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.

As our central government has undertaken significant economic reforms recently, there is lot of optimism regarding India’s economic growth in the coming years. This is reflected in our stock markets as they are steadily rising in recent months and hitting new highs regularly these days. However, do not get carried away with these highs as investing in stocks requires not only your money but also your time and knowledge. If you don’t have time and knowledge, just invest in stock mutual funds!

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.

When it comes to higher education of your children, you now have a choice between government universities and private universities. Although private universities are young and upcoming in India, they are steadily improving quality and accordingly increasing fees every year. Admission in reputed private universities demands not only academic excellence by your children but also financial strength by you. Hence, have a plan now to fund your children’s higher education so as to avoid panic at that time!

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!