Value Planning

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Value Planning

Value Planning is the trademark of Daniel D'Souza and his team. We provide financial planning servic

We help individuals manage their personal finances and make the right investments. By defining your financial goals and choosing the right investment vehicle for that goal, you are far more likely to achieve your goals. We are a registered sub-broker with ICICI Direct and their online platform allows my clients to easily invest in all financial products from stocks and mutual funds to corporate FD

s and IPOs from anywhere in the world with complete transparency and safety. Our aim is to grow with our clients, providing true value through our investment services rooted in strong values. Daniel D'Souza
(FPSB-certified financial planner)
Financial Planner & Portfolio Manager
Mob: 808 799 4987 Email: [email protected]

10/01/2026

https://www.kiplinger.com/retirement/happy-retirement/declutter-your-life-a-retirement-nonresolution-checklist

Here's how to stop wasting your energy on things that don't enhance your new chapter and focus on the things that do.

18/12/2025

"Make 2026 Your Wealthiest Year Yet

“Wealth is the ability to fully experience life.” - Henry David Thoreau

As you head into 2026, remember that true wealth isn’t a number on a screen. It’s a life you live by design.

It’s built, not found, through a set of small, intentional rules you follow every single day.

Read these 26 rules. Reflect on them. Adopt the ones that resonate with you.

Your wealthy life may be enabled by money, but in the end, it will be defined by everything else."

The Curiosity Chronicle has quickly become one of the most popular newsletters for growth-minded individuals in the world. Each week, subscribers receive a deep dive that covers topics ranging from growth and decision-making to business, finance, startups, and technology. In addition, subscribers re...

01/12/2025

"Each option has its own benefits, but when you compare transparency, regulation, liquidity and long-term cost efficiency, Gold ETFs offer more advantages for most investors looking for straightforward, reliable gold exposure."

SEBI has warned investors about unregulated digital gold. Here’s why gold ETFs offer safer, transparent and cost-efficient exposure while keeping your portfolio stable.

25/08/2025

"You slog, you save, you sacrifice, and yet the numbers don’t scream “wealthy”. ".. "the first 10 years increased your wealth to Rs 23.2 lakh, but the next 10 years added over Rs 75 lakh, all with the same monthly SIP and the same 12 per cent return. That’s the real power of compounding."

SIPs can feel underwhelming in the first decade, but patience pays. See how compounding transforms modest savings into multi-crore wealth over time.

17/07/2025

"Let us understand how policyholders can use these benefits to reduce their tax outgo and secure their family’s financial well-being during medical emergencies."

Section 80D allows taxpayers to claim deductions on premiums paid for health insurance for themselves and their family members. These benefits, however, are only available under the old tax regime

24/06/2025

"... the real reward of compounding isn’t found in statements or screenshots.

It’s found in the quiet decision to stay in the game long after others have left."

Discover how staying invested in SIPs can build crores over time. Learn from a story of patience, compounding and why timing isn’t everything in investing.

23/05/2025

https://www.valueresearchonline.com/stories/224717/best-mutual-fund-invest-rs-15-lakh/
"... every investor has a different time horizon and risk profile.

That's why there is no universal best. There's only what's best for you based on a) your goals, b) your timeframe and c) your risk appetite."

Looking to invest Rs 15 lakh? The right mutual fund depends on your goals, time frame and risk profile, not a one-size-fits-all answer.

09/04/2025

https://www.valueresearchonline.com/stories/223780/stockpicking-strategy-charlie-munger-mental-model/
" Instead of asking, "How can I get rich in the market?" ask, "How can I guarantee financial ruin?"
The answers become obvious: Invest money you can't afford to lose - Chase hot tips and trends. Ignore fees and taxes - panic-sell during downturns. Concentrate on a single sector.
By consciously avoiding these wealth-destroying behaviors, you've already outperformed most investors."

Discover Charlie Munger's mental models, like inversion, that lead to financial success. Learn how to avoid mistakes and make smarter investment decisions.

04/04/2025

https://www.valueresearchonline.com/stories/223817/savings-rate-matters-more-than-high-investment-returns/
Here's a rough idea of how your savings rate affects your time to retire:

Save 10 per cent → Retire in 40+ years
Save 30 per cent → Retire in 24 years
Save 50 per cent → Retire in 15 years

A 25% savings rate with 9% returns builds more wealth than a 5% savings rate with 15% returns. Learn why focusing on how much you save is the key to financial freedom.

19/03/2025

https://www.moneycontrol.com/news/opinion/the-colossal-idiocy-in-the-nifty-pe-ratio-12966885.html
"The aggregate earnings of any index basket across time periods are simply not comparable.

For starters, it is simply because the index constituents change very frequently.

Just to illustrate, between 1995 and present day, of the original NIFTY 50, only 12 - yes, 12 - remain."

'P/E of the Market' concept is absolute baloney. It fails miserably to stand up to any analytical and conceptual rigor. It is simply the dumbing down of what is a very complex science: to figure out what the true intrinsic value of any market, sector or stock is

Address

Magarpatta
Pune
411028

Telephone

+918087994987

Website

http://valueplanning.blogspot.in/

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