and push them into debts too. Hence, if you are a parent, do plan your finances now and start investing towards fulfilling this responsibility in future. The funds then will surely let you celebrate the occasion much more gracefully than otherwise. Find above a comic strip on this and we hope you enjoy it.