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Anyone at any point of time may be in need of urgent cash due to delay or non-receipt of expected income and sudden unforeseen additional commitments. Under such situations people usually prefer short term unsecured loans at exorbitant rate of interest.

To overcome this problem, every one is expected to be ready with some reserve fund called Emergency Fund. The concept of maintaining reserve fund is uncommon in our country.

One can create emergency fund by investing in one lump sum or create over a period of time through SIP (Systematic Investment Plan) in a liquid fund in Mutual funds. It is suggested to maintain 3 to 6 times the monthly overhead of an individual as Emergency Fund not more than that. (Because Cash is powerful but not a good investment)

Considering increasing health care cost and uncertainty over health issues due to changing life style of the people, Health Insurance becomes very essential today, as it not only protects your health but your wealth as well.

Because, in the event of hospitalization of any of our family members, our entire focus will be shifted towards treatment irrespective of our financial preparedness. In such situations, Health Insurance will prevent us from liquidating our physical assets or financial assets (meant for some other purpose) for treatment or seeking debts from outside.

So, buying sufficient health insurance is essential today and also review the sum insured over a period of time to match the rising medical costs. Health Insurance cost is not so expensive as Health care cost is.

Most importantly, continuity of Health Insurance is as important as buying it.

Owning a Home is an important and essential aspiration of each and every individual who do not have one for them. They should have a simple plan in place to make it happen.

• Decide on the budget for your home

• Find out how much home loan you are eligible for

• How much down payment you need to get ready with (difference between your budget and loan amount)

• Accumulate down payment fund if the time period is short and invest for the down payment if the time period is long enough

• When you are nearing your target period, keep looking for a suitable property.

• Once identified, you can execute the registration process and you can have your dream home.

Planning for children’s’ college education is an important objective of every parents. The cost of college education is expensive today and could be significantly high when your son / daughter gets ready for college education at the age of 18 years. So, proper planning would make this important expense easier to handle.

If you start investing for your children’s education right from the first year, your contribution will earn interest and get compounded. The parents who fail to act, go for education loan and end up paying interest. Wise people will choose to take interest rather than paying interest.

Common mistake committed by the parents while planning for their children’s college education and marriage which can be easily avoided once they understand what they are.

• They defer the planning and end up starting late

• They underestimate the effect of inflation and fall short of their requirement

• They choose the wrong product to meet the goal

• Risk is part of our life. They fail to cover the risk.

Retirement Planning is the process of making sure the required cash flow is available during our retired life. Retirement Planning has become very important due to the following reasons.

• Increasing life expectancy (people live a longer retired life)

• Inflation increases the cost-of-living year on year

• Increasing Medical costs (Medical Inflation is believed to be in double digits)

• Disintegration of joint family system

• Absence of Social Security Schemes

• Low returns in conventional investment products