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.

Talk to our certified “Senior financial planning advisors and Investment Advisory ”.

* – 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.

Talk to our certified “Senior financial planning advisors and wealth managers”.

Call us +91 98453 99780

Email : contactus@righthorizons.com

Whatsapp : +91 9148096684

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.

Talk to our certified “Senior financial planning advisors and wealth managers”.

* – 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.

Talk to our certified “Senior financial planning advisors and wealth managers”.

Call us +91 98453 99780

We do encourage to use online technologies.
Follow us
Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Email : contactus@righthorizons.com

Whatsapp : +91 9148096684

Market volatility with changes


What are the different ways to manage market volatility. There are three ways to reduce risk : firstly, you can reduce risk by diversification. As the saying goes, do not put all your eggs in one basket.

Market volatility with changes.

* The second way to reduce your risk is by increasing the tenure.
– Eg. If you looked at the sensex from inception and calculated the returns on a rolling basis, there was about 35% chance of losing money for a 1 year basis.
* However, if you increase the tenure, to 5 years, you would have lost only about 9% of the times.
* Finally, you can reduce risk by spreading out your investments. You can do this by systematic investing.
* So, if you logically put these two statistics together, if you invested in the systematic mode with a 3 year perspective, the chances of losing money is very very low.
* That is why we believe that disciplined investing in equities with a long term perspective is a recipe for great returns.

Talk to our certified “Senior financial planning advisors and wealth managers”.

Call us +91 98453 99780

We do encourage to use online technologies.
Follow us
Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Email : contactus@righthorizons.com

Whatsapp : +91 9148096684

Is a no risk product available in the market


There is nothing like a no risk product. Let me give you and example. We normally consider government bonds are risk free. Investors into government bonds of Greece lost about 50% of their principal.

* Similarly, one feels that bank deposits are safe. However, this actually depends on the creditworthiness of a bank.
Your bank fixed deposits are protected only upto Rs 1 lakh by a deposit insurance.
* The other aspect to keep in mind as is today prevailing in developed countries, is that the returns that you get out of a fixed deposit are so low that they are insufficient to take care of various needs.
* Today, pension funds in Japan have not much option but to invest in equities if they have to deliver any positive return to pay annuities.

Hence, it is important that every individual spends time not only in assessing what the returns a product would give, but also what is the risk of a product. And there is nothing like no risk.

Know more about how do we deal such problems in easy ways

Talk to our certified “Senior financial planning advisors and Risk Management advisor”.

Call us +91 98453 99780

We do encourage to use online technologies.
Follow us
Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Email : contactus@righthorizons.com

Whatsapp : +91 9148096684

How do I plan for my child’s higher education?


– For most parents giving your child a good education is a priority.
– You need to have an estimate of the possible requirement.
– It is good to start early, you van look at approximate cost and inflation.
– If you plan for a course like Medical, the amount is much higher.
– Look at how much you need after inflation. Start investing if its higher inflation.
– Use a combination of products and Invest. Eg, Long term risk reduces as you come closer to the end date.

Not sure how to save for your child’s higher education? Anil Rego, Founder and CEO of Right Horizons Financial Services, talks about how you can plan for your child’s higher education.

Follow us on:

Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Whatsapp : +91 91480 96684

Call: +91 98453 99780

Common mistakes in managing money


There are many mistakes people make when it comes to managing their money. Watch Anil Rego, Founder & CEO of Right Horizons Financial Services, give his expert views on these mistakes and how to avoid them.

Talk to our certified “Senior financial planning advisors and wealth managers”.
Common mistakes people make while managing their money

* – In the long term, equities give you the best returns.
* – However, we compare it with fixed deposits, look at it in very short intervals.
* – Buy high, sell low.
* – Goals
* – Understanding risk and return
* – Too conservative, too aggressive
* – Very low risk you may not be able to beat inflation and achieve your goals.
* – Too high risk leads to loss of money.

Know more about how do we deal such problems in easy ways

Talk to our certified “Senior financial planning advisors and wealth managers”.

Call us +91 98453 99780

We do encourage to use online technologies.
Follow us
Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Email : contactus@righthorizons.com

Whatsapp : +91 9148096684

How do I make money quick on markets?


Watch expert Financial advisor – Anil Rego, Founder and CEO of Right Horizons Financial Services give his views on making quick money in the market.

– Get Rich quick – Lose it quick.
– What is great about the market is that in the long run it delivers well.
– Speculating can also result in quick money.

Follow us on:

Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Whatsapp : +91 91480 96684

Call: +91 98453 99780

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.

Follow us on:

Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Whatsapp : +91 91480 96684

Call: +91 98453 99780

How do I teach my children value for money?


How important is it to teach your children value for money? Watch Anil Rego, Founder & CEO of Right Horizons Financial Services, discussing how you can instil a value for money within your child.

Follow us on:

Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Whatsapp : +91 91480 96684

Call: +91 98453 99780

Make an entrepreneurship venture a success


What ingredients can make your entrepreneurship venture a success? Watch Anil Rego, Founder & CEO of Right Horizons Financial Services, revealing these key ingredients.

Follow us on:

Facebook : https://www.facebook.com/Righthorizon…

LinkedIn: https://www.linkedin.com/in/right-hor…

Twitter : https://twitter.com/Right_Horizons

Whatsapp : +91 91480 96684

Call: +91 98453 99780