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Here are some steps to follow for successful Financial Planning;

Setting ideal Goals
While planning your finances, define your financial goals. For instance, you need to prioritize the most important goals in your life and work vigorously to achieve them. For example, if you set a goal of buying a house worth Rs 1 crore by the age of 45, and you are 30 years old now – Then you have 15 years to achieve this target. Now, all you need to find out is how much you have to invest and what kind of returns you need to earn.

Creating a Budget for your Expenses
To achieve your goals on time and securely, experts suggest investing as much as possible. And when you cut down on your discretionary spending or avoidable expenses, you will be able to invest more. By creating a budget you will be able to manage these expenses better.

Where to Invest
If you are investing for long-term goals you can look into equities, whereas low-risk products like fixed deposits or Debt Funds can be looked at for short-term goals. Industry experts suggest an individual’s investment plan should have a mix of different assets like equity, debt, gold, as well as international investments. The mix of this asset allocation will depend on your risk profile.

Rebalancing
What most people don’t understand with investing is – it is not a one-time thing that you create and forget. Investors need to keep tracking their investments and progress towards different goals. You also need to change allocations and close/change investments that are underperforming and include emerging investment opportunities. Rebalancing your asset allocation is also necessary from time to time.

22/07/2022

While the outlook on price stability is clouded by external conditions, inflation appears to have peaked, Reserve Bank of India (RBI) Shaktikanta Das said on Friday. “As it would appear, I’m again reiterating, as it would appear, inflation appears to have peaked and it has moderated from 7.8% to 7.04%. Now it is at 7%. So it is a very volatile situation,” Das said, speaking on the sidelines of a banking conclave organised by Bank of Baroda (BoB).

The governor observed that commodity prices have softened in June, but they are still quite high. Whether they sustain at the current levels or whether they bounce back again or ease off will depend on a number of factors. Das attributed the difficulty in assessing the future trajectory of prices to uncertainties around whether advanced economies are headed towards recession, which could result in demand compression. “These are all uncertainties, but at the same time there’s stimulus being given by large economies. It’s an uncertain environment and we should not rush to any conclusion in such a great hurry,” he said.

The central bank’s research teams are analysing the evolving situation closely, Das added. The RBI has guided for 6.7% inflation during the current year. The monetary policy committee’s (MPC) target is 4% with a tolerance band extending two percentage points on either side. “The projection given till December is that it will be above 6%. Therefore, that is something we will also have to remember. But we are also reviewing it,” Das said.

19/07/2022

Gold prices in India were trading lower on Tuesday, as yellow metal subdued globally on strength in the US Dollar. On Multi Commodity Exchange, gold August futures were ruling at Rs 50,269 per 10 gram, down Rs 92 or 0.2 per cent. Silver September futures were trading Rs 560 or 1 per cent down at Rs 55,532 per kg. Globally, yellow metal edged lower as an uptick in the U.S. dollar and bond yields weighed on bullion’s appeal, with investors awaiting more cues on the Federal Reserve’s rate-hike path, according to Reuters. Spot gold was down 0.2% to $1,706.25 per ounce. U.S. gold futures fell 0.3% to $1,705.30.