When should I exercise my ESOPs?

-Most of the time, people look at the exit point in the esop and not the exercise period.

-Since there is a significant tax liability when you exercise, lowest price is best.

-This reduces the perquisite tax thereby resulting in tax savings.
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What facts should I consider before Investing in debt funds?


Debt Funds have a whole range of options to choose from FRF to Liquid to Income to GSec

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* – Firstly, one needs to decide on the duration. When Interest rates go down, long duration is better whereas when interest rates go up, short duration is better.
* – Secondly, one needs to understand that a credit quality investor tends to go for a high return fund not realizing that they invest in poorer quality bonds.
* – At the current time, when the economy is not in the best shape, it is important to look at credit quality.

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Should I invest in NPS?


Should I invest in NPS?

NPS or the National Pension Scheme is relatively a recent introduction by the government. The NPS helps individuals to plan for their retirement income. Being a long term need it encourages people to invest into NPS from an early age by also giving tax benefits while you invest.

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* – If you are salaried, upto 10% of your salary can be invested into NPS. There is an additional deduction available for NPS to the extent of Rs 50,000 which is over and above the limit of section 80C.
* – NPS is a low cost scheme that allows you to choose how the funds are invested. You can invest both in equities and also safer debt instruments. The equity exposure is capped to 50% for investors, which reduced the flexibility.
* – One needs to keep in mind that NPS is has restrictions on withdrawals. One can withdraw amounts for specific needs.
* – After 60 years, 60% of the corpus can be withdrawn in lump-sum. This has now been made tax free. The pension that you receive is taxable.
* – NPS is definitely and option to consider as part of one’s pension planning. It provides tax benefits on investing and is a very low cost scheme. On the flip-side keep in mind that the scheme is not as flexible as avenues like Mutual Funds and liquidity is poor.

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What are the Investment options available for retirement planning?


The traditional way of planning for retirement is to buy a pension product. Buying a pension product suffers from a few disadvantages. Firstly, most pension products do not take care of inflation post retirement. Secondly, its too concentrated to the avenue it invests into. Thirdly, it lacks the flexibility. A pension plan can be one of the options to plan for your retirement.

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* – We suggest that you look at a diversified set of options to plan for your pension. You could use a set of options that are liquid, and provide stable returns even if they are lower. You could use long term avenues that deliver superior returns as well.
* – We like to use a diversified set of options including debt and equity mutual funds, pension plans, direct equity, PPF, tax free bonds, NPS, etc. One option that I would like to specifically mention is NPS since it is relatively a recent introduction. There are tax benefits when you invest into the NPS which you can take advantage of. It was tax inefficient before and this has been now addressed with withdrawals becoming tax free.
* – As you come closer to retirement, it is important to manage your asset allocation so as to provide for your monthly pension from avenues that are not market linked.
* – You also need to provide for some liquidity to take care of unforeseen expenses.
* – In summary, we suggest that you use a diversified set of options that take care of risk, return, liquidity and taxation. Further, tracking the performance of your portfolio to ensure that you achieve your pension requirement is critical.

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How do I retire early


Let me give you an example of myself. I had a goal of retiring from corporate life and getting into the entrepreneurship mode at the age of 35. However, I was able to do this almost 5 years earlier. I will share with you what actually helped me achieve this goal of mine.

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* – Firstly, you need to outline your goal clearly. Many people I know do not end up achieving their goal is because they have a moving target.
* – Secondly, you need to have a clear game plan for the same. Ideally, you should do a financial plan and then decide on a practical time frame for retiring.
* – Thirdly, be disciplined as you work towards your goal. This is actually the most boring phase and needs to be followed though over many years. Hence, tracking on how you are doing Vs your goal is an important factor towards achieving your goal.
* – You need to be able to find the right mix of aggression to be able to achieve your goal early, but also be cautious so as not to lose you returns.

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PMS vs. MF? Which is better?


PMS vs. MF? Which is better?

Portfolio Management Services (PMS) is investment option in which you appoint fund manager to manage your funds

In a PMS, the portfolio is generally much smaller in assets and is much more concentrated with lesser number of stocks than equity mutual fund schemes.
The biggest advantage of PMS is the way they are allowed to operate.

Confused whether to choose Portfolio Management Scheme or Mutual Funds? Anil Rego, Founder & CEO of Right Horizons Financial Services makes an easy distinction between the two.

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Tips to move from employment to entrepreneurship

employment to entrepreneurship image


Tips to move from employment to entrepreneurship

Anil Rego, Founder & CEO of Right Horizons Financial Services, highlights certain things to be kept in mind on the financial front while advancing from employment to startup mode.

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How much of term cover should I take?


What is the ideal term cover to be financially secure? Watch Anil Rego, Founder & CEO of Right Horizons Financial Services, highlight how much term cover one should take and why.

– Human Eye Value
– Replace your income stream
– At a minimum, take care of expenses of family.
– Corpus can be deposited or invested by the family and live off of it due to inflation
– Can reduce to the extent of liquid assets.
– 50,000 per month will require 3.5 Lakhs.

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What should I bear in mind on the financial front while advancing from employment to startup mode?

Startup planning

What should I bear in mind on the financial front while advancing from employment to startup mode?

– Congratulations and best wishes to being an entrepreneur.
– Please make a financial plan and protect your family.
– Back up capital, especially if spouse isn’t working.
– Diversify any concentrated investment, eg. 3cr to 1 cr.
– I also started early, and this helped a lot
– Separate your business from your family.

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