It has been 2 years of personal finance, since I first began in October 2020. I completed my MBA finance which I talked about in my last year post. Studying for more than a year was quite exhausting and I quite happy and pleased about my result. How did I do on my roadmap ? AMFI publishes a lot of data on a regular basis which gives insights in trends of mutual fund industry.

Planyourmoney.in is an invaluable resource that aims to empower individuals with the knowledge and understanding necessary to achieve financial freedom. As a dedicated platform for informative articles on financial planning and investment, it serves as a guiding light for the community, navigating the complexities of personal finance with clarity and expertise. The website’s primary mission is to educate users about various investment opportunities, mutual funds, Public Provident Fund (PPF) , Sukanya Samriddhi Yojana (SSY), loans, retirement planning, investment planning and goal planning.

It has been a roller-coaster ride for sure. I had kept several goals for myself and have been able to achieve handful of them. I am glad that many of you have found my blogs useful and educational . The aim was to help individuals understand the complex maze of financial planning and therefore pick the right kind of mutual funds . I have been able to help investors choose the right mutual funds and they have a broad grin when they look at the returns.

Credit Risk funds - the name itself - conjures a mental image that one should not “risk” their money in such funds. When the name itself has “risk” , then the fund itself must be “very risky” . Such kind of imagination and biases will drive us away from the fund, despite the fact that they may give very good returns. However, one needs to check whether , such funds are a “true fit” for an individual .

Your future is created by what you do today In 2014, I was keen to plan for my retirement. I was not sure how to go about. As you are aware, our current jobs do not provide any pension and thanks to the medical advances , people ending up living much longer than our predecessors. Therefore a significant portion of our life, we would be living and not earning. I am sure you have heard the story of The Ant and the Grasshopper.