BnvesT

18/08/2025

Age 40years monthly income ₹1 lakh✅

1. Term Insurance (Life Cover)
• Rule: Income ka 15–20x cover hona chahiye.
• Income ₹1L per month → Annual ₹12L.
👉 Term Insurance = ₹2–2.5 Crore ka cover.
Premium approx ₹18k–25k yearly (company, rider, health condition pe depend karega).

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2. Health Insurance
• Apne liye ₹10–15L ka cover (individual) ya family floater le lo.
• Agar family (spouse + 2 kids + parents), toh ₹20–25L floater lena safe hai.
👉 Premium ₹20k–40k yearly ke aas paas.

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3. Emergency Fund
• Rule: 6 months expense.
• Expense maan lo ₹50k–60k per month (saving rate 40–50%).
👉 Emergency Fund = ₹3–4 Lakh.
Isse liquid fund + savings account FD me rakho.

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4. Investments Allocation (Diversification)

Monthly investable amount (income 1L – expenses 60k) = ₹40k bachta hai.
Usko aise tod sakte ho 👇

🔹 Equity Mutual Funds (SIP) → 40% (₹16k)
• Large Cap + Flexi Cap + Index Funds
• Long-term wealth creation

🔹 Debt / Fixed Income → 25% (₹10k)
• Debt Mutual Fund / PPF / FD
• Stability & safety ke liye

🔹 Gold (ETF / SGB) → 10% (₹4k)
• Inflation hedge

🔹 Real Estate / REITs → 15% (₹6k)
• Diversification

🔹 International Equity Fund → 10% (₹4k)
• USD exposure, risk hedge

10/08/2025

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05/08/2025

Financial Awareness For Every Indian🇮🇳📈 .official

Financial Awareness For Every Indian
📊 Know the Right Way to Build Wealth
👇 Swipe to Learn More

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💰 What Most People Do:
✅ Buy 1 LIC policy
❌ No SIP
❌ No FD
❌ No Health Insurance
❌ No Gold
❌ No Mutual Fund
❌ No Land Investment
👉 Result? Slow or No Growth

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📉 Let’s Talk LIC:
➡️ Return from Traditional LIC Policy: 4–6%
➡️ Term Plan: Great for Protection, but No Returns
❗Not Enough for Financial Freedom
✅ Good as Protection, Not as Investment

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📊 Real Wealth Comes From:
✅ SIP in Mutual Funds (10–15% avg return)
✅ FD for Emergency (6.5–7.5%)
✅ Gold Bonds (6% + Gold Price Growth)
✅ Land/Real Estate (Long-Term Wealth Builder)
✅ Health Insurance (Protects from Emergencies)
✅ Life Insurance (Term Only for Protection)

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✅ Right Way to Plan Financially:
1️⃣ Emergency Fund (FD or Liquid MF)
2️⃣ Term Life Insurance
3️⃣ Health Insurance for Family
4️⃣ Monthly SIP (Mutual Funds)
5️⃣ Invest in Gold Bonds
6️⃣ Land / Real Estate (if budget allows)

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📈 Want Financial Freedom?
🔺 Diversify your financial plan
📚 Learn → Plan → Invest
💡 Start Today for a Better Tomorrow!

⸻

🎯 Summary
✅ TERM = Protection
✅ SIP = Wealth
✅ FD = Safety
✅ Health Insurance = Backup
✅ Gold = Value
✅ Real Estate = Assets

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29/07/2025

Ye 5 baatein zarur jaan lo✅

25/07/2025

EBITDA vs Net Profit

24/07/2025

What do you think?📈

20/07/2025

Financial Wellness📈

16/07/2025

June 2025 | UPI is now the world’s largest real-time payment system🇮🇳📈

14/07/2025

How much? .official

09/07/2025

02/07/2025

Ab Mutual Fund se Bhi Milega Loan!✅ .official