FinAtoZ Blog

Advantages of working with a Financial Advisor

Advantages of working with a Financial Advisor

Benefits of taking a professional help far outweighs the charges you pay. Using the services of an financial advisor is a smart move as they have a broader and deeper knowledge of money management than most of us. The four key benefits of working with a professional are: You save money, Gives Clarity about your Financial Journey, Gives more bang for your buck, Reduces overall risk in the portfolio.To know about the benefits in detail, read this blog.

Continue reading »

How to reduce the impact of Long Term Captial Gains Tax?

Reduce the impact of long term capital gains tax

What can you do to minimize the impact of 10% tax on your Long term capital gains (LTCG)? Though this is a new reality now for most of the long term investors, but being more aware of the possible options can help us reduce the impact. It just requires one to do few things on a periodic basis. 

Continue reading »

Why taking risk in long term investment makes sense?

Nothing Risked, Nothing Gained

Most of us want to keep our money safe while choosing to invest in our long-term goals like child education and our own retirement. This is done primarily because everyone has told us that investments in equity markets are risky, and we really don’t want to take the risk with our important goals like education and retirement. While it looks like a prudent choice, but unknowingly we are making the wrong choice of investment products, like FDs, NSCs, PPF etc. Let us see three main reasons why in long-term goals, it makes perfect sense to take the risk. 

Continue reading »

Ways to earn tax-efficient income from your retirement corpus

Tax efficient.jpg

While we save throughout our life for our peaceful retirement, but when it comes to investing our retirement corpus, we choose many tax-inefficient products. This is mainly, due to lack of awareness about products to invest in, during our retired life. In this article we have proposed a mix of three type of investment products which will result in tax-efficient returns and will provide you better risk-adjusted returns in the long term. You may find it useful either for your own retirement corpus or for the investments of your retired parents.

Continue reading »

5 Signs you need a Financial Advisor

5 Signs You Need Financial Adviser

Something as basic as lack of time can prevent a person from achieving his financial goals. We all have lot of commitments and the meager time left is for our loved ones.  Provident funds will only help you achieve half of your retirement goals. The return on FD bearing 7% interest provides 4.9% of returns after taxation, which when compared to rate of inflation of 5.7% is actually a negative return. We are not aware of the amount which we require to meet our financial goal. A personal financial advisor is what you need.

Continue reading »