Are you buying anything with the election results in mind?


I don't buy anything event based. I buy when I find something undervalued, and hold till there is earning visibility and growth in earnings

When I was 25, I realized that I had been earning well for 3-4 years, even investing in stocks, but I had a networth of 0.

In theory, I had checked all the boxes.

✅ Start earning
✅ Start investing
✅ Start a business


But if somebody was to ask me how I would survive an illness, or any other kind of emergency, I would have told them that I'm too young to think about these things. But inside, I knew this is bullshit.


This is what led me to create an overall personal financial plan for myself, over just deciding which stocks to invest in.

This is the checklist I considered for myself, that has worked amazingly well

1) Get life insurance (wasn't very relevant for me at that time)

2) Get health insurance (in illness, worry only about your health)

3) set aside your expenses for a year as an emergency fund (gives you the confidence to invest without worrying about rainy days)

4) invest in equity for goals that are far away, in debt for goals that are close


And I feel this plan works for everyone, with minor modifications

Let's say that you have accumulated many loans. But now you have decided to turn around your financial life. How do you decide which ones to repay first?

Keep the following points in mind:
• you can start with the one with the highest interest rate
• you can start with the one with the lowest remaining balance, for a psychological win
• the loans that are giving you a tax benefit can be kept longer
• don't forget about the pre-closure charges
• don't forget that during the last few periods of repayment, the EMI consists of mostly the principal as most of the interest has already been paid off by this time. So, repaying such a loan won't help you save interest
• think carefully whether reducing the EMI will help you more, or reducing the tenure

We keep talking about stocks and mutual funds, but what are the options available for those who want guaranteed returns?

Apart from the common options like FDs, they have the option of exploring the small savings schemes run by the government of India:

1. Post Office Savings Account
2. 5-year Post Office Recurring Deposit
3. Post Office Time Deposit (Similar to a bank fixed deposit)
4. Post Office Monthly Income Scheme
5. Senior Citizen Savings Scheme
6. Public Provident Fund
7. National Savings Certificates
8. Kisan Vikas Patra
9. Sukanya Samriddhi Yojana

The highest interest out of these is offered by:
• The Sukanya Samriddhi Scheme. But that works only if you have a daughter younger than 10 years!
• The Senior Citizen Savings Scheme, which you can avail only if you are a senior citizen.

If you fall into either of these categories, these should be your best options for fixed return investments.
It is important to note here that every fixed-income investment (apart from the measly interest you get on your savings account) has a lock-in. There is no escape from that.

Now, if you are not able to squeeze into either of these categories, the next best option available for you is PPF.

Even without getting into Excel calculations, there are some easy hacks to drastically reduce your loan period and interest paid.

1. Increase your EMI by 5-10% with the increase in your income.
2. Pay one extra EMI every year.
3. Consider if you can reduce your EMI by restructuring your loan or by changing the lender.

Surya Someshwara has studied a lot, and invested in stocks, crypto, multiple small businesses for passive income, and all this after quitting his Microsoft job.

Not one to hold his words back, you can expect fantastic advice from him.

If you are prepared to take truly hard-hitting and effective suggestions for money and life, join us!


Sunday, May 05th
6PM

Surya's love for teaching has made it very easy for him to break down complex topics into very simple algorithms.

These can be applied to money, business, and life as well.


Listen and talk to Surya Someshwara

This Sunday
May 05th
6PM

For those who have joined us recently, or for those who have not attended yet, here is how our Live Podcasts work:


There is a 45-60 minute session between the guest and me, that you get to listen to Live.

After that, there is a Question Answer session where you get to clear all related doubts directly with our guest!

Learning can be completed only you get to ask follow-up questions.
One-direction learning doesn't work!


Next Live Podcast

Sunday, May 05th
6PM

pinned «Our guest for our next Live Podcast took a very educated contra bet to turn his invested - ₹40 thousand to a whopping ₹60 lakh! Surya Someshwara has deliberately experienced various perspectives of investors. From working in Microsoft, to taking a year-long…»

Our guest for our next Live Podcast took a very educated contra bet to turn his invested -
₹40 thousand to a whopping ₹60 lakh!

Surya Someshwara has deliberately experienced various perspectives of investors.

From working in Microsoft, to taking a year-long sabbatical, he has learnt a lot.

Ask him all your
*personal finance,
*crypto, and even
*business related questions

next Sunday, at 6PM with us

Sahaj Info gives very practical advice on when to buy Gold for marriage purpose ?✨


A trick to earn extra from the SIP scheme most jewellers offer!


Will gold prices rise further?

Should I wait for a dip, even though I need the physical gold within a year?

How should I accumulate from today?

Live Podcast alert:


Next Sunday, May 05th
6PM


The guest is a very active investor and runs a consulting company

He will educate us about:
*Stocks,
*Funds,
*Crypto,
*Personal finance and
*Passive income


Stay tuned for details

When to Buy Gold in 2024? ??

Will there be a dip where I can accumulate?
What can be the level of the dip?

Important point for SGBs

Even though we know that the return is tax free, this is the case only if you hold your bond till maturity

If you sell on the stock exchange, you will be liable to pay tax @ 20%

To stand out from the crowd, you no longer have to climb Mt. Everest or swim across the English Channel.

Instead, just increase your attention span to 30 min.

- Rajan
HabitStrong