When it comes to money, planning is where it all begins. Everything you do with money requires a plan, whether you realize it or not. Without a thoughtful plan, you're bound to get lost or confused

The retirement planner is designed to provide a desired monthly income to you and also help you to save a planned corpus within a specific duration.

The planner takes into consideration, the present age of the person and the age at which he wishes to retire and hence calculates the amount of money he needs to save in the in between time frame.

The amount of money to be saved by the person is directly proportional to the amount of monthly pension he requires after retirement.

The amount of corpus to be maintained will depend on critical factors such as the rate of return on investments, pensionary benefits eligible and also the futuristic inflation rate during the retirement period.

In the planner given here you enter details like your present age and your requirements, the planner then gives you the amount of money required by you at the time of your retirement and will also guide you to save money to attain your retirement goals

Financial Planning

In personal financial planning, what you save or retrieve is more important than what you earn. There you will have to strike a balance between your capital appreciation and intermittent incomes. It also deals with how best you manage your inflows and outflows ending up with more value for your money. Financial planning is also about how well you manage your taxes as well.

Indians by nature are “over savers” and “under investors” and our personal Financial planner will help our clients to translate this saving mechanisms into productive investments and in the process beat the effects of inflation and still realize your long term goals.

The gap between dreams and reality is a question of discipline in financial matters. For an individual to realize his dreams, he needs to understand financial planning along with the desire to achieve his lifetime goals.

Goal realization and analysis forms the heart of financial planning. To give a sense of perspective to the goals, it is necessary to quantify them. Say for example an average middle class Indian might have the following ambitions in life:

                                    1. A dream house

                                    2. A dream car

                                    3. Children's education

                                    4. Children's marriage

For any set of predefined goals, you can plan your savings accordingly and achieve them with a committed investment or EMI at minimum cost.

The planner tells you exactly what amount needs to be saved on a monthly basis for his every financial goal. Investors now know how much of their earnings should be apportioned for their future goals

Invest in ‘x ‘ number of SIPs where ‘x’ is the number of your goals, with each SIP realizing one’s goal. If the SIPs come along with insurance cover (SIP+Insurance) or along with tax benefits then there is no separate need for investing in Insurance premiums, which are also an essential part in the life of a person.

Investors can take a family floater health insurance policy to help them in times of unexpected medical expenses. With the hospital costs spiraling and poor health conditions in the country; health insurance is one of the most important forms of protection that an individual should take. Also please make note that health insurance enjoys tax benefit under section 80 D of the income tax act.

By making a one time investment in “Rupeeplus membership scheme’s”, investors can get the advantage of lifetime demat facility and a complete and concise

Set apart not less than 10% of your monthly income for SIP investment. Your financial goals, your tax benefits, your insurance needs will be taken care of in addition to your hefty savings and goal realization dreams. And by enrolling yourself in Rupeeplus you can get the advantage of a lifetime demat facility along with a flexible and tidy financial planne.