Financial Planning

How Much Cash to Hold in Your Portfolio?

cash component in portfolio, how much cash for contingency, how much cash for emergencies, how much cash in bank, how much cash in in retirement portfolio, how much cash in portfolio, how much cash in savings, how much cash is too much, how much cash to keep at home

You know last week in news it said: “ Indian Forex Reserve is down by 1% due to increase in fuel bill”. So a country is also concerned about its cash balance. We all know what happened in 1991 and how Dr. Manmohan Singh tackled the situation. So cash is really important in managing aRead More

What is Estate Planning?

by Madhupam Krishna

business succession planning, estate planning, estate planning basics, estate planning vs will, family trust, importance of estate planning, joint holding, nomination, nominee, trust, why estate planning, will making

Creating assets is on top of your mind – good. But have you thought what will happen to your assets (or liabilities) after you? Well, no one likes to think for “that day”. But friend – laws do not understand your fear of death. You need to define & document your thoughts on how yourRead More

7 Checks 6 Questions- Before Hiring Financial Planner Part 2

by Madhupam Krishna

Certified Financial Planner from FPSB India, CFP, financial advisor, financial planner, find a financial planner, how do i find a financial planeer, Registered Financial Advisor (RIA) with SEBI, Registered Investment Advisor, RIA (SEBI Registered Investor Advisors- Fee-Based), SEBI RIA

Asking question is never a bad thing. In fact, only fertile minds are inquisitive. I wrote about 7 basic checks for hiring financial planner 3 days ago. Now, we move ahead with the familiarity part. Lets ask some open-ended questions before hiring financial planner. After you have checked these outer most tough features, its timeRead More

7 Checks 6 Questions- Before Hiring Financial Planner Part 1

by Madhupam Krishna

Certified Financial Planner from FPSB India, CFP, financial planner, Financial Planner Approach, Hiring Financial Planner, how do i find a financial planner, Registered Financial Advisor (RIA) with SEBI, SEBI RIA

You are about to hire a Financial Planner, and this will be a very crucial financial decision. Are you prepared? Probably NOT, because most of us just talk without a checklist or a format to the financial planner. The aim is to see if comfort is there or not. Then based on “comfort” you goRead More

7 Retirement Challenges that Lead to Shortfall

by Madhupam Krishna

retirement, Retirement Challenges, Retirement Challenges in India, Retirement Issues, Retirement Planner, Retirement Planning

Most ignore it because it is too far. Yes, that’s the story of retirement-related goals. You ask anyone, the priority is today… today’s expenses, this year’s tax savings, next years vacation etc etc. Retirement … a big silence. And, we all know the result. There will be a shortfall in retirement corpus. Shortfall is oneRead More

Role in Financial Planning for Women to Achieve Freedom

by Madhupam Krishna

budgeting & financial planning, financial planning and spouse, financial planning for females, financial planning for woman, financial planning for women, marriage financial planning

Most male readers will not read further thinking this article addresses only females. And few will start guessing why Madhupam is writing this? Valentine is gone, why is he mixing Mars & Venus. Well, do not go by topic, as this article focuses on financial planning for women aspect, but is equally important for maleRead More