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TheWealthWisher (TW2)

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Budgeting

Full Budget 2019-20 Key Highlights & Impact

by Madhupam Krishna

budget 2019 changes, budget 2019 clarifications, budget 2019 details, budget analysis, budget highlights, Union Budget 2019, union budget 2019-20 highlights, union budget 2019-20 india

Budget 2019-20

This is one of the rare years when you have 2 Budget Speeches in one year. Because of general elections, the opportunity was availed by Finance Minister Nirmala Sitharaman to present the Union Budget 2019. Let’s check what this Budget Speech has to offer and its implications for an investor. What a time we areRead More

How to Cope in Times of Financial Difficulty

by Madhupam Krishna

avoiding financial difficulties, budgeting issues, coping financial difficulaty, coping financial stress, financial loss, financial scams, Financial stress, Managing financial stress, strategies to manage financial difficulties, strategies to manage financial stress

Financial Difficulty

Daily we are reading news about Jet Airways, Cognizant, IBM & Siemens cutting jobs. At some point, financial uncertainty can affect anyone. That is why in Financial Planning our motto is – Contingency Fund First, then Investments. But is that it? No, there are few more steps a person can take Financial Difficulties to avoidRead More

Budget 2019 – Analysis for Investors & Taxpayers

by Madhupam Krishna

budget 2019, budget 2019 changes, budget 2019 clarifications, budget 2019 details, budget details

budget 2019

Piyush Goyal cuts the cake that Jaitley baked! Budget 2019, is an Interim Budget as our country goes for General Election in April-May 2019. But it did not lack the attention as it is a race to be popular among political parties. We must look at it in a more refined way. It is not wrongRead More

BSBD Account : A No-Frill Easy Way to Do Banking

by Madhupam Krishna

Basic Saving Bank Deposit Account, BSBD Account, BSBD Savings Account, features of BSBD Account, how to open a bsbd account

BSBD Account

Did you notice that now, for unused or dormant bank accounts, no more we receive message mentioning that we have negative balance figure like “credit balance of -973 Rs”. This is because now banks have a category of savings account called the BSBD Account or Basic Savings Bank Deposit Account. So now dormant accounts withRead More

Struggling on- How to Save Money? Try these 6 hard ways

by Madhupam Krishna

budgeting, household budgeting, how to save money, savings

how to save money

Do you struggle – Not with earning money but saving it? You make a lot of plans and devise lot of tricks but in the end, you have hardly any money to invest. Question – How To Save Money is really bothering you. You curse yourself that you don’t save money then you need toRead More

Role in Financial Planning for Women to Achieve Freedom

by Madhupam Krishna

budgeting & financial planning, financial planning and spouse, financial planning for females, financial planning for woman, financial planning for women, marriage financial planning

Most male readers will not read further thinking this article addresses only females. And few will start guessing why Madhupam is writing this? Valentine is gone, why is he mixing Mars & Venus. Well, do not go by topic, as this article focuses on financial planning for women aspect, but is equally important for maleRead More

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WealthWisher Financial Advisors (Also referred as The wealthwisher.com or TW2) is an Advice platform, where we help an individual, managing personal finance in easy and smart manner & taking informed decision . The person managing WealthWisher Financial Advisors Mr. Madhupam Krishna is a SEBI registered Advisor. Post advise, one can execute transactions with your banker, stock broker or agent/ financial intermediary. We also offer transaction services through various associations, at a substantially lesser cost to our clients, as compared to other financial intermediaries, so that you start your financial plan with savings. WealthWisher Financial Advisors may earn commission or distributor incentives for providing transaction services or referring customers with third party service providers as per customer’s agreement. Our recommendations rely on historical data. Historical/ past performance is not a guarantee of future returns. The information and views presented here are prepared by WealthWisher Financial Advisors. The information contained herein is based on our analysis and upon sources that we consider reliable. We, however, do not vouch for the accuracy or the completeness thereof. This material is for personal information and we are not responsible for any loss incurred based upon it. This document is solely for the personal information of the recipient. The products discussed or recommended here may not be suitable for all investors. Investors must make their own informed decisions based on their specific objectives and financial position and using such independent advice, as they believe necessary. While acting upon any information or analysis mentioned here, customers may please note that neither WealthWisher Financial Advisors nor any person connected with any third party companies or service providers of WealthWisher Financial Advisors, accepts any liability arising from the use of this information and views mentioned here. Each recipient of this document should make such investigations as they deem necessary to arrive at an independent evaluation of an investment in the securities of the companies referred to in this document (including the merits and risks involved), and should consult their own advisors to determine the merits and risks of such an action. Stocks in the equity portfolios are filtered at various levels. Initially, the stocks are filtered on the basis of the size of the company and the sector of the company. The company's fundamental parameters are tested using various parameters related to inventory days, employee cost, power cost, taxation etc. Finally, the volatility in the price performance as well as the future growth prospect is viewed and accordingly the stocks are classified in various portfolios. While building Mutual funds portfolio, factors like size of the funds, the historical performances (return) of the schemes, expenses ratio ,the sector in which the scheme invests and volatility are considered.
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