A K Jain 4 Financial Planning

26/12/2022

Avail Health Insurance cover even for people who have suffered Cancer or heart Problem and are now fine for any age. Whatsapp at
9810438317 with details.

31/07/2017

Why many people are still adamant that they will not invest in Mutual funds instead of bank fds or Real estate? The reason is simple. They are ill informed or his friend( who never invested) has advised him against it as his friend's relative told him not to be lured by high returns or not to be greedy and content with bank fds. He probably does not know that present fd rate will double your amount in more than 10 yrs but given the same time in mutual funds it will be 4-5 times @ 15% return. New investors are advised to get in touch at my mob. no. 9810438317 and understand many more facts about it... and than decide to invest.

13/07/2017

Bank fd vs investment in mutual fund......
If u hv 50L in bank fd...accrued interest @ 7.3% will be 365000/_ and at 30% ITR SLAB Tax payable will be 109500/-. So u get a return of 5.11% only not enough even to counter inflation.
Now in mutual funds even if the gain is 12%. 50L will be 56L. So u earn 6L plus 109500/-( as compsred to fd). So a 12% return in mutual funds will be 14.19% compared to bank fd due to no tax liability in accrued gain in mutual funds.
Let your money work harder for u and give u better and better results in the times to come.
Sensex has already crossed 32000 mark today and keep rising with corrections on the way. Sips are good but lumpsum investments are also good. Save your hard earned money from losing its purchasing power by not going for bank fds. 'MUTUAL FUNDS SAHI HAI'

25/05/2017

Recently I met a person whom i asked where he invests to take care of 80C deduction in income tax. He proudly said that he invests almost 4 lakhs per year in life insurance premiums. I then asked what is the total insurance cover and return on investments being made. He was x sure about the total cover but as per discussion, it should be somewhere 75-80 lakhs. Further he was x sure about the return. I told him term plan would hv been better. He was completely unaware of that. Then i told him the return which can vary between 5.5-6%.This definitely made him realize his mistake. THE MORAL OF THIS ACTUAL STORY IS... KEEP INSURANCE AND INVESTMENT SEPARATE. Take TERM PLAN AS PER YOUR REQUIREMENT AND INVEST IN EQUITY MUTUAL FUNDS IN THE TIME HORIZON. HOPE U AGREE WITH ME.

21/05/2017

Financial planning is important but few people understand this. People ask for this but don't give any attention or forget about it. Those who are serious, get their investments done accordingly and are financially at peace with themselves. Are u interested?

10/02/2017

Why financial planning ?
1.This gives u clear picture of your basic future financial commitments.
2.This gives u an idea where u stand now financially.
3.This gives an overall picture how much u hv to invest further.
4.This makes seemingly unachievabe financial goals within your capacity.
5.If u don't follow this, I don't lose anything but u will miss out on your financial goal front.
6.It makes life easy. Implementation can be done in phases.
7.U definitely want a secured financial future and nothing less for your family.
8.It pays to follow financial planning.
Rest u r a better judge.

26/01/2017

For most people it is investments vis-a-vis tax saving months now. Insurance agents are pushing people to go for yet another policy. They already hv many. It is time to take informed decision. ELSS mutual funds qualify for 80C deduction. It has the min. lockin period of 3yrs. only. This gives 15%+ returns in the long run as against insurance max.6% and ppf 8%+ with inflation hovering around 7%. So, it is evident that only mutual funds create wealth in the long run. Investments for meeting future financial goals should be done with total financial planning in advance. For more details pl visit my website: www.akjain4financialplanning.com and register and the rest will be taken care off professionally.

The first step for proper investment planning starts with assessing your actual need for investment. We help you to know how much you need to save meaningfully fulfill your responsibilities in life and achieve your prominent financial objectives /goals in life.

14/11/2016

PM Modi has dealt a severe blow to black money owners( which they will never agree) by anouncing demonetization of existing 500/- and 1000/- currency notes. People associated with Real estste and all types of businesses are having a hard time. They are spending sleepless nights thinking about ways and means to save their ill gotten wealth. Common man is happy as this has reduced the widening gap between haves and have-nots. In the long run more people will make investments through mutual fund route and will create wealth. It is high time to think about equity investments which is more safe and rewarding compared to other modes. The returns range from 12-15% and even more. Time to know about it professionally.....

28/10/2016

It is always a problem of investing for those who r due to or already retired. What they are told by experts before retiring ? Invest in fixed return options only or else u lose your principal also. Today times hv changed and interest rates are falling. So, your investments in such options gives u reducing income against rising expenses due to inflation. Retired life span is 20 yrs. plus. What u want is some option that pays u 8% annualized ( paid monthly) and this payout increases by 6% or 7% ( depending on inflation) every year and the invested amount grows as well by 5-7%. Would like to know the details....pl call at 9810438317.

25/10/2016

The biggest risk people take in life is not to take risk with their investment. They are motivated to invest in PPF/ bank fd and RD/ NSCs or in Endoment or Moneyback insurance policies for safety reasons or guaranteed returns and they settle for 7-8% returns. Most people were made to invest in insurance ( thanks to LIC ) in a big way citing 80C tax benefits as well. This in the long run made investors reaping less than inflation returns and the insurance Co. Cash rich. Next generation has realized this mistake and are opting for Term Plans and part of balance savings into ELLS mutual funds( which gave more than 20% returns during the same period). U are welcome to contact us for next logical step i.e., investment in mutual funds as per your life goals.