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TheWealthWisher (TW2)

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budgeting

The Good & Bad of Revenge Spending

by Madhupam Krishna

budgeting, Budgeting after covid, Revenge Spending

Revenge Spending

Look at the picture below in this article … a place like Manali has no hotel rooms and parking space to park the cars. The Prime Minister of the country has to come out, hold hands and advise people to behave properly. Classic case of Revenge Spending by a nation! Many Indian’s consider COVID asRead 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

Managing Parents Finances

by Madhupam Krishna

Aging parents checklist, automated payment, budgeting, helping parents manage their investments, managing parents money

managing parents finances

Many parents like mine need a handholding and care. I noticed this when last week I visited a “sarkari bank” with my parents to renew Life Certificate (for pension). I met many elderly couples and singles who are struggling with issues like depleted PAN card or inability to write a simple application or fill theRead More

The Concept of Stealth Wealth

by Madhupam Krishna

budgeting, minimalism, savings, simple living, stealth wealth

stealth wealth

Stealth Wealth is basically not to show that you are wealthy. Now, what is this? What is the problem in showing that you are gifted by god? And, some of you may even say- I don’t show off, it’s my lifestyle. So knowingly or unknowingly you find yourself running this insane race of brands, plasticsRead 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

How to Create Wealth? A DIY Series to Learn Wealth Creation Basics- Part 2

by Madhupam Krishna

budgeting, expenses, household budgeting, income, net worth, planning

This is part 2 of the Series – Create Wealth – A DIY (Do-it-yourself) way. In this Part 2, we shall focus on taking it forward and get to know more pillars of Wealth Creation. This time, we cover Budgeting. Budgeting is important because it takes you to Savings. So, with a budget, you can know your saving potential.Read 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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