Integrated Enterprises Ltd.

PLANNERS

	FINANCIAL



	EXPENSE



	TAX

We have come up with three new planners for the benefit of our customers Remember that we would keep all information strictly confidential.

EXPENSE PLANNER

Your Guide to Expense Planning

Expense planning is a function of how well you manage your money and not how much you earn.

An expense planner should analyse your information to assess your current situation and determine what you must do to meet your goals.

Fundamentally, expense planning is the process of striking a balance between your income and expenditure and thereby creating surplus funds to be invested in various investment avenues.

The first step to determine whether you are on your way to wealth is to ask yourself where your money is invested. The wise investment decision would be to invest in those assets that give more returns and less risk.

The most important thing is that you should know where your money is going. Focus on your monthly and annual expenses.

Take care of the following points before planning your investments:

1. Pay off your debt

Clear all your high interest debts. Loans with higher interest rates and no tax breaks have to be dealt with in the first phase. Pay off these loans at the earliest. Credit card debt, personal loans and educational loans are some good examples.

2. Save for yourself

Before you spend, set aside some money on a regular basis. This would necessitate you to spend less than you earn. Investing in recurring deposit, insurance plans, mutual funds SIPs, will enable you to meet your substantial financial commitments in the future.

3. Plan your investments

Decide how would you want to diversify your risk across various investment avenues available.

Try to list down the various options with the risk profile and their corresponding returns. Some of the options are post office schemes, Public Provident Fund, shares, mutual funds, bonds, property and gold.

Determine your investment capability and make sure that you explore all the tax saving options.Money saved on taxes means more money at your disposal.

We always believe in personalization. Our planners would suit your requirement. We are always ready to suggest / clarify on any point of the report given by us. In case you need any clarification you can mail us at subha@iepindia.com.

If you are happy and contented, please give your appreciations, improvements to be made etc. at customer@iepindia.com

Disclaimer