Kisan Vikas Patra is a saving scheme that was announced by the Government of India that doubles the money invested in eight years and seven months. The Directorate of Small Savings Government of India, sells these saving bonds through all Post Offices in the country so that the scheme can […]

Comparison of Kisan Vikas Patra and Varishtha Pension Bima Yojana

In your 20s, everything is shiny and brand new, filled with hope and you are open to experimentation. By your 30s you are starting to settle down. Obligations and responsibilities –a new family, new home, bigger car – start to take up all your time. You may even have started […]

Life insurance in your 30s

Five rules to help you invest for the long term Being a long term investor is also not an easy task, as for long term things might be not in your favour In the current scenario, keeping your savings in bank account doesn’t seem a sound decision as they offer […]

Five rules to help you invest for the long term

Highlights of union budget 2014-15   * Tax proposals on indirect tax front would yield Rs 7,525 crore. * ​Indian Custom Single Window Project to be taken up for facilitating trade. * Clean energy cess increased from Rs 50/ tonne to Rs 100/tonne. * Additional 5% excise tax to be […]

Highlights of Union Budget 2014-15 India

How is the lizard part of your brain costing you money? Are you sometimes mystified by how your money seems to mysteriously disappear? That’s because the primitive so-called lizard part of your brain is probably in charge of your spending. In the middle of your brain is a primitive group […]

Financial Planning- How is the lizard part of your brain ...

Congratulations! on taking the first step towards a happy family life. Here are few financial tips that you should keep in mind once you get back from your honeymoon. First and foremost get a marriage certificate made if it was not a court registered marriage. Optional: Change the wife’s name […]

Eleven Financial Tips For Newlyweds

If the terms “financial planner” and “investment manager” seem interchangeable to you, you’re not alone. Many people — even financial professionals — have a hard time differentiating. To truly maximize your financial well being, it’s important to understand the difference. Confusion is common because the terms don’t just describe job […]

Do You Need a Financial Planner or an Investment Manager?

How To Choose The Right Life Insurance Policy
Given that it is used by people to not only protect themselves but also their belongings and loved ones, how does one decide that a particular level of insurance, especially life insurance would be enough? Even in cases, where one holds multiple insurance policies, how would one be able to […]

How To Choose The Right Life Insurance Policy

So how are those 2014 financial resolutions going?” If you find that question cringe-inducing, trust me: you are not alone. And you may be over-reacting. As a financial advisor, I can assure you it’s still plenty early for you to turn your good financial intentions into actionable steps and repeatable […]

How Fit Are Your Finances? What to Check Up on ...

For the most part, the best way to keep motivated is to make your resolutions as structured as possible. No matter where you are in the broad spectrum of financial security, it’s important to always keep track of where you are and where you want to go. The following tips […]

How to jump-start your financial plan in 2014

1. Inflation Indexed Bonds (IIBs) were issued in the name of Capital Indexed Bonds (CIBs) during 1997. How is the new product of IIBs different from earlier CIBs? The CIBs issued in 1997 provided inflation protection only to principal and not to interest payment. New product of IIBs will provide […]

Inflation Indexed Bonds (IIBs)

Recent college or university graduates with their first career job have an understandable itch to spend money. The last thing they want to think about is saving money and building assets. Yet this is the ideal time in life to start developing the correct habits that will lead to a […]

investment planning for young adults – Myths busted

Retirement is a social construct and the age of retirement is usually linked to state pensions. Some folk decide to become “old” just because they have reached 65! We need to remind ourselves that a young person does not stop being young just because he / she gets older. The […]

7 Key things to consider before retiring

Why should you go for paid service? Especially when so many aunts, uncles, colleagues and other distributor friends and insurance agents are offering advice for free and are also ‘passing back’ a portion of their earnings to you, a lot of our clients ask us this question. The answer to […]

Why should you go for paid service?

Shriram Transport Finance Company Ltd. Secured Redeemable NCD. Key Features of the NCD: Rating: CRISIL AA/Stable & AA + by CARE Issue Size – 250 Crores with an option to retain oversubscription upto Rs.250 Crores Tenor – 36,60 & 84 Months Interest Payment –Annual & Cumulative all options available. Coupon: Category of Investor 3 […]

Secured Redeemable NCD – Shriram Transport Finance Company Ltd.

In the current scenario, everyone is in a rush to buy a dream house. There is nothing in wrong in doing so, provided you follow a simple checklist: Is house an asset or liability? The notion that a house is an asset is prevalent since many generations. It is a […]

Do not let your Dream House become a Nightmare!

Remember the story of the ant and the grasshopper? The ant worked hard all summer, gathering wheat grains to store for winter. And the grasshopper? He just hopped around, enjoying the sunshine and laughing at that sweaty ant. Well, once winter hit, the grasshopper wasn’t laughing, but was cold and […]

Are you a Ant or Grasshopper

Issue Details   Issue Opens On                                : Friday, August 30, 2013   Issue Closes On                                : Monday September 23, 2013   Rating                                                   : “CRISIL AAA/Stable” by CRISIL, “CARE AAA” by CARE, “IND AAA” by IRRPL, “[ICRA] AAA” by ICRA   Interest Rate for Retail                 : 8.26% p. a for 10 […]

REC Tax Free Bond – Issue Details

Whether or not you make other New Year resolutions, here is one you should make. Don’t postpone savings or investments. The new urban lifestyle has made people more prone to spending than to saving or investing. With India Inc prospering and young professionals getting handsome packages, people today are financially […]

Delays are costly in retirement planning

deposit 007
You must be reading in daily news paper that RBI will reduce Rate of Interest on Deposit with immediate effect so as to protect economy and rupee value. We suggest you to kindly grab the opportunity of Higher Rate of interest, & deposit surplus amount with you in Shriram Transport […]

Double Digit return in 78 months!

The key to any good relationship is trust and the client/agent relationship is no exception. You need to trust your agent’s knowledge, experience and professional judgment. And above all, you always should feel that the agent is acting in your best interest. The agent also needs to trust you. He […]

What to Expect When You Meet with Your Insurance Advisor

Individuals falling in the high income group often miss out on some of the lesser known tax planning strategies which could substantially reduce their tax liability. (1) Gift or Loan to Major Children – Avoid investing the amount in your own name as it will attract tax, rather gift the […]

Income tax tips for Rs. 200,001 to 1,000,000 slab

How to e-file your tax returns If you have a taxable income of Rs 5 lakh and above, it is mandatory for you to e-file your tax return. An average taxpayer should take roughly 30-40 minutes to key in all the information and upload his return.    Here’s how to go about […]

How to e-file your tax returns

Achievement of any goal needs a well thought out plan. Similarly, achievement of your financial goals needs a financial plan. Consider the following questions about your financial future: Do you know if your PF would be enough to give you a comfortable retirement? Do you know how much you need to […]

Why should you have a Financial Plan?

In today’s uncertain economy, financial planning has become increasingly important. With an overwhelming number of options for saving and investing, managing your finances can be difficult. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your […]

The Importance of Having a Financial Plan

The craving for wealth and possessions can lead us into all kinds of temptation. While we spend evenings and weekends earning extra money, we are depriving our families of our love and attention. What comes to mind when you think of yourself as being rich? Do you see yourself living […]

Comprehensive goals-focused Financial Planning

How to choose a Financial Planner Financial planning isn’t just for the wealthy. Having a financial plan increases the odds that you’ll reach your long-term financial goals, because you have taken the time to set targets and establish a realistic plan to reach them. Depending on your background and goals, […]

How to choose the best financial planner

Common misconceptions of Financial planning dispelled There are many misconceptions people have about financial planning services. In order to help dispel these misconceptions we have provided you with answers to some commonly asked questions. We would be happy to assist you if you have additional questions or would like to […]

Common misconceptions of Financial planning dispelled

5 Key Benefits of financial planning Comprehensive Financial Planning will help you to comfortably reach your goals. The money side is boring – what is exciting is what that security can do for your life. By developing a comprehensive financial plan, you should take control over your finances and achieve […]

5 Key Benefits of financial planning

Yesterday Finance Minister informed to Rajya Sabha about the number of complaints registered against insurer for unfair business practice during the period of 2012-13.  Below is the list of top achievers 🙂 1) HDFC Standard Life-33,813 2) Bajaj Allianz-21,745 3) Birla Sun Life-21,651 4) ICICI Prudential Life-16,891 5) Reliance Life-16,401 Leading private life insurers […]

Did you buy HDFC Standard Life, Bajaj Allianz, ...

There are dangers of comparing financial products because each product is designed for different purpose and needs. But comparisons are tools to help us arrive at decisions that account for our needs and suitability. We often hear how life insurance products give low returns compared to other products and it […]

Magic of LIC as tax-saving tool! Why should one invest ...

New survey shows Families Need Financial Planning Help A recent study showed that 85% of families with children have no financial plan. I strongly feel that the majority of the other 15% don’t have a financial plan either – at least not one that truly reflects their desired financial path […]

New survey shows Families Need Financial Planning Help

Plan for the unexpected: Having a plan for when unexpected things happen is an important part of managing your money. When you’re fit and healthy, it’s hard to imagine life changing. But what would happen if you couldn’t earn an income because you fell ill or became disabled? How would […]

Top 5 things you need to know about Life-Insurance

Investment Portfolio Review Offer Many families hold their investments at several institutions, losing track of their investment performance and allocations.  Others are unsure about the advice they are getting from their stockbroker/Insurance agent.  Rarely are individual investors able to get a second opinion on their investments from a seasoned manager. […]

Investment Portfolio Review Offer

1. Spend less – Keep a check on your spending. It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the […]

10 Financial resolutions for the new year 2013

  Life post retirement under old age can be very difficult and nightmarish without proper financial support. The situation arise due to lack of or improper retirement planning or failed expectations you had from your children regarding taking care of you and your spouse when needed the most. Lots of […]

Innovative retirement planning for seniors – Reverse Mortgage

It is important to understand the similarities and differences between saving and investing your money. It is also important to be sure that you are doing both within your budget and wealth building plan. Basically saving money is putting money aside on a regular basis. You spend less money than […]

Saving vs Investing – Do you know the real difference?

It’s amazing when you really stop and think about all the effort you put into protecting your family. You provide a roof over their head, a safe, loving environment and the encouragement to tackle each day confidently. You do all this naturally because you love them. Life, unfortunately, doesn’t give […]

Life insurance — it’s protection for your family and peace ...

why insure
Life insurance can be an important asset to have, no matter where you are in life. If you have a family of your own, life insurance can help your family survive financially, if they didn’t have your income to support them any longer. And for retirees, life insurance can benefit […]

What are the Advantages to Having Life Insurance?

Fatherhood is a beautiful feeling for every father of a newborn baby. But then a baby changes the whole thing, including your bank balance. While many expenses are inevitable – like medical and vaccination costs – as a new parent, you can still slice major costs with some thought, planning […]

Financial planing for new parents – a quick guide

AssuredGain – Chennai’s leading financial planner brings a series of article decoding myths of life insurance. We’ll do anything to protect our loved ones, right? But, far too often, most people don’t have life insurance, or if they do, they do not have enough. Their reason for not having life […]

Life Insurance Myths: Get the Facts and Protect What Matters ...

After a long delay, government has clarified on this new tax saving scheme.   Rajiv Gandhi Equity Savings Scheme (RGESS) is introduced  to encourage small investors to channelize their savings into domestic capital markets. The scheme has been framed consequent to the introduction of Section 80-CCG in the Finance Act […]

Rajiv Gandhi Equity Savings scheme – Update

Financial planner chennai
Do you have a reliable, trustworthy and knowledgeable financial planner?     Many times I wonder why people make so much chaos with their personal finances. Individuals give so much importance to their house interiors, tasty meal and attractive clothing but are found to be really very bad in their […]

Do you have a reliable, trustworthy and knowledgeable financial planner?

When it comes to love, each couple has their own special ways to show how they love each other. However, one universal way couples show love to one another is by taking care of each other. But what would happen if one of them were to die unexpectedly, could they […]

Life insurance aka Love Insurance – True expression of love

Financial Independence versus Financial Freedom have slight difference.   Let us try to understand these two terms and their significance. Financial Independence =  Zero-debt + Adequate Emergency Funds + Adequate Health Insurance Cover + Income excluding Salary and Investments >= Average Monthly Expenses So, when you’re financially independent, you don’t owe a […]

Financial Independence versus Financial Freedom

Tax Planning
Planning for taxes is a priority for all of us. But instead of planning for taxes, it’s ideal to have a financial plan which can be aligned with the tax planning. Remember, our life cover and investments should not be determined only by tax planning. AssuredGain expert will guide you […]

Tax planning, a puzzle for you? Not anymore.

My Naveen  asked me the other day- ” I am 52, should I start retirement planning now ? Am I late starter?” The question prompted me to think on how to do retirement planning for late starters but before we go there, is 52 late in starting? Given all the […]

Retirement Planning india for 50+

This is a new tax-saving investment scheme introduced by our finance minister and is now approved for roll out. RGESS is a tax saving scheme meant to invest retail investor’s money into the stock markets that will allow tax breaks.  This scheme is similar to ELSS . Let us take […]

Rajiv Gandhi Equity Savings Scheme –2012

CLASSIC BUFFETTISMS: “Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars.” “Only when the tide goes out do you discover who’s been swimming naked.” “It’s better to hang […]

A Day in the Life of an Ordinary Billionaire –

Many MBA graduates are unaware of NCFM and therefore are losing valuable employment opportunity.  Many stock-broking firms have made NCFM mandatory for career in stock broking office and same applies for MBA too. Recently few MBA students of a reputed management school in Chennai  lost job offer from a reputed […]

MBA jobs in chennai for freshers with NCFM

  What is NCFM? The National Stock Exchange’s Certification in Financial Markets (NCFM) is an online testing and certification process. The entire process—from the generation of question papers to testing, assessing, scores reporting, and certifying—is fully automated. It allows tremendous flexibility in terms of testing centers, dates, and timing by […]

Career Prospects – NCFM, MBA

Financial Planing NRI Significant number of investments are made by NRIs during their short visits to India.  During that period, when they visit their bank or speak to relatives/ friends, they get a broad view on what is happening to various asset classes – be it real estate, stock markets, […]

Financial Planing for NRIs in a nutshell

Albert Einstein, arguably one of the most intelligent people who ever lived, was asked what he thought was the greatest of mankind’s discoveries. His answer: “compound interest.” He went so far as to call it the eighth wonder of the world. As an example of just how powerful this can […]

Eighth Wonder of the World to get Rich – ...

How to become Crorepati in a few short steps ! Very gleefully my client, a salaried individual said , ‘I want to have a net worth of 50 crores in the next ten years , that’s why I am here to see you ‘. I couldn’t help think that he […]

How to become Crorepati in a few short steps !

Rajesh (36) a manager in a reputed BPO firm had been informed by his office colleague that investment in land was one of the best things to do for earning higher returns. After considering a proposal which came his way, Rajesh purchased half an acre of agricultural land for sum of […]

Have you made allocation for Emergency Fund?

How to Save Money on Prescription Medications!
Generic Drugs May Save You Money Generic drugs offer the same effectiveness at about one third of the price of brand-name drugs As the cost of medical care, including drugs, continues to grow, many members are looking for ways to save money on health care costs. The price disparities between […]

How to Save Money on Prescription Medications!

Online Vegetable Shopping in Chennai: Review Chennaites if you’re too busy to get to the fruits and vegetables store, there’s many ways for the fruits and vegetables store to come to you! Online Fruits and vegetables shopping have been rapidly expanding over the past several years, with lots of different […]

Online Vegetable Shopping in Chennai: Review

As the Tax season is close by many of the Tax payers will be breaking their heads to save taxes. As i always say people should start planning their taxes in the beginning of the financial year than breaking their heads at the last moment and making hasty investments which […]

Income Tax: Documents Required for TDS and HRA Relief

There are many benefits from undertaking the services of Financial Coaching. Depending on your circumstances and your commitment to change, these could be many and varied and include: Confidence and knowledge in handling your finances and planning for your future Setting your kids up to be financially successful Knowing how much […]

What Benefits can I Expect From Utilizing the service of ...

If the sales pitch for real estate has suddenly gone up, as have the discounts, don’t think it is the generosity of the builders driving this kind of sales. Poor sales in newly developing areas and a dip in demand from homebuyers is leading to an inventory pile up. This […]

Are you investing in real estate? Unsold housing may trigger ...

Most individuals we come across, are more worried about saving taxes than saving for their future. However, in the pursuit to save taxes, individuals more often than not, ignore financial planning. Many are of the opinion that planning their personal finances can be accorded a lower priority, after tax planning. […]

Tax saving is not enough! Go ahead do Tax Planning!

Assuredgain believes the path to success is by keeping it simple. Three golden mantras to achieve financial freedom are: You must spend less than you earn Commit to a strategy you can follow. Be disciplined and exercise patience. Tax season forces people to take a cold hard look at their […]

3 Golden Mantras to Achieve Financial Freedom

Welcome to AssuredGain - Wealth Creator, Chennai, Tamil Nadu, Financial Advisor Chennai, Mutual Fund Chennai, Investment Service Chennai, Mutual Fund Advisor Chennai, Financial Advisory Service Chennai,
Maximizing savings is one of the most important things you can do to ensure you are comfortable in the future. Unfortunately, many people fail to put in place strategies that increase their wealth. A good way to start saving is to make a lump sum deposit into a separate savings […]

Maximizing savings: ONE FOR THE MONEY

Warren Buffett  needs little introduction, especially for those focused on the business of making money. The richest man in the world is arguably one of the most successful investors of all time. But he’s also one  of the most mysterious. In a world where fast money and big egos rule, […]

The Business of Being a Billionaire – Warren Buffett

Money means different things to different people.  Each of us has different dreams. You may want to achieve or maintain financial freedom so that you never have to work again – even if you plan on working the rest of your life. You may want to make a high quality […]

Taking a comprehensive approach to your financial life

Are you underinsured, overinsured, or just plain insured? Life insurance in its purest sense is protection against a financial loss / uncertainty which includes the risk of illness, disability, damage to property, and the most final of them all – one’s demise. The value of your loved one’s life is […]

Are you underinsured, overinsured, or just plain insured?

Loss Aversion: In economics and decision theory, loss aversion refers to people’s tendency to strongly prefer avoiding losses to acquiring gains. Some studies suggest that losses are twice as powerful, psychologically, as gains. V Raghunathan explains this phenomenon in his book The Corruption Conundrum and Other Paradoxes and Dilemmas. ‘The […]

Loss aversion? Most investors and traders are victim of this ...

Welcome to AssuredGain - Wealth Creator, Chennai, Tamil Nadu, Financial Advisor Chennai, Mutual Fund Chennai, Investment Service Chennai, Mutual Fund Advisor Chennai, Financial Advisory Service Chennai,
As India progresses, most of us now have a plethora of investment opportunities to choose from. The more the options the more queries one has. One area where almost all of us have a host of queries is Insurance. Insurance plans whether traditional plans or ULIPs have many details that […]

Life Insurance handbook: Pocket guide to all your insurance queries

Accident insurance policy – Must buy policy for every individual Accidents are the fact of life. Chances of mishaps happening to ourselves seem almost remote but they could happen at a time when you least expect it. The probability of you met with an accident in India or abroad is […]

Personal accident insurance policy? Must buy policy for every individual

Family Health Insurance @ just Rs. 20/day  Family Floater Policies are enhanced version of mediclaim policy. The sum assured value floats among family members. i.e. each opted family member comes under the policy; it covers expenses for the entire family up to the sum assured limit. The premium for family floater […]

Family Health Insurance @ just Rs. 20/- per day

Single? You may need financial planning more than a married person. I am writing to the truly single person. You fit my definition if you do not have children, you are not married, and/or any parents children, siblings or other relatives are uninvolved in your life (whether the distance is […]

Financial Planning for Singles

What is NCFM:  NSE’s Certification in Financial Markets.   NCFM: NCFM is a nationally recognized certification which is mandatory for various professionals in capital markets in India. Individuals aspiring to enter the financial services industry in India have better prospects if they first get the NCFM certification. AssuredGain’s training programs […]

Advantage of passing NCFM EXAM

Tax Planners Chennai, Insurance planning,Investment planning,Financial Planners in chennai,Certified financial planner in Chennai,Comprehensive financial plan,Financial Planning chennai India,
At the end of every financial year, many tax payers frantically make investments to minimize taxes, without adequate knowledge of the various available options. The Income Tax Act offers many more incentives and allowances, apart from the popular 80C, which could reduce tax liability substantially for the salaried individuals. Here […]

10 Tax saving strategies for salaried individuals

Financial and Investment Planners Chennai, Insurance planning,Investment planning,Financial Planners in chennai,Certified financial planner in Chennai,Comprehensive financial plan,Financial Planning chennai India,
The word “Gold”  immediately catch attention of most  Ladies. The question is “ Is it good for gentlemen too?” Here is the information which may change the declining consumption of gold in India. As they say the Ladies are generally found of Gold Jwellery, while most Men are more focused […]

Investing in gold? MUST READ this!

chennai flats
Expensive Education, Good Job, Marriage Expenses and finally a flat of your own. The struggle goes on.  The city suddenly  has become expensive and so is the residential flat. Like old days again a dream house has become out of reach of most of the people. Here is a good […]

Buying a Flat in Chennai? Read this first!

Is SIP really a good mode of investment??? Should I really continue with my SIPs??? Would I not be better-off investing in RDs/PFs/Gold??? Should I increase my monthly SIP investments??? Such thoughts could have crossed the minds of most people who have either a SIP running or are considering to […]

Should you continue your SIPs?

Investment Planners Chennai, Insurance planning,Investment planning,Financial Planners in chennai,Certified financial planner in Chennai,Comprehensive financial plan,Financial Planning chennai India,
  India has one of the highest percentage of Savers and below-average percentage of Investors. For many Indians the sole reason they invest is only to save on Income Tax and sadly most people dont see any need beyond that. Gone are the days where interest rates were regulated, people […]

Why You Should Start Investing at a Young Age?