Financial Planning

Planning your finances before quitting your job can mean the difference between a liberating life break and monetary crisis

Why one-size-fits-all risk profiling fails and how partitioning your portfolio protects your money

A blueprint for protecting your capital and structuring low-risk investments to ensure your house deposit is ready on closing day

"Having choices is what puts you truly in control. Once you have that, you realise you're truly rich," said Ankur Warikoo.

Prioritise money for immediate expenses, trace assets, check nomination and inheritance rights

It provides a structured roadmap for clear financial protection, debt removal and automated long-term wealth creation

A step-by-step guide to aligning your budget and investments with your actual take-home pay to build a sustainable financial plan

Starting early can turn modest investments into long-term financial autonomy, providing the freedom to change jobs, take a sabbatical or pursue a different career.

Annual rebalancing helps investors correct asset-allocation drift, manage risk and restore their target portfolio mix without reacting to market noise.

Financial freedom is only half the journey. The harder question is what you want your money to make possible once you no longer need to work

A step-by-step guide on how to recover systematically from overspending and regain long-term financial discipline

How to pare discretionary expenses, handle investments and debt, and migrate from a group to a personal health insurance policy

Missing contributions or stopping midway does more damage to investments than market falls

Credit utilisation ratio should remain below 30%

Before modifying investments or changing your lifestyle, calculate the cash you can access within 24 hours

Assess the policy's returns, risks and liquidity restrictions, and ensure that you can sustain the premiums throughout its term

Balance your goals by fulfilling present financial needs and long-term security

Before investing in any product, you must know what the money is for and when you will need it

They should work as a team and plan for their retirement by saving money together

An emergency fund can help cover out-of-pocket medical costs such as diagnostic tests, medicines, and other payments