Hey Doctor, it’s Time you Save the Life of your Money

‘If you don’t Respect your Money, it may say you a Bye very soon’

In schools children are often asked what they would become when they grow up. These tender aged kids don’t have any clue about life, or the struggle which they have to go through to earn money once they grow up as adults. But what do they answer to the asked question? Top answers are: first is Doctor, and second is Scientist.

So what makes the word doctor come on top of the mind? It is one of the most respected professions in the world, respected since you doctors save lives of people. After god, if there is a set of people whom individuals trust most then that’s the doctor fraternity. Children are born in the hands of doctors and then they see you people very frequently for at least next 3 years in the name of immunization. Thus the relation starts very early in life.

Few of the reasons apart from the above are:

1. People perceive the doctor profession as High Income Generator.

2. Doctors have No Retirement Age, hence long term Earnings!

3. Easy employability.

Now let’s come to few hard facts. Like there are good and bad one’s in every profession, there are good and bad doctors as well. People perceive that doctors have become businessmen, and with emergence of corporate hospitals, they too run the show with targets. And every test the doctor writes, even if it’s with most genuine concern, people start calculating the commissions the doctor would get from the laboratory or the diagnostic centre.

Why do people think this way? We all know the system. The upfront money which needs to be paid for a medical seat is enormous. Not your fault, but people assume most doctors are busy recovering the capitation fee money along with interest.

These feelings can’t be changed overnight. As Certified Financial Planners we trust that doctors can earn back the money with Sensible Investing of their hard earned money. We believe that doctors are the most respectful people in the society. Though not a doctor myself, let me, for the benefit of all those who may be reading this article, describe what a doctor goes through before becoming a respected Medical Professional.

A doctor after spending first few years in the college, start their basic career as a junior doctor in a hospital reporting to a senior. Many years of hard work is put in as a junior doctor, and during this phase how much do the junior doctors earn? Peanuts! To be blunt many a times the salary is not even equal to a bonded labourer. But the sacrifices are immense. The personal life is almost negligible, an emergency can happen any time and you always, just like army and police personnel be ready to report for the benefit of your patients.

Most of the initial years are spent like this, the process of acquiring knowledge goes side by side and hence most of the time is spent either working under a senior, or studying or just being around the patients caring for their well being. Hence, in the process of Patients Fitness most of you forget the Financial Fitness of your own. We at VRIDHI can help you in your Financial Fitness.

You may ask us, why write an article and target doctors? The first reason is that we at VRIDHI are dedicated to help all those people doing good to the society and you doctors do come in the list, secondly it’s due to the respect of ours towards the doctor fraternity, as mentioned above, further due to the mistakes doctors have been making when it comes to Money Management and after experience of over 15 years, we do know how many of you have been taken for a ride by unscrupulous advisors.

Thus we believe in you and you can believe in us. VRIDHI is here for your good, it is finally up to you to trust in what we are saying. If you trust us we can be of great use to you and if you don’t, well nothing changes. Carry on the way you are right now.

For those who think we are making sense, let me point out certain things with doctors which I have seen. If you are on right track then fine, else you can do a course correction with our assistance. Simply put we can be your Financial Doctor!

Diagnosis of your own problem first:

With each level of seniority, we have noticed that the confidence level towards investments increases with the doctor. Doctors have high level of competence and hence they also think they know how to invest their hard earned money. We term this as over-confidence. Agreed you are best in your domain but when it comes to investing money, you require experts in the field of advisory. Will ever a Cardiologist do a job of Pathologist?

Trust issues:

Not an issue actually, problem is of blind trust. Since you are a go-getter, hard working and competent, many doctors end up believing that whoever comes to them with a service also carries similar credentials. It’s high time you start scrutinizing.

Time Dedicated:

Due to busy schedules, you can devote least possible time to your own investments. You need advisors with solid foundation. You cannot be looking at your investments and various options yourself. Unless your advisor is multi faceted, don’t deal with them. Haven’t you come across people trying to sell you Only Property or Only Mutual Funds or Only Insurance or Only FD? Just imagine if you start prescribing Only Crocin to all patients, what will be your value?

Financial Mistakes:

There is huge problem of knowhow on various investment options available among doctors. We have come across many doctors invested highly or fully only in one selected product. This way even getting a return beating inflation becomes impossible. When you go to a restaurant, do you eat just one item? You may choose few of them as per your tastes and preferences. Similarly when it comes to investing, you need to choose the services which suit your life style well.

Start Early, Create a Habit:

The day you start earning your stipend you should start investing in a proper manner. Approach your advisor or just call us, we will help you out on it. A good earning doctor can retire himself/herself very early in life by creating all surplus money required for rest of his/her life. Imagine you have all the money to live rest of your life but continue to work as a passion to serve people. Believe us, there will be no shortage of money when you do this.

Do approach an advisor for you investment needs. We don’t say that you need to call us, but we surely wish you call up someone good who will work in your interest. In case you decide to approach us, you are free to do so. If you want just a seminar in your hospital, we can do that too. Your Geographical Location just doesn’t matter for getting the right advice.

Your Financial Doctors,

www.VRIDHI.co.in

Vivek Karwa

To contact us Click Here.

 

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Techie? Hope you are Financially Planned..!

by Vivek Karwa, Certified Financial Planner and Investment Adviser

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..!

If any of you or any HR managers want to hold a small lecture program on ‘Money’ at their company premises, can surely contact us.

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

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Financial planning lessons from Prime Minister Narendra Modi

Monika Halan, Mint 8/4/2015

Goal setting, habit creation and working on problems ex-ante rather than ex-post

source: http://www.livemint.com/Money/hlRlY5cRraLgWQKc22IPxH/Financial-planning-lessons-from-Prime-Minister-Narendra-Modi.html

That Narendra Modi is a skilful orator is not news, but to hear him in person and to see him use ground-level common sense to drive home financial lessons to an auditorium full of bankers is quite an experience. The venue was the 80th birthday party of the Reserve Bank of India (RBI) at the National Centre for Performing Arts in Mumbai. And in case you were wondering, as I did, as to why celebrate 80 years rather than the global norm of 75 or 100, Modi said that 80 years is special to Indians because it marks the sahastra darshan or the 1,000 viewings of the full moon by a person who turns 80.

The Prime Minister started off by admitting that most of the conversation relating to finance goes over his head—since he’s not endowed with the needed “software” to understand it. But then he went on to demonstrate that jargon is not what is needed and that a commonsensical practical world view does just as well—in fact, better. What struck me were three lessons, two of which could have been out of a financial planning text book and the third is still to be written into financial sector regulation—but it will be.

Lesson one: goal setting. Modi wants the RBI to set a goal to get India fully financially included by the time it hits 100 in 2035. A goal that is so far away, like retirement planning, has the ability to get ignored. So financial planning 101 says, break up the goal into smaller bits, and pace yourself. Modi’s roadmap for RBI is to set event-based goalposts over the next 20 years—2019 marks Mahatma Gandhi’s 150th birth anniversary; 2022 is India’s 75th independence anniversary; and in 2025, RBI turns 90.

Lesson two: habit creation. He said that his aim is not to make financial inclusion a “programme” but to make it a swabhav—that loosely translates into the word “habit”. Financial planning is all about inculcating good money habits. Unless you make looking after your money life a habit, hands-free money management will not happen.

Lesson three: working on problems ex-ante rather than ex-post. Modi used the example of turning the gas subsidy into a direct cash transfer as an example of working on the problem ex-ante—the corruption of fake accounts declines significantly if the subsidy changes its form. The latest work in financial sector regulation is coming around to the view that removing the skew in financial products that lead to cheating consumers should be done ex-ante rather than spending on catching market failure and then punishing ex-post. Writes Luigi Zingales in his 2015 paper, Does Finance Benefit Society: “In designing rules we economists need to think about how these rules will be adapted and enforced under heavy lobbying pressure. For this reason, rules that modify incentives ex-ante rather than repress behaviour ex-post are to be preferred: enforcement can be more easily blocked by lobbying.”

The Financial System Inquiry set up by the Australian government found it necessary to improve financial consumer outcomes by mandating a design intervention—something that has been off the table in financial sector regulation as the sector had convinced policymakers that any reins on product structure will curb innovation. The Inquiry recommended better consumer outcomes through measures that “improve the design and distribution of financial products through strengthening product issuer and distributor accountability, and through implementing a new temporary product intervention power for the Australian Securities and Investments Commission”. Read it here: http://mintne.ws/1O25L8m. In other words—let’s work ex-ante to kill conflict of interest, rather than chase the white-collar criminals ex-post.

End Note: I cannot help but end this banking story with this one. Rajan Mehta, formerly with Benchmark Mutual Fund and now experimenting in the health sector, forwarded me a Whatsapp message. His comment: “Mis-selling by banks seems to have been acknowledged by common people”. Here goes:

A branch manager went to a tailor and said, “I want a suit to be made in seven days as I have to attend a wedding”. The tailor said, “Yes. It will be done.” A week later when he asked for the suit, the tailor handed him asalwar kurta with dupatta. The bank manager got angry and shouted, “Mera suit ka kya kiya (what did you do with my suit?)?” The tailor replied: “Yehi aapka suit hai (here it is).” Bank manager barked back: “Ye ladies suit hai, pagal hai kya? (this is a ladies suit, are you mad?)” and shouted angry words at the tailor. The tailor finally said, “Chup! (shut up!)” The bank manager went silent. “Ab pata chala kaisa feel hota hai jab main aapki branch mein FD (fixed deposit) karane aaya thaa aur aapne mujhe insurance bech diya (now you know how it feels when I came to do an FD in your bank and you sold me an insurance plan).”

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‘Wish I’d known’ lessons from Finance Gurus

Starting early is the easiest and smartest financial lesson. Even leaders of the industry agree

Vivina Vishwanathan, Mint 9/2/15

source: http://www.livemint.com/Money/NBuCcrV9IT3E65yN6eBH3L/Wish-Id-known-lessons-from-finance-gurus.html

Anyone who has just joined the workforce for the first time has a list of things to spend on—from clothes to gadgets, and more. Saving and investment rarely feature in this list. This may sound boring and even unimportant, but if you don’t want to be financially lost, you must plan your finances. Here are a few things you can do with your income in the early stages of your career.

Start early

When it comes to growing your money, the earlier you start saving and investing, the easier it will be to build a corpus. “You should understand the power of compounding. Unfortunately, people don’t understand it and how starting early will enable lower investment savings,” said Dilshad Billimoria, director, Dilzer Consultants Pvt. Ltd.

Say, you are 25 years old and plan to retire at 60. If your current annual expense is Rs.10 lakh, the expenses in your first year of retirement would be Rs.77 lakh, assuming annual inflation of 6%. So, you will need a corpus of Rs.10.7 crore at age 60, for which you need to invest Rs.28,000 per month till retirement age and earn return of 10% on it. If you delay and start investing only when you turn 30, you would need to save Rs.35,365 per month. So, the later you start, the more you need to save.

Identify goals later

You may be wondering, why invest when you don’t have goals. Imagining about retirement or any other kind of long-term goal is difficult when you are in your 20s. “Many financial commitments come in the form of events. The older you get, the more difficult it gets to catch up to the expenses. People don’t think about this in their 20s,” said Leo Puri, managing director, UTI Asset Management Co. Ltd.

How does one overcome this difficulty?

“It is a simple thing. Generally, your financial goals will include retirement, buying a house, marriage, children, their higher education and marriage, your higher education, travel and spending on gadgets or white goods. Even if none of these make into your list right now, they will soon creep in,” said Suresh Sadagopan, a Mumbai-based financial planner. Even if you don’t have a goal, keep a part of your salary aside to be used for future needs.

Insure yourself

Once you have decided to save a certain portion of your income, the next step you may assume is to invest. It’s not. the next step should be buying health insurance so that medical liabilities are taken care of. “Life insurance can wait. But you should take medical insurance immediately. You may think that your employer will take care of it. But health issues can occur any time, say, when you are in between jobs. Consider taking health cover of at least Rs.3 lakh, which will cost you under Rs.4,000 per annum,” said Sadagopan. You don’t want to dip into your savings or investments when you have an option to hedge.

Understand products

After health insurance comes investing. You must remember that over time, money loses value due to inflation and taxes. So, leaving all your money in a savings account is not prudent. Of course, that doesn’t mean that you invest in any product that gives you higher returns than a savings deposit. You should calculate the returns you get after factoring in inflation and tax. “People don’t understand the difference between real return and nominal return. They misunderstand nominal return to be the real return. Always remember to factor in inflation when you are investing,” said Vivek Dehejia, professor of Economics at Carleton University in Ottawa, Canada.

So, which product to choose? Since you have time on your side, you are in a better position to take risk.

“Equity-oriented products are a good option. But you should invest at least 40% of your money in lock-in products such as Public Provident Fund as it will help you build financial discipline,” said Sadagopan.

You can create a corpus by investing in short-term products such as debt funds or even bank fixed deposits. This will help build financial discipline.

Though you should save and invest regular, it doesn’t mean that you can’t indulge. “You can buy a new gadget or go for a vacation, but it doesn’t mean that you go overboard with you credit card and spend more than you can afford,” said Sadagopan.

If you have basic understanding of financial products and how they work, you will be able to make the right decisions about your money life. Doing so will earn healthy returns.

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Take the road to Retirement Planning before it is too late

The two clear lessons that one can draw while planning for retirement are: start early and invest in equities

Deepali Sen, 19/1/15 LiveMint

source: http://www.livemint.com/Money/b6Rr8GeNpqITGj6NmUG07O/Take-the-road-to-retirement-planning-before-it-is-too-late.html

Life expectancy of people has gone up thanks to advancements in the field of medicine as well as consciousness towards fitness and wellness. We may very well end up pushing our individual envelope towards mid- or late-nineties. With most of us working from 25 years of age until we turn 60, surviving until 95 years of age would mean a proportion of 1:1 between our earning and post-retirement years. In these 35 years of earning, one has to plan for other goals besides retirement, such as for children’s education, their marriage, home, car purchase, funding expenses around fulfilling daily needs, whims and desires, and so on.

Retirement is Real

Retirement will hit all of us at some point in time. And it is much closer that it may appear. All of us would rather have our money outlive us than the other way round. Retiring from ‘working for money’ means that after retirement one has to live off assets accumulated during the pre-retirement or working years.

I have come across people (and they aren’t few in number) who are well in their 40s but are yet to start planning and building their retirement nest.

It is concerning to see people prioritize goals such as a lavish wedding for their daughter, for a house that is much bigger than what they need, or for spending unwarranted sums on vacations without a care for tomorrow over their retirement. This eventually means that in their post-retirement years, they will have insufficient funds, and may even have liabilities such as a home loan tenor ending just a few years before retirement, or not being able to pursue their dream of starting out on their own.

While most people strive hard to create or earn their money, not many are as careful about nurturing the money earned to keep it relevant in terms of its purchasing power.

Life after Retirement

Our retirement expenses are likely to balloon due to high inflation and our increased longevity. This, in turn, would mean that we would need to invest larger amounts of money, for longer periods of time at higher rates to accumulate the appropriate size of funds needed for retirement.

Let us take an example of two couples, one in their early 30s and the other aged 40 who haven’t started investing for their retirement yet. Inflation has been assumed at 7%; the pre-retirement distribution phase generates returns at 12% per annum and returns post-retirement are pegged at 8%. Also, it has been assumed that expenses during retirement will be 70% of today’s expenses (after being adjusted for inflation).

For someone currently spending Rs.6 lakh annually (Rs.50,000 per month at 30 years of age), she will require around Rs.32 lakh per year for her retirement at 60 years of age (this need will keep increasing at the rate 7% per year). Moreover, if she were to live-off her assets (which would grow at 8% per annum post-retirement) she must have at least Rs.9.5 crore at 60. For building a corpus of Rs.9.5 crore, she needs to invest around Rs.27,000 per month for the next 30 years at 12% per annum returns. In effect, while planning for her retirement, she would require an amount that is more than 50% of her current expenses.

For a 40-year-old spending Rs.1 lakh every month, she would need around Rs.32.5 lakh per year when she turns 60 at retirement. This would require a corpus of Rs.9.66 crore, which can be built by investing around Rs.98,000 per month. In this case, the monthly investment required for creating the required retirement corpus is nearly equal to her current monthly expenses.

In essence, if you start to save for your retirement when you are 30, you would require around 50% of your monthly expenses for investments; and at 40 you will need to invest nearly the same money as you spend per month at the moment.

Equity is a Must

The story gets murkier if you are building your retirement nest using just your Employees’ Provident Fund or Public Provident Fund corpus—returns in these instruments are currently 8.7% per annum. Equity is a must and has to find space in one’s retirement plan. From April 1979 until date, the S&P BSE Sensex has delivered returns close to 17% per annum (excluding the dividend earned).

The two clear lessons that one can draw while planning for retirement are: start early and invest in equities. Starting later in life might get too late to catch up, and avoiding equities could leave you with returns lower than inflation.

If you haven’t started walking on the road of retirement planning yet, do get on before it is too late.

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