Rupakumar Pradhan, CFPCM, CWM®

Personal Financial Advisor

Practical Views on Money, Finance & Life .....

Retirement

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    Interest Rates Cut On Small Savings Schemes

Interest Rates Cut On Small Savings Schemes

Indians will earn less from their small savings schemes in the April-June 2020 quarter, with the government slashed interest rates on popular schemes – PPF, SCSS, NSE, SSY etc. in a falling rate cycle. The interest rate cut on small savings schemes such as PPF and post office deposits may

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    Personal Finance Concerns during Covid-19 Crisis

Personal Finance Concerns during Covid-19 Crisis

Here is a very basic guide on how to take the rational decision on ‘Personal Finance Concerns During Covid-19 Crisis’. We have done a ‘One Day Survey’ on this topic with multiple choices thru different online platform. (WhatsApp, Telegram, Linkedin, Facebook etc.) on April 20, 2020 (Monday). The survey questions

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    Importance of Financial Planning in Your Life

Importance of Financial Planning in Your Life

One of our clients said “I am just concentrating on the Comprehensive Financial Plan you have prepared and advised me. I am relaxed. I have no anxieties and am having a peaceful sleep. I am confident that we will be able to maintain our current standard of living after retirement

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    6 Strategies For When Markets Become Volatile

6 Strategies For When Markets Become Volatile

If markets get rough, it pays to have an investing plan and to stick to it. Key takeaways Keep Perspective: Political, Indian Budget, Taxation on investment and global market uncertainty are all constant, and downturns happen frequently. But market setbacks have typically been followed by recoveries. Stay Disciplined: Trying to

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    New Year Financial Resolution

New Year Financial Resolution

New Year Financial Resolution However, our good intentions notwithstanding, almost half of us were concerned that the continuing uncertainty around the economy, GDP growth rate, fiscal deficit, inflation rate, demonetization, GST impact and the ongoing threat of lower interest rates could deter our good resolutions. In addition, as we all

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    Client’s “Comprehensive Financial Plan” Experience

Client’s “Comprehensive Financial Plan” Experience

Mr. Sachet Parida, Mumbai shared his “Comprehensive Financial Plan”  journey with us. He has done his ‘Comprehensive Financial Plan’ (60-70 Pages Written Financial Plan) on 16th May 2012. Already 5 years passed………..miles to go……………… Our disciplined and repeatable process enables us to provide our clients with a high quality comprehensive financial

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    Which Interest Income is Taxable?

Which Interest Income is Taxable?

Interest earned above a certain limit attracts tax deduction on interest income, but many individuals are not sure how tax is treated or how their interest income is getting charged under tax. Fixed deposits, savings account, post office schemes, corporate bonds, corporate fixed deposits, recurring deposits earn income interest, which

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    How Do You Choose The Right Financial Planner For You?

How Do You Choose The Right Financial Planner For You?

  Financial Planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goal—such as readying yourself to buy a house, making a strategy for retirement year or give you a macro view of your money and the interplay of

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    Better Late Than Never

Better Late Than Never

  “It is good this happened now although it should have happened sooner.” I used to interact with many people across different sections of society who comes to us for personal financial advice. It’s a question that remains dominant in the interaction. Reached 40, but not planned for retirement. What

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