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Techie? Hope you are Financially Planned..! (Tamil)

Posted by VRIDHI on 21/07/2015

விவேக் கர்வா, நிதி முதலீடு ஆலோசகர்

இந்தியா விவசயாத்தை நம்பிய நாடாகவே பல காலம் இருந்துவந்தது.. உலக வரைபடத்தில் இந்தியா என்னும் நாடு தன்னுடைய கலாச்சாரத்திற்கும், பண்பாட்டிற்கும் மட்டுமே முக்கியத்துவம் பெற்றிருந்தது.. தொழில் வளர்ச்சியிலும், பொருளாதார முன்னேற்றத்திலும் மிகவும் பின் தங்கிய நாடாகவே இருந்தது..கால ஓட்டத்தில், கடந்த 20 ஆண்டுகளில் தொழில்நுட்பத் துறையின் வளர்ச்சியால் ஒரு தலை சிறந்த நாடாக இந்தியா வளர்ந்துவிட்டது. உலகமே அஞ்சும் அமெரிக்கா கூட இந்தியாவின் தொழில்நுட்ப வளர்ச்சியை கண்டு அஞ்சுகிறது.. அமெரிக்க அதிபர் ஒபாமாவே தன்னுடைய தேசத்து குழந்தைகளிடம் சொன்ன ஒரு தகவல் – "இந்த தொழில்நுட்பத் துறையில் நீங்கள் சிறந்து விளங்கவில்லை என்றால், இந்திய இளைஞர் உன்னுடைய வேலையை தட்டி சென்றுவிடுவார், விழித்துக்கொள்!"

கடந்த 20 வருடங்களாக இந்திய பொருளாதார வளர்ச்சிக்கு IT துறை முக்கிய காரணமாக இருந்திருக்கிறது. இந்த அசுர வளர்ச்சியின் காரணமாக IT துறையில் வேலைக்கு சேரும் பலரும் அதிக சம்பளம் பெற்ற கதை ஊர் அறிந்த விஷயம். பெற்றோர்களும் தங்கள் பிள்ளைகளை IT படிக்க வைத்து, அதிக சம்பளம் பெற வேண்டும் என்று விரும்பினர்.. தங்களுடைய பனிக்காலத்தின் இறுதியில் பார்த்த சம்பளத்தை தன்னுடைய மகனோ/மகளோ வேலைக்கு சேரும்போதே பெற்றதை எண்ணி பெருமைப்பட்டனர்..

இதன் விளைவாக ஆடம்பர வாழ்க்கைக்கு அடிமையாகி செலவுகளும் அதிகரித்தன. Smartphone , கார் என EMI-களால் வாங்கினர்.. இன்னும் சிலர் வீடு(கள்) என்ன விலையாக இருந்தாலும் கவலைப்படாமல் EMI க்கு அடிமையாகி EMI -யை மணந்தனர். சிலருக்கு வந்த பணம் எங்கே போனதென்றே தெரிவதில்லை. காரணம் : அதிக சம்பளம் – தேவையற்ற செலவுகள்..

ஆனால் எதுவும் நிலை இல்லாத இன்றைய சூழலில், எத்தனை IT வல்லுனர்கள் தங்களுடைய எதிர்காலத்துக்காக சேமித்துள்ளனர்?  வெகு சிலரே இதன் தேவையை உணர்ந்துள்ளனர்..அவ்வாறு உணர்ந்த மக்களும் தவறான முதலீடுகளை செய்துள்ளனர். வரி சேமிப்பு என்ற கண்ணோட்டத்துடன் தவறான முதலீடுகளை செய்து சிக்கிக்கொண்டு அந்த முதலீட்டின் மூலம் கிடைக்கும் வருமானம் பணவீக்கத்தை ஒட்டியே உள்ளது என்பதை தாமதமாகவே உணர்கின்றனர்..

நிதித் திட்டமிடல் என்பது அனைவருக்கும் ஆவசியம். IT துறையில் பணிபுரிவோருக்கு மிகவும் அவசியம்.. ஏன்?

1) மன அழுத்தம் அதிகம் உள்ள தொழில் : IT துறையில் பணிபுரிவோர் பெரும்பாலும் கால நேரம் பார்க்காமல் வேலை செய்யும் சூழல் உள்ளது.. அதோடு TOUGH TARGETS,TIGHT DEADLINES என்பதன் காரணமாக உடல் ரீதியாகவும் மன ரீதியாகவும் பாதிக்கபடுகின்றனர்..எத்தனை காலத்திற்கு இந்த மன அழுத்தத்தை தாங்கிக்கொண்டு வேலை செய்ய முடியும்?

2) 21 வயதில் IT துறையில் நுழையும் ஒரு பொறியாளர் 60 வயது வரை இந்த தொழிலில் வேலை செய்ய முடியும் என்ற உத்தரவாதம் உண்டா?

IT துறையில் இருந்த அசுர வளர்ச்சி இன்று சராசரியாக 10-15% ஒட்டியே உள்ளது. சம்பள உயர்வு என்பதும் 10% க்கு குறைவாகவே உள்ளது.. IT வரலாற்றில் நாம் பார்த்த அசுர வளர்ச்சி தொடருமா என்பது கேள்விக்குறியே!

நிம்மதியான ஒய்வுகாலத்துக்கும், குடும்பத்தின் வருங்கால தேவைகளுக்கும் சரியான நிதித் திட்டமிடல் என்பது IT துறை பணியாளர்களுக்கு மிகவும் அவசியம்.. இது வரை செய்யாமல் இருந்தாலும் தவறில்லை.. உடனடியாக உங்கள் குடும்பத்துக்கான நிதித் திட்டமிடலை செய்துகொள்ளுங்கள்!

English Version: http://vridhi.co.in/2015/07/19/techie-hope-you-are-financially-planned/

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Techie? Hope you are Financially Planned..!

Posted by VRIDHI on 19/07/2015

by Vivek Karwa, Certified Financial Planner and Investment Adviser

Also avble on: http://adviceadda.com/article/726-money-gurus-advice-to-guys-financial-planning-must

India was only an agriculture driven economy once upon a time. Bharat was considered as dark world and we were not figuring in any global map for any reason except for our rich heritage and culture. Business wise and Economy wise, we had no worth and value.

Over the last two decades with emergence of Information Technology companies, BPO companies, ITeS and other related companies (herein referred as IT Industry and Techie’s), India has been able to place herself in the forefront and literally no country can now ignore us today.

We are being looked as a threat and not so long ago even the American president advised children in U.S. to study well otherwise Indian kids would take away their jobs.

For almost 20 years the IT guys ruled the scene. Every student wanted admission in a Computer Science Engineering course. IT guys were envied by many since they were cornering all high paying jobs. Many parents found that the salaries which their children are getting as a new entrant in an IT company was higher than what they were getting after rendering 30 years of service in their company!

This resulted in fuelling of the economy. We all know what happens when young Boys and Girls start getting huge money in their hands. They start spending!

Some techie’s spent all the money on lifestyles, some spent on automobiles, some guys are still not aware where all the money went, some techie’s even acted smart and bought homes on EMI’s, others who married themselves with more than one EMI, actually acted over smart!

The question is how many thought about their future and saved money? Very few! And those who did, got trapped into products which were pushed by unscrupulous agents who visited their offices in the months of Jan-Feb-Mar and sold products in order to Save Tax. Most people who have been investing in the last moment to save taxes have ended up buying useless, low yielding and rigid products. Trapped!

IT employees need to get Financial Planning done in early stages of life. Even if you have missed the same at early ages get it done immediately after reading this article! Further delays will harm none other than you. You may ask why particularly IT employees? These are some of the reasons:

High Pressure Jobs: Jobs in the IT industry may be High paying, but at the same time they involve High Pressures! Pressures during day time itself can harm your body and mind, but some take these pressures at odd times! How long can you continue with such high paying job in case your health deteriorates? You Need Financial Planning immediately!

Short term work span: I have come across IT employees who proudly lead team of large number of people. The team members keep getting promotions and generally the new entrants are always of young age. The leader at times is 30+ and team members are below 25 leading to mismatch of thoughts and experience which in turn creates rift.

The retirement clock starts ticking the moment you cross 40. How many of you are confident that you can continue in the same company as an employee till age 60?

No wonder we see many people aged beyond 40 take up IT consultancy job/business. Hence if you have to retire early, your family will still require money, even if you need to start a business you’ll need money. You Need Financial Planning immediately!

IT is yet another sector today: There was a period when IT used to be high growth sector. You would easily get on-site projects in various countries leading to good cash flows. Today IT is like any other industry, growing around 10% to 15% so don’t think you can make big in small period.

Salary increases are not more than 10% in the sector today! You Need Financial Planning immediately!

Financial Mistakes: Most of the financial mistakes are committed by Techies as explained in the start of the article. Few are so busy with the office pressure that they become lazy about their own families future. You Not only Need Financial Planning, You Need a Right Financial Planner as well.

Not to make the reading too long, cutting short the article here. In spite of reading this and realizing the truth, if you take things lazily, God Save You!

If you are serious, contact your Financial Advisor NOW! You can contact VRIDHI also. For us the Place you live does not matter, we can still guide you. We want to make sure people are safe and planned hence not particular that you should call us, but yes we are particular that you should surely call any Planner of your choice.

Keep in mind, in Times of Need, your Friends may Un-Friend you and Your Relatives may defy Relativity! – You Need Financial Planning immediately..!

 

Please share this Article with your Friends, Relatives and Colleague’s for their benefits… To contact us Click Here

You can connect with Vivek Karwa on Twitter @VivekKarwa and on Facebook: https://www.facebook.com/vkarwa

 

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Investors Awareness Program

Posted by VRIDHI on 10/06/2015

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Few Words on Market…

Posted by VRIDHI on 25/05/2015

by Vivek Karwa, Certified Financial PlannerCM

150525 – Writing this article on the 365th day of the new dispensation at New Delhi. A year has passed since we heard about any major corruption issue at the top level. Many people keep saying that the corruption is still present in the country. Yes, it is present and will continue to be present for long time. The positive thing is, it is atleast not present at the top which was hurting the image of the country past few years. Whoever is heading the government should have a clean image and intentions.

The market has been volatile as expected. The overly ambitious expectations which people were carrying in the minds has tempered down now. We are in a state of economy which is poised to grow, but grow steadily and not due to some booster doses which do not last longer. If India has to grow, the foundation has to be corrected now and which seem to be happening.

Investors, particularly Indian investors still have huge doubts if the country and the market can actually grow in the balance 4 yrs term of this govt. One needs to have faith on the structure of the country and the abilities of the entrepreneurs running both small and large corporations. We have the ability to adjust to any economic condition and laws. And if we can get a clear, firm and government with certain direction, we can do wonders.

World leaders have turned bullish on India. Companies across the world are eager to set up base in the country. Most big, world leaders and CEOs of large companies have already visited India and met the administration. Name a rating agency, and they have already hinted that the country ratings may be improved if the present things improve further. Indian CEOs are turning positive and are ready to give some more time to the demand to pick up.

This will result in the improvement of both prices and participation in the market. Hence, one needs to be patient and remain invested and keep adding as and when the market corrects. Indian investors particularly lose out on the rallies since they enter late. This may repeat this time also. But we the participants in the market need to spread the word that one should start investing at least a portion of their savings to create wealth over a period of time.

SEBI is contemplating increase in the lot sizes of futures contracts in order to curb the participation of small and risk averse retail investors. It is a welcome move. Most of retail investors who lose money in the market is on account of this segment. If one invests for longer term in good quality companies they will surely end up making money and not have to go home with bad memories and heavy heart.

A small investor, rather any investor should always do their homework before entering in the market or the individual companies. Most don’t understand macro and micros and go with herd mentality. Such investors should always go through an adviser or through managed funds like mfs. Risk can be considerable reduced if you know exactly what you are doing.

Understanding every sector is also critical to investing right. As and when the economy picks up, expect the Banking, Capital Goods and Manufacturing companies to do well. These are sectors which have to naturally grow with the economy. One needs to know that when Index goes up it does not mean every stock also should move up. It is not pre 2008. The investors have matured a lot since then.

This Article will be Printed in the Investors Digest Magazine of TamilNadu Investors Association (SEBI Recognized)

Disclosure:- It is safe to assume that the author may have interest in the sectors recommended in this news letter. Seeking personal advice from your Financial Advisor is recommended before acting on any of the substance given herein. The numbers, figures, etc., presented may have been taken from various sources.

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