Wealthy Mantra

29/10/2025

🏠💰 Should You Prepay Your Home Loan or Invest?

If you’ve taken a home loan, you’ve probably wondered —
“Should I repay it early to become debt-free?”
Or “Should I continue the EMIs and invest the extra money for better returns?”
This is one of the most common financial dilemmas for today’s middle-class professionals.
Both options seem smart — one gives peace of mind, the other builds wealth.
So, what’s the right move? Let’s break it down simply.

Click below link to read entire article. Kindly comments your thoughts.

https://wealthymantra.blogspot.com/2025/10/should-you-prepay-your-home-loan-or.html

29/10/2025

Are you suffering from overthinking?

You overthink because you are not able to control your mind. If you can control your mind, you can control your life, too. Work on your mental models to become highly successful & happy individual.

1. Identify the indicators
2. Challenge your thoughts
3. Practice mindfulness
4. Take decisive action
5. Set aside "worry time"

Click below link to read detailed article.

02/05/2020

7 Tips to Improve your Financial Health during this Corona Lockdown

The world is reeling under the Corona Virus Pandemic. Many people are experiencing job losses as companies across globe shut production. Markets have also shown huge fluctuation wiping our crores of investor's wealth. Needless to say, people are concerned about their finances due to COVID-19 pandemic. With so much uncertainty around, it’s important now more than ever to focus on saving and reduce spending. During this Corona lockdown, follow some essential financial tips to improve your financial health.

https://wealthymantra.blogspot.com/2020/05/7-tips-to-improve-your-financial-health.html

19/12/2018

10 Golden Rules of Investing

Investing does not have to be complicated and it should not be exciting either. Putting your hard-earned money to work in the financial markets is all about helping you get what you want from life while making sure you can sleep easily at night. It is not about riding roller-coasters.
To invest, you need to draw up a clear plan, do your own research, build in a margin of safety by always thinking about the valuation and, ultimately, be patient. By all means include some speculative picks if you wish, but ensure they are only a small part of your portfolio. Looking for an oil explorer whose shares double, treble and double again is exciting but such firms are very rare. There are a lot more which have a consistent record of paying out the dividends which really make the markets work for you, once they are reinvested.
The trick is how to select the picks which best suit your investment goal, target returns, appetite for risk and time horizon. These 10 golden rules summarise entire guide and they should help everyone spot profitable portfolio picks and also escape likely failures.

To read more visit:

25/06/2018

What should be your investment strategy when in debt?

While managing your personal finance, you may face a dilemma of giving appropriate weightage to either investment or debt since both are important aspects of your personal finance. If you ignore debt repayment, then compounding interest will quickly spiral out and you may easily get into financial distress. If you ignore investment, then you may fail to accomplish many of your financial objectives. So, it is important to maintain the right balance between debt and investment.

04/06/2018

20 Important Lessons from Rich Dad, Poor Dad
Many people work very hard in their life, few work 10+ hours a day but eventually do not save much and never get rich. Robert Kiyosaki, author of the book explains smart ways to escape this “Rat Race”.
Important Lessons from the Book (Summary):

23/04/2017

When it comes to money, small changes may work better than big ones. It's because smaller bite-size changes are more likely to grow into new habits that stick. These changes may seem minor, but they can have a major impact.
Try these 10 small money moves to build habits that can have a major impact on your financial success...

15/02/2017

The general saying – “Don’t put all eggs in one basket” – in itself explains the concept of asset allocation. Asset allocation is the process of deciding how to divide your investment across several asset categories like stocks, bonds/fixed deposits real estate, gold and cash. The general goal is to minimize volatility while maximizing return. The process involves dividing your investment among asset categories that do not all respond to the same market forces in the same way at the same time. Diversifying your funds in different asset classes helps you to gain from volatile market conditions in the long run. Asset allocation is a key to become wealthy in a life….

14/02/2017

Dos and Don's of Financial Planning

Good money habits are the key to financial independence. When you deal with money, you would not want to take any chances. You might do everything right with your money. Yet, you run out of luck when the financial need arrives. These basic dos and don’ts of financial planning could set you on the path to financial success.

06/01/2017

Come New Year and its celebration time. It’s generally a happy time spent with near and dear ones. In the same spirit, it’s good to take stock of one’s financial well-being as well and chart a set of resolutions that could help you stay wealthy in the year 2017.
Here’s a list of ten resolutions which could help you with this...

Wealthy, Financial Tips, Investment,