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basics of financial planning

Financial Planning Awareness – An Uphill Task

by Madhupam Krishna

basics of financial planning, financial advisor, Financial Discipline, financial education, financial literacy, Financial Planning Awareness, Financial Planning Awareness camps, Financial Security

Financial Planning Awareness

The last 74 years’ independence set me thinking about the changes & progress our country has made. You like it or not, you notice or pass – the changes are for good. Awareness especially in Financial Planning has ever been so important as it is now. We need to spread Financial Planning Awareness, Financial DisciplineRead More

How to Create Wealth? A DIY Series to Learn Wealth Creation Basics- Part -4

by Madhupam Krishna

basics of financial planning, beginner, budgeting, CIBIL, credit cards, credit reports, credit score, debt, investments, net worth, savings

This is Part 4 of the series-  How to Create Wealth – Do-It-Yourself Way. A recap- we learned how to  Start Creating Wealth by calculating our Net Worth and identifying Assets & Liabilities in Part 1. Then we progressed to making Budgets, do Budgeting and knowing Savings potential in Part 2. We further went aheadRead More

Simplifying the Rule of 72

by Madhupam Krishna

basics of financial planning, beginner, budgeting, investing tips, investment musings

  I am sure you know the thumb rule of 72. We all use it to know when we can double the money or what rate of returns we ought to earn to double our money. But do you know why 72 is used and not other numbers like 71 or 72? Well, it dependsRead More

Angelina Jolie & Household Budget

by Madhupam Krishna

basics of financial planning, budgeting, household budgeting, spending

Won’t say Angelina Jolie is expert at budget, especially after hearing that her marriage ceremony with Brad Pitt cost millions, but this caught my eye when she said this in an interview with CNN in 2005- “Save one-third, live on one-third, and give away one-third.” – Angelina Jolie Now, I am a huge fan ofRead More

All Questions Answered on Retirement Planning – Part 2

by Madhupam Krishna

basics of financial planning, basics of retirement planning, financial planner

This is the second part, where all your questions on Retirement Planning are being answered, we plan to dig deep in terms of planning the retirement. There are questions like what’s the correct age to retire, what time plan should be implemented, who can assist me in planning etc… here we start one by one:Read More

Automated Savings Plan

by Madhupam Krishna

basics of financial planning, beginner, budgeting, investing tips, savings account, spending

Aren’t these two words “Savings” & “Automatic” antonyms? Can savings happen automatically? My answer is with you – No. Savings do not happen automatic because of the very human nature of “pleasing yourself first”. One tries to dodge all hard functions first and tries to shift/delay the real painful measures. But we all know savingsRead 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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