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# Hum Fauji Initiatives

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## Posts

- [Blog](https://humfauji.in/blog/) - 31MarMarch 31, 2026 Market Update 4 : Markets Won’t Wait for Peace! humfauji2026-04-30T11:06:45+05:30 Markets Don’t Wait for Peace — And Neither Should You Investor Note | March 2026 If you were sitting across from me today, I would tell yo... By humfaujiInsurance Read more... 23MarMarch 23, 2026 Market Update 3 : The Real Risk Today
- [Market Update 4 : Markets Won’t Wait for Peace!](https://humfauji.in/market-update-4-markets-wont-wait-for-peace/) - Markets Don’t Wait for Peace — And Neither Should You Investor Note | March 2026 If you were sitting across from me today, I would tell you this very clearly: Over the last few days, both the war and the markets have become more volatile — but at the same time, more revealing.Let me explain.
- [Market Update 3 : The Real Risk Today Is Not the War!](https://humfauji.in/market-update-3-the-real-risk-today-is-not-the-war/) - Markets, War & Investor Behaviour: What Really Matters Right Now Weekly Investor Note | March 2026 Over the past week, the Iran–US–Israel conflict has continued to evolve — but not in the way markets initially feared. :contentReference[oaicite:0]{index=0} This is evident in market behaviour itself. Despite intense headlines, several trading sessions have closed in the green,
- [Market Update 2 : Navigating Markets Amid Continuing Iran–US Conflict](https://humfauji.in/market-update-2-navigating-markets-amid-continuing-iran-us-conflict/) - What Should Investors Do During Geopolitical Conflicts? Weekly Investor Note | March 2026 Dear Investors, Over the past week, many of you have reached out with the same question: What should investors do in the middle of a geopolitical conflict like the one we are witnessing today? Such situations naturally create anxiety. Headlines change rapidly,
- [Market Update: Staying Focused during Geopolitical Volatility](https://humfauji.in/market-update-staying-focused-during-geopolitical-volatility/) - How Geopolitical Tensions Impact Markets — And What Investors Should Do Published on: March 2026 Over the past few days, global financial markets have been reacting to escalating tensions between the United States, Israel, and Iran. Geopolitical developments in the Middle East typically create uncertainty in global markets, particularly due to their potential impact on
- [Home Loan for Armed Forces Personnel: What Banks Don’t Tell You](https://humfauji.in/home-loan-for-armed-forces-personnel-what-banks-dont-tell-you/) - Avoid costly home loan mistakes. A structured guide for Armed Forces officers covering EMI planning, balance transfers, tax benefits & retirement alignment.
- [Union Budget 2026–27: What It Means for You as a Retail Investor](https://humfauji.in/union-budget-2026-27-what-it-means-for-you-as-a-retail-investor/) - Understand how Union Budget 2026–27 affects retail investors, salaried professionals, retirees, taxes, compliance, infrastructure, and long-term investing.
- [NRI Investments in 2026: Five Essentials to Stay on Course in a Changing World](https://humfauji.in/nri-investments-in-2026-five-essentials-to-stay-on-course-in-a-changing-world/) - Discover 5 essential investment strategies NRIs must follow in 2026 to manage risks, adapt to global changes, and grow wealth confidently.
- [From the Uniform to the Community — A Continuing Commitment [News Update: Army Day Parade 2026]](https://humfauji.in/veteran-achievers-award-2026-at-army-day-celebrations/) - Hum Fauji Initiatives’ CEO Col Sanjeev Govila (Retd) honoured with the Veterans Achiever’s Award at Army Day Parade 2026 for lifelong service to the armed forces community.
- [What should the Investors do for Profitable Investing in 2026?](https://humfauji.in/what-should-the-investors-do-for-profitable-investing-in-2026/) - 2025 has been a year that has tested every investor’s patience. A part of what markets are doing now was always on the cards, and a part has genuinely surprised even seasoned experts. Yet beneath the current volatility, the bigger story is intact: India’s economy is strong, earnings are expected to improve, and 2026 is
- [Loan Against Mutual Funds for Indian Armed Forces Personnel](https://humfauji.in/loan-against-mutual-funds-for-indian-armed-forces-personnel/) - Need quick funds? Get a Loan Against Mutual Funds (LAMF). Keep your SIPs growing! Fully digital process, low interest, and flexible overdraft.
- [Health Insurance for Armed Forces Officers—Serving, Retired and their families](https://humfauji.in/health-insurance-for-armed-forces-officers-serving-retired-and-their-families/) - Explore health insurance options for serving & retired armed forces officers and families. Know why ECHS alone isn’t enough and how private plans add security.
- [Best Term Insurance Plans for Armed Forces Officers and Veterans](https://humfauji.in/best-term-insurance-plans-for-armed-forces-officers-and-veterans/) - Explore top term insurance plans for Armed Forces officers and veterans to bridge AGIF/NGIS/AFGIS gaps and secure your family’s future post-retirement.
- [Secure Your Family’s Future with the Best Insurance Advice for Armed Forces](https://humfauji.in/secure-your-familys-future-with-the-best-insurance-advice-for-armed-forces/) - Discover why Term Insurance is vital for Armed Forces Officers & Veterans. Learn how to protect your family’s financial future beyond AGIF/NGIS/AFGIS cover
- [Premature redemption price of gold bond fixed at Rs 5,115 per unit](https://humfauji.in/premature-redemption-price-of-gold-bond-fixed-at-rs-5115-per-unit/) - Mumbai: The price for premature redemption of sovereign gold bond (SGB) due on Tuesday has been fixed at Rs 5,115 per unit, an RBI release said. Premature redemption of Gold Bond is permitted after the fifth year from the date of issue, and the due date of SGB 2016-17, Series III issued on November 17,
- [Liquid Funds – a better alternative to Savings Bank account](https://humfauji.in/liquid-funds-a-better-alternative-to-savings-bank-account/) - Most of us generally have a good amount of money lying around in our various savings bank account earning just 4% per annum. This money may be a part of our salary waiting to be spent, maturity amounts of insurance policies or FDs, redemptions from investments or any other credits received from elsewhere. We may
- [The NRI’s Guide to Investing in ETFs: Building a Borderless Portfolio in Indian & Global ETFs](https://humfauji.in/the-nris-guide-to-investing-in-etfs-building-a-borderless-portfolio-in-indian-global-etfs/) - NRIs & defense families can invest smartly in ETFs. Explore low-cost, diversified Indian & global ETFs with Hum Fauji’s expert NRI advisory support.
- [The Power of Diversification in Investments](https://humfauji.in/the-power-of-diversification-in-investments/) - Learn about tax-free bonds, their features, benefits, and why they're an attractive investment option for individuals seeking tax-exempt returns.
- [The Safe Investment Option for Armed Forces Officers and Veterans](https://humfauji.in/the-safe-investment-option-for-armed-forces-officers-and-veterans/) - For armed forces officers, trust and safety matter most. Among many options, bond investments stand out as the most reliable fixed-income choice.
- [Why Armed Forces Personnel Need to Have Adequate Life Insurance?](https://humfauji.in/why-armed-forces-personnel-need-to-have-adequate-life-insurance/) - While life insurance is a protection that everyone with dependants must have, it is even more pertinent for armed forces personnel to have one, given the nature of their jobs. Whether it is manning remote areas or serving in conflict areas, armed forces personnel face greater risk to life than civilians. Besides having adequate life
- [Financing Your Insurance Policy from DSOPF - Is it such a good Idea?](https://humfauji.in/financing-your-insurance-policy-from-dsopf-is-it-such-a-good-idea/) - To an armed forces officer, Defence Services Officers’ Provident Fund (DSOPF) is a very precious resource. While the earlier perception was to contribute ‘as much as possible’ into it whenever possible, thankfully the perception is changing now. It is finding its rightful place in the portfolio as a pure debt component with full sovereign safety
- [NPS Features and Benefits for Armed Force Officers](https://humfauji.in/nps-features-benefits-for-armed-force-officers/) - Do you buy a car only because it has nice headlights? Why don’t you buy a house only because there’s a mango tree in front of it? Why not marry a girl only because she bought your favourite brand of chips from a store? Outrageous, right? You don’t do any of these. Then why do
- [Sovereign Gold Bonds (SGBs): A Comparative Analysis with Other Gold Investment Instruments](https://humfauji.in/sovereign-gold-bonds-sgbs-a-comparative-analysis-with-other-gold-investment-instruments/) - Explore the features, benefits, and tax advantages of Sovereign Gold Bonds (SGBs) compared to physical gold, Gold ETFs, mutual funds, and savings schemes.
- [Best Home Loans for Fauji Families: A Specialised Service Handpicking the appropriate Home Loan for Armed Forces Families](https://humfauji.in/best-home-loans-for-fauji-families-a-specialised-service-handpicking-the-appropriate-home-loan-for-armed-forces-families/) - Specialized home loan assistance for Armed Forces families. Zero service charges, faster approvals, and tailored solutions from leading banks & NBFCs
- [Estate Planning: Will Or Trust - Which one should you opt for?](https://humfauji.in/estate-planning-will-or-trust-which-one-should-you-opt-for/) - Understand the differences between a Will and Trust. Learn which one suits your estate planning needs best. Expert advice and insights.
- [Do good to your parents – Help them Manage their Money](https://humfauji.in/do-good-to-your-parents-help-them-manage-their-money/) - Learning to ride a bike, you fall, and your father lifts you and gives you hope. One day, roles reverse; parents need us the same way—with care and support.
- [Smart money moves in time for the New Financial Year 2022-23](https://humfauji.in/smart-money-moves-in-time-for-the-new-financial-year-2022-23/) - Haven’t started your New Year goals yet? No worries! The New Financial Year, from April 1, is the best time. जब जागो तभी सवेरा 😊 Plan smart, execute well.
- [Do-It-Yourself (DIY) – Saving pennies or squandering dollars?](https://humfauji.in/do-it-yourself-diy-saving-pennies-or-squandering-dollars/) - Considering DIY mutual fund investing? How much could you save? What challenges might you face? Explore insights in our blog post!
- [Are you really financially free?](https://humfauji.in/are-you-really-financially-free/) - On the 75th Independence Day, the paradoxical question arises: Are you financially free? What truly defines financial freedom beyond money?
- [Why equities matter? Likelihood of earning at least 15 percent goes up, if you hold Sensex for 7 years and beyond](https://humfauji.in/why-equities-matter-popularly-acclaimed-article-in-moneycontrol/) - Equities are the best weapon against inflation. But why will stocks keep outperforming other assets? Here are 7 strong reasons to invest in equities.
- [Last minute tax saving tips for senior citizens, pensioners and others](https://humfauji.in/last-minute-tax-saving-tips-for-senior-citizens-pensioners-and-others/) - Smart tax-saving options for senior citizens under Section 80C. Explore SCSS, POMIS, NSC, PMVVY, FDs, PPF, NPS & ELSS before FY ends.
- [REITs: Consider Ticket Size, Transaction Costs, and Other Factors Before Investing](https://humfauji.in/reits-consider-ticket-size-transaction-costs-and-other-factors-before-investing/) - Explore REITs, their tax implications, positives, and India's current scenario. Decide if REITs suit your investment strategy. Read more.
- [Mutual Fund Investment: Are you a Do-it-Yourself investor by choice or by FOMO?](https://humfauji.in/mutual-fund-investment-are-you-a-do-it-yourself-investor-by-choice-or-by-fomo/) - Learn to save on fees, understand market volatilities, and become a successful investor with Col Sanjeev Govila's insights. Read more on Financial Express.
- [Your 2025 Tax Filing Starts Here! Smarter, Faster, Simpler](https://humfauji.in/your-2025-tax-filing-starts-here-smarter-faster-simpler-now/) - Gold service of Hum Fauji in the file ITR of the FY 2024-25 (AY 2025-26) with priority CA support, flat fees, and fast filing for the armed forces and families.
- [IS GOLD STILL A GOOD INVESTMENT DESPITE THE CURRENT RUN-UP?](https://humfauji.in/is-gold-still-a-good-investment-despite-the-current-run-up/) - Gold has, since time immemorial, allured mankind. While initially, the lure might have been due to its timeless lustre, in modern (and more material!) times, it has been due to Gold proving itself to be a storehouse of value, which refuses to get cowed down by the economic, political and financial gyrations of the nations
- [Investments for the recently Retired in India](https://humfauji.in/investments-for-the-recently-retired-in-india/) - Retirement marks the beginning of a new phase in an individual's life. It's a transition from a lifetime of work to a time when one can relax, spend time with the family and pursue other interests, which somehow take a backseat when on a regular job. Not only this, retirement also marks a transition in
- [Take a home loan intelligently!](https://humfauji.in/take-a-home-loan-intelligently/) - The old perspective that one should never get into debt has changed now. It is not because of ‘enjoy today, pay later’ tendency of the current generation, but because changing financial dynamics demand so. This is more so in case of home loans. A Home loan is taken for an appreciating asset, that is a
- [What matters more: Performance of investments or achievement of Life’s Goals?](https://humfauji.in/what-matters-more-performance-of-investments-or-achievement-of-lifes-goals/) - Getting into the best performing stocks, commodities, Futures & Options or even FDs at the best rate of interest has been the dream of most of the people. Let’s say you get such an opportunity – you invest in a stock which turns out to be the best performing stock of the year and doubles
- [You can help your earning child to manage money more wisely](https://humfauji.in/you-can-help-your-earning-child-to-manage-money-more-wisely/) - Dear Friends, Our full article on the subject which has been published in Times of India of today [14 May 2013 - In Delhi edition, it is on Page 9] is given below. Just for reiteration since the same has been sent to our subscribers earlier too last month. There is no doubt that accumulation
- [ARE TAX-FREE BONDS, BEING ADVERTISED NOW, SUITABLE FOR YOU?](https://humfauji.in/are-tax-free-bonds-being-advertised-now-suitable-for-you/) - When we sent a promotional mail to our subscribers few days back, we received a good response for these bonds including from some very young persons. We quizzed some of them and found that they really did not understand the actual nature of these bonds. We were actually able to dissuade some of them not
- [Can you take too much risk with your money and still survive?](https://humfauji.in/can-you-take-too-much-risk-with-your-money-and-still-survive/) - One of life’s most unpleasant surprises is to discover that you have suffered a significant loss because you underestimated the risks involved. Similarly, it can be almost as disappointing to find you have not made the most of your opportunities because you over-estimated the risks involved. This is a very important aspect especially wherever investments
- [Opportunity Cost of Delaying Financial Planning](https://humfauji.in/opportunity-cost-delaying-financial-planning/) - Dear Friends, While 2011 dissolves into brand-new 2012 and you look forward to the New Year with renewed optimism, we would request you to go through two articles which we have culled out for you from our archives. They present before you a fresh perspective of looking at matters financial – we’re sure they will
- [Budget Implications](https://humfauji.in/budget-implications/) - Dear Friends, The budget this year has been a balancing exercise for the UPA Govt in general and the Finance Minister (FM) in particular. The need to continue with the Growth plank while still not losing sight of state elections this year and the General Elections next year is not easy. The budget could be
- [Rajiv Gandhi Equity Saving Scheme (RGESS): Is It For You?](https://humfauji.in/rajiv-gandhi-equity-saving-scheme-rgess/) - Dear Friends, We had given a mail to you all yesterday highlighting salient aspects of Budget FY 2013-14 of concern to you. We received a lot of queries on the same, most of them pertaining to RGESS. People primarily want to know if RGESS can help them save additional tax. We demystify the same below.
- [When Guardians of money become Looters](https://humfauji.in/when-guardians-of-money-become-looters/) - A very informative article which appeared in an online magazine yesterday (06 Mar 2013) regarding mis-selling by banks, taking advantage of the trust reposed in them by their customers. It is interesting that while we decry corruption, chase individuals like those involved in StockGuru, we are completely oblivious to the systematic large-scale loot of private
- [Are you an Investor or a Collector of Investments](https://humfauji.in/investor-collector-investments/) - Very often, we have prospective financial planning customers walking into our office with a bagful of certificates – insurances, stocks, mutual fund statements, bank fixed deposits, company deposits, recurring deposits, provident funds, bonds and what-have-you. While visibly these people grumble about the variety they have collected over the years out of various compulsions, we can
- [WHY ARE THE INSURANCE AGENTS AFTER YOU IN THIS ‘OFF-SEASON’ ?](https://humfauji.in/why-are-the-insurance-agents-after-you-in-this-off-season/) - A large number of people have suddenly stated receiving unsolicited calls, SMS and pamphlets with their morning newspapers about ‘good’ insurance policies being unavailable after 01 Oct 2013 and they should take such policies before it is too late. What has happened which has generated such a huge concern amongst the insurance agents about
- [Would REITs make investing in real estate easy for you?](https://humfauji.in/would-reits-make-investing-in-real-estate-easy-for-you/) - (Courtesy: Personalfn.com/knowledge-center; dated 14 Oct 2013) Demand in the real estate sector has been sagging due to economic slowdown. Since many people are deferring their property purchases; inventory level in major property markets is rising. It is often found that due to higher ticket size, many find it difficult to buy properties. On the other
- [Revisiting Tax-free Bonds: Ideal Instrument for Retired and Retiring Persons](https://humfauji.in/revisiting-tax-free-bonds-ideal-instrument-for-retired-and-retiring-persons/) - I had written about Tax Free bonds a month back on my blog (read: http://humfauji.in/blog). There were many queries on the same. Hence, I felt the need to clarify some more on these tax-free bonds. In the meantime, the current crop of tax-free bonds on the block have improved in returns over the ones available
- [Four Things to Remember about Sensex at 21000](https://humfauji.in/four-things-to-remember-about-sensex-at-21000/) - The benchmark BSE-Sensex is back at 21,000 levels. And suddenly there seems to be a rush of enthusiasm amongst market participants. Just to recall, the first time the Sensex had touched the 21k level was in January 2008. Then as we know, the markets crashed in response to the global financial crisis. Then again in
- [Never Ignore Stock Markets](https://humfauji.in/never-ignore-stock-markets/) - At the start of every New Year, there are a series of articles focused on which asset class is likely to do well for the next 12 months. There are two fundamental problems with such a discussion: It limits the time frame of the discussion to the next 12 months. This is tantamount to projecting
- [Budget 2017 - A Quick Listicle](https://humfauji.in/budget-2017-quick-listicle/) - Now that the cat is out of the bag and I too will take my good time to share a detailed analysis of Budget 2017, here is a quick listicle on the same. Following is the point-wise gist of the budget presented by the Finance Minister, ArunJaitley, few minutes back. We were also tweeting the
- [Involving your better half in the financial planning.](https://humfauji.in/involving-your-better-half-in-the-financial-planning/) - When Wing Commander AK Singh (name changed), a serving Air Force officer, approached us for preparing his financial plan, it was clear to us that his expectations of sending two children to an expensive boarding school in the next three years while still in the process of acquiring a flat for his family, two office
- [There’s much more to safe investing than Bank Fixed Deposits](https://humfauji.in/theres-much-more-to-safe-investing-than-bank-fixed-deposits/) - Fixed deposits, as investment products, appeal to retail investors in India primarily for two reasons: the term of investment is fixed so that he knows that the money will come back to him after the chosen term, and the interest rates are known in advance, giving a sense of security to such an investor. In
- [Saving Money in a smart way](https://humfauji.in/saving-strategies-can-go-awry/) - While saving money is generally a smart financial strategy, there are situations where it can go awry or have unintended consequences. Here are some saving strategies that can backfire if not approached with caution: 1. Extreme Frugality: Adopting an excessively frugal lifestyle can lead to deprivation and unhappiness. Saving money is important, but it's essential
- [Problems of Armed Forces officers](https://humfauji.in/problems-armed-forces-officers/) - Typical Problems of Armed Forces Officers which hamper a good financial planning and investment for them:- Postings to remote locations – very difficult to get any reasonable financial advice. At the best, an insurance agent may be the only available financial advisor, with no idea of the concept of financial plan and maybe, with his
- [Early Start, Good Planning will result in Good Future Ahead](https://humfauji.in/early-start-good-planning-will-result-good-future-ahead/) - Lt Col Jit Bahadur Chettri, a 39 year old Indian Army officer, is posted in a remote area in North-East India. His wife Ritu is also an officer in the Army Education Corps. They have two sons, Sparsh and Utkarsh, aged 9 and 7 years respectively. He represents that rare breed of officers who are
- [CPI Based Inflation Indexed Bonds – Are they For You?](https://humfauji.in/cpi-based-inflation-indexed-bonds/) - After one trial-and-error (Inflation Indexed Bonds, IIBs, issued earlier this year but linked to Wholesale Price Index (WPI) which did not find favour with people), the Govt seems to have got it right in issuing the safe, long-term instrument linked to Consumer Price Index (CPI). Or is it? Let us analyse it below. Called Inflation
- [Do you require a Financial Plan](https://humfauji.in/do-you-require-a-financial-plan/) - Dear Friends, Nowadays all the media is buzzing around the need for a financial plan. It must have also triggered a question in your mind - “Do I require a financial plan?” Well it all depends upon your financial condition and your future objectives. In order to help you decide whether you really require a
- [Why Mutual Fund investors usually end up on the Losing Side](https://humfauji.in/mutual-fund-investors-usually-end-losing-side/) - For mutual fund investors in India, getting the timing wrong seems to be the norm. An analysis by ET Intelligence Group shows the average retail investor buys mutual fund units when the market is trading at above-average valuations and sells when shares are priced attractively (for purchase). The result: he ends up on the losing side.
- [Investing in Debt through Mutual Funds](https://humfauji.in/investing-in-debt-through-mutual-funds/) - What does debt investing mean? I understand ‘debt’ to be money borrowed. But I want to invest! When you lend your money to a bank (by putting your money into your savings bank account or making a bank deposit) or to a company (by investing in a company deposit) or to the government (by investing
- [Debt mutual funds in India can be broadly categorized based on their investment objectives, maturity profiles, and underlying securities. Here are some common categories of debt mutual funds](https://humfauji.in/types-of-debt-mutual-funds/) - Debt funds invest exclusively in fixed-income instruments securities like bonds, debentures, Government securities, and money market instruments such as certificates of deposit (CD), commercial paper (CP), and call money. Here are the different types of debt funds in India: Government Securities (G-Sec) Funds: Invest in government-issued securities such as treasury bills and bonds. These funds
- [What returns to expect from Debt Mutual Funds](https://humfauji.in/what-returns-to-expect-from-debt-mutual-funds/) - Last of our knowledge series on Debt Mutual Funds below gives out what can you expect from Debt MFs. As you will see, compared to other fixed income products like bank FDs, Post Office schemes, Senior Citizen Savings Scheme etc, Debt MFs are poised to give better returns, are much more tax-efficient, and have much
- [Popular myths of Mutual Fund Investing](https://humfauji.in/popular-myths-of-mutual-fund-investing/) - Dear Friend, Attached herewith is my article published in Times of India (National Edition, 17 Feb 2015, Tuesday) on various myths that surround investing in mutual funds. A large number of people miss out on this excellent investing avenue due to misconceptions which are contrary to ground realities. Mutual Funds, as an investment are tax-efficient, versatile
- [Are you still investing in Bank FDs?](https://humfauji.in/are-you-still-investing-in-bank-fds/) - If you are like most Indian investors, you would have a large part of your money invested in bank FDs. This is due to the Indian penchant for investing in safe instruments with high liquidity even at the cost of high taxation. In fact, I have often come across a large number of investors who
- [Is return from Real Estate really that high](https://humfauji.in/is-return-from-real-estate-really-that-high/) - Over the last ten years, real estate in India has given good returns. Enticed with the idea of owning a house and seeing their assets rapidly appreciate in value, countless Indians have invested a large part of their savings in real estate. Many cities and suburbs have seen a veritable real estate boom in the
- [Should you Pre Pay your Home Loan](https://humfauji.in/should-you-pre-pay-your-home-loan/) - 22 Apr, 2014 by Dwaipayan Bose | Home Loan 18 Downloaded India has been in the grip of a very high interest rate regime over the past few years. Home owners have seen a larger and larger portion of their equated monthly instalments (EMIs) going into interest payments every month. With the recent increase
- [Importance of Asset Allocation](https://humfauji.in/importance-of-asset-allocation/) - Introduction: When it comes to achieving long-term financial success, asset allocation plays a crucial role. The concept of asset allocation entails a deliberate and tactical allocation of investments among diverse asset classes, encompassing stocks, bonds, real estate, and cash equivalents. This approach aims to balance risk and reward, optimize returns, and protect against market volatility.
- [Three Smart ways to Invest in Gold this Akshaya Tritiya Week](https://humfauji.in/three-smart-ways-to-invest-in-gold-this-akshaya-tritiya-week/) - Indians have always considered Gold as a safer option to invest vis-a-vis other investment opportunities like equities, fixed income, real estate etc. Gold’s ability to act as a hedge in times of financial emergencies is one of the main reasons for the yellow metal to find a favour with Indians. Gold is also believed to
- [Overcome your financial fears](https://humfauji.in/overcome-your-financial-fears/) - Secret #10 Making Friends With Your Financial Fears - By Mark Ford “I've wanted to buy rental real estate since graduating from high school more than 13 years ago, but fear has prevented me from doing it all of these years. And at times I've wanted to start a business, too, but fear got in
- [Verdict 2014: The Way Forward For Investors](https://humfauji.in/verdict-2014-the-way-forward-for-investors/) - Hardly 24 hours remain for the world to know who is going to occupy 7, Race Course Road, the official residence of the Prime Minister of India. All of us are waiting with bated breath to know if Narendra Modi as predicted by the exit polls will win the elections or will the Indian electorate
- [Post Election Result analysis](https://humfauji.in/post-election-result-analysis/) - Lotus has Bloomed!! Will you again get late to catch the bus? The Indian equity markets welcomed the change in Government at the centre as they cheered and went over 1,000 points (or +4.0%) in early hours of Friday’s trade on 16 May 2014 when result announcement was in progress. However, since the outcome of
- [Common Equity Investing Mistakes](https://humfauji.in/common-equity-investing-mistakes/) - With the new NDA government coming to power, many investment experts believe that India is on the threshold of a long term secular bull market. While it is certainly easier to make money in bull markets, it is also easy to make mistakes in bull markets. Mistakes cost investors money and therefore must be avoided.
- [Common Investment Mistakes and How to Avoid Them](https://humfauji.in/5-common-investing-mistakes/) - Investing is an essential aspect of financial planning and wealth-building. However, many individuals fall prey to common investment mistakes that can hinder their long-term financial success. As a financial advisor, it is crucial to educate clients about these pitfalls and guide them toward making informed investment decisions. Here are some common investment mistakes and strategies
- [Myths about Retirement](https://humfauji.in/5-retirement-myths/) - Retirement is a significant life milestone that requires careful planning and consideration. Unfortunately, there are several myths and misconceptions surrounding retirement that can hinder individuals from making informed decisions. Here are some common myths about retirement: 1. Retirement means the end of work: Many people believe that retirement signifies the end of work and productivity.
- [RIA Certification](https://humfauji.in/ria-certification/) - Dear Friends, It is my pleasure to inform you that I have been registered as an Investment Adviser by the Securities & Exchange Board of India (SEBI). This is a very prestigious and elite certification which is granted only once an IFA meets the stringent ethical, knowledge and experience criterion laid down by SEBI. So
- [The benefits of having a financial planner](https://humfauji.in/the-benefits-of-having-a-financial-planner/) - In a country where event managers are paid for organising weddings and nutritionists are paid for making diet plans, financial advisors struggle to make a case for earning a fee. Only a small segment has managed to break through the resistance. Investors continue to save, invest, and borrow without any framework or process in place
- [Stopping of SIPs](https://humfauji.in/stopping-of-sips/) - It is a common phenomenon that most of the investors tend to stop their SIPs in mutual funds (and maybe even redeem all the units of some or all of their funds) when markets are on the highs out of fear that they are accumulating units at a high rate and markets can go down
- [Don't get Swayed by Euphoria](https://humfauji.in/dont-get-swayed-by-euphoria/) - Market movements should not determine the components of your portfolio. Stay focussed. Stay grounded. It is an irony of sorts. Business Standard reported that equity mutual funds attracted inflows of little over Rs 10,000 crore in May 2014. During the same period, investors sold units worth Rs 8,200 crore, translating into net inflows of just
- [How Will Personal Financial Planning Help You](https://humfauji.in/how-will-personal-financial-planning-help-you/) - Many investors think that a big deal is made out of personal financial planning. They say that, if you save regularly and invest wisely, then you will be able to meet most of your goals. However, investors without a well structured financial plan may end falling short of their financial goals. At different stages of
- [Retirement Corpus Investing TOI](https://humfauji.in/retirement-corpus-investing-toi/) - My article in Times of India today (01 July 2014) on Retirement Investing Please find attached below my article in the Times of India of today (01 July 2014 – financial planning page). It is regarding how most of the retired or retiring people invest their retirement corpus considering ‘safety of capital’ as the
- [Indian Investors are Good at Making Foreigners Richer](https://humfauji.in/indian-investors-are-good-at-making-foreigners-richer/) - We all know the popular adage about putting one’s money where the mouth is. My experience of talking to investors and advisors in the last 6 months has taught me that we also need to put our money where our vote is!!! And by vote I don’t mean your or my individual vote – we
- [Salient aspects of the Union Budget FY 2014](https://humfauji.in/salient-aspects-of-the-union-budget-fy-2014/) - Salient aspects of the Union Budget FY 2014-15, as applicable generally to us as individuals, are given below for your quick reading please:- Income tax exemption limit raised from Rs 2 lakhs at present to Rs 2.5 lakhs Income Tax rates: Budget ‘14-15 Income upto Rs 2.5 lakh Nil Rs 2.5 lakh to Rs 5 lakh
- [How Do Tax Proposals in Budget-2014 affect Debt Fund and FMP Investors?](https://humfauji.in/how-do-tax-proposals-in-budget-2014-affect-debt-fund-and-fmp-investors/) - The budget presented by the new Govt has created some confusion in the minds of the investors about debt funds and FMPs. The same are clarified below. Primarily, the only change that has taken place is that the indexation benefits on debt funds will now be applicable after 3 years instead of 1 year and
- [Financial planning for people in their 70s and 80s](https://humfauji.in/financial-planning-for-people-in-their-70s-and-80s/) - Financial Planning in the 70s and 80s is much more than merely managing your money, though money supply does remain a major requirement for most of the Indians. Issues like estate planning, withdrawal strategy from the accumulated corpus, medical management, getting the asset allocation right and catering for emergencies may become more important now than
- [Retire to live comfortably](https://humfauji.in/retire-to-live-comfortably/) - Government guaranteed pension, inflation-beating returns from safe investment schemes, low rate of inflation and the comfort of a joint family - all these four pillars on which retirement planning rested earlier, have disappeared. Recently retired or tomorrow’s retirees will need to balance high expenses with uncertain returns on their invested capital, longer lifespan with ever
- [Retirement Planning Eggs in a Basket](https://humfauji.in/retirement-planning-eggs-in-a-basket/) - One of the most common mistakes done by most of the retired or recently retired persons is to put majority of their money in same or similar investment avenues, like bank FDs, real-estate, Gold, Post Office instruments, etc. All eggs in one basket is never a good mantra to follow whether it is physical eggs
- [My Article Voted Best](https://humfauji.in/my-article-voted-best/) - My Article Voted ‘One of the Best of Past One Year’ in Times of India of today (12 Aug 2014) Please find below my article titled ‘Don’t Get Lured by Short Term Gains’ published today (12 Aug 2014) in Times of India (All India Edition). The article was first published on 15 April 2014
- [MFs your Financial Supermarket](https://humfauji.in/mfs-your-financial-supermarket/) - There are a lot of misapprehensions in the minds of most of the people about Mutual Funds. Despite the fact that they are one of the best financial avenues to invest and save while giving a lot of flexibility and convenience to the investor, they have not been able to capture the investing space of
- [MUTUAL FUNDS CAN BE YOUR FINANCIAL SUPERMARKET](https://humfauji.in/mutual-funds-can-be-your-financial-supermarket/) - For some unknown reasons, investing in mutual funds in India is almost always taken to be equity investing. This is despite the fact that out of a total of approximately Rs 11 Lakh Crores invested in mutual funds today, 70% is invested in Debt Funds, ie the funds which do not invest in equity markets
- [TOI Debt Funds](https://humfauji.in/toi-debt-funds/) - Dear Friend, Attached herewith is my article in Times of India (National Edition, 16 Dec 2014, Tuesday) on merits of investing in debt funds at this juncture. With the interest rates poised to move southwards, debt funds are likely to give high returns in the next 2-3 years while being safe, tax-efficient and very liquid.
- [Insurance is Not Investment](https://humfauji.in/insurance-not-investment/) - Insurance is a key part of every individual’s financial planning but far too many people are thinking of it as an investment... 'I invested Rs2 lakh last year, out of which Rs 80,000 was in insurance.' The genesis of the article you are reading was this one single sentence in an e-mail that was sent to Value
- [You Can Do It – Take Care](https://humfauji.in/can-take-care/) - As a financial planning company dealing primarily with armed forces offices and their relatives, we often come across officers’ wives who have lost their brave husbands in battle and conflict zones, or otherwise. The ladiesare at a severe loss on how to pick up the threads of life, after having overcome the initial shock and
- [Does real estate score over equity?](https://humfauji.in/does-real-estate-score-over-equity/) - “I made huge money in real estate, but not in equities.” You may well be one of those who will agree with this statement. And it may be true. But have you ever wondered why you were not able to replicate the same with your equity investments? Both asset classes, after all, are known to
- [Can Your Bank FD or PF/DSOPF match this?](https://humfauji.in/can-bank-fd-pfdsopf-match/) - We are generally comfortable investing our money in bank FDs, PF/EPF/DSOPF and other fixed income instruments, always smug in the belief that our money is safe and will grow up adequately to meet our aspirations regarding self, spouse and children. However, we neglect the combined damaging effects of Inflation & Taxation from our calculations. If
- [Failing to Plan is Planning to Fail](https://humfauji.in/failing-to-plan-is-planning-to-fail/) - To say that we should plan our finances well is just to state the obvious. However, in spite of this knowledge, most of us do not put in the small amount of effort required to plan for the financial future of self and our families – how many people do you know who have bought
- [Best tax saving investment for young investors, like for your earning child](https://humfauji.in/best-tax-saving-investment-for-young-investors-like-for-your-earning-child/) - When it comes to investments made for the purpose of tax savings under Section 80C of Income Tax Act, Public Provident Fund (PPF), Life Insurance premiums and Equity Linked Savings Schemes (ELSS), which are basically Equity Mutual Fund, are among the most popular choices, especially for young investors. However, as far as wealth creation is concerned, there
- [Gift to a loved one? How about a Mutual Fund SIP?](https://humfauji.in/gift-to-a-loved-one-how-about-a-mutual-fund-sip/) - Divesh Kumar has recently retired as a contended man. He hasfulfilled his duties as a devoted father, caring son and loving husband all his life. He now wants to gift something long lasting for his two lovely grandchildren which he and his wife fondly dote on. They both decided to contribute for higher studies for
- [Public endorsement for us in national media](https://humfauji.in/public-endorsement-for-us-in-national-media/) - Very few financial planning companies in the country may get such a proud moment in their life time Dear Friends, We like to believe that our company, Hum Fauji Initiatives, is not merely an initiative in the financial field but also a social initiative. While business goes on as usual, we try very hard to
- [Great times to increase your market exposure](https://humfauji.in/great-times-to-increase-your-market-exposure/) - Stock Markets have been unrelenting for the past one year and, it has only intensified in Jan 2016. Most of the retail investors have not understood the reason why it is so – Acche Din to Aane Wale The! They’re told that China is slowing down, so the world is slowing down. But the US
- [So you feel the financial world is ending](https://humfauji.in/so-you-feel-the-financial-world-is-ending/) - Prophesising about doomsday is a serious and regular business. Various prophets of doom have forecast the end of the world many a times. For a list of past and future prophesies you can go to the link: https://en.wikipedia.org/wiki/List_of_dates_predicted_for_apocalyptic_events. It does not matter to the prophets of doom or to their followers that all the past
- [Should you go in for NPS (National Pension Scheme)  due to additional tax saving?](https://humfauji.in/should-you-go-in-for-nps-national-pension-scheme-due-to-additional-tax-saving/) - Lately, NPS has become a buzz word amongst investor’s community, including in the fauji circles. The reasons are not far to seek:- Tax season is upon us. You’ve heard that NPS gets you an additional Rs 50,000 of tax saving under Section 80 CCD(1). Then why not? PFRDA (Pension Fund Regulatory and Development Authority) is
- [Inputs for articles](https://humfauji.in/inputs-for-articles/) - 1) The first is on the 7th Pay Commission/OROP. According to reports, the government is considering asking government employees to put some money that they will get from the 7th Pay commission's award into a fund to recapitalise PSU banks. Our story would be on what financial planners think about using the money received by
- [Add health to Wealth](https://humfauji.in/add-health-to-wealth/) - Dear Friends, Resolutions are traditionally made at the beginning of a calendar year. Can you make resolutions to improve your financial health in the year? The article series started in Financial Express from today onwards deals with this subject. It kicks off with my views on how to add health to your wealth NOW. The
- [Liquid Funds- 4% more Interest without you doing anything….](https://humfauji.in/liquid-funds-4-more-interest/) - Col Sher Khan is a go-getter infantry officer, known for his professional acumen and is a sought-after party animal. He and his family live life to the full. His only Achilles Heel is finance. He routinely has a large amount – anything from Rs 75,000 to even 2-3 Lakhs lying in his savings bank account
- [Inputs on 7th CPC Questionnaire](https://humfauji.in/inputs-on-7th-cpc-questionnaire/) - 1) What are 5 things you advice government officials should do with increased pay and arrears once the pay hikes come? The 7th Pay Commission money will come to the Government officials in two forms– approximately seven months’ pay arrears and the monthly increased money. Unlike the earlier pay commissions which took a long time
- [7th Pay Commission payout soon; best tax-saving investment options for you](https://humfauji.in/7th-pay-commission-payout-soon-best-tax-saving-investment-options-for-you/) - 7th Pay Commission payout: You will have nearly eight months till March 31, 2017 to make your investment for tax-saving purposes but it is always good to start investing early. By: Sarbajeet K Sen | Published: July 6, 2016 12:33 PM The 7th Pay Commission payout is all set to begin with central government employees to
- [Decomplicate your life](https://humfauji.in/decomplicate-life/) - There's too much of financial 'wisdom' being branded about. Too many words telling you too less. Don't get overwhelmed with it - here's the gist of it. Financial planning is simple. One sincere Sunday sitting with your wife and you can pretty much simplify and sort a lot of your financial issues. Generally you can't
- [Are Sovereign Gold Bonds (SGBs) right for you?](https://humfauji.in/are-sovereign-gold-bonds-sgbs-right-for-you/) - Here comes the season of festivals, of giving and taking gifts. And one fine morning amidst these festivities, you decide to gift your wife a large sum of One Lakh Rupees. Without a second thought, your wife decides to buy a nice gold jewellery piece and showcase it to you that very evening along with
- [Black Magic and Trump – Can you gain from it?](https://humfauji.in/black-magic-and-trump/) - The ‘Black Money’ eradication ‘magic’ by the Modi Govt and trumping of US electorate by Donald Trump – both economy changing events took place less than 24 hours apart. While there is enough going around on whatsapp, facebook, SMSs and emails to explain what has happened, credible analysis to give you a financial take on
- [CASE STUDY AIR FORCE GIRLS](https://humfauji.in/air-force/) - Till that fateful day a few years back, Sachdevas’ (names changed) was an armed forces family, like any other, leading a happy and contended life in Delhi. Group Captain Sunil Sachdeva was doing well in his career and had been selected to undergo a prestigious training at Hyderabad. Aruna had a satisfying job as a
- [How Budget 2017 affects you](https://humfauji.in/budget-2017-affects/) - By Vandna Negi, Financial Planner, Hum Fauji Initiatives Whenthe global economy is going through a slowdown, India is striving to strengthen its socio-politico-economic fundamentals. Amidst various economic crisis across the world, India took a valiant decision of demonetising its high value notes which led to a temporary slowdown in GDP growth withjob loses, decline in
- [Budget 2017 Detailed Analysis](https://humfauji.in/budget-2017/) - When the global economy is going through a slowdown, India is striving to strengthen its socio-politico-economic fundamentals. Amidst various economic crisis across the world, India took a valiant decision of demonetizing its high value notes which led to a temporary slowdown in GDP growth with job loses, decline in farm incomes, and social disruption especially
- [SAVINGS, INVESTMENTS AND INSURANCE](https://humfauji.in/savings-investments-and-insurance/) - Does the title surprise you? Then it’s mainly because you have been using these three terms interchangeably, without knowing the actual difference between them. Hopefully, at the end of this article, you’ll realise how different these three animals are from each other. To start with, let’s look at the following scenarios. Scenario 1: Nitesh is
- [TO COMMUTE OR NOT TO COMMUTE PENSION](https://humfauji.in/to-commute-or-not-to-commute-pension/) - Whenever any retiring officer approaches us for advice, invariably the question of whether or not to commute the pension comes up. This article deals with this issue so that all officers, retired or retiring, would be able to make up their mind more knowledgeably. Before we take a call on the same, a few connected
- [LET YOUR SIPS ROLL, COME WHAT MAY](https://humfauji.in/let-your-sips-roll-come-what-may/) - The markets have been choppy lately for past four months and are reflecting the drunken movements of a ship in turbulent waters. As always happens in similar times, we have started fielding the familiar questions from worried customers – Is the India story dead? ; Should we get out of the mutual funds now? ;
- [Where are your 6th Pay Commission arrears?](https://humfauji.in/where-are-your-6th-pay-commission-arrears/) - The bonanza 1st Jan 2006 was a magic year for Govt servants round the country. The 6th pay commission was operational from that day and had started working on the 10 Year ritual. It did take some time to give its final recommendations, but it was touted as one of the best pay commissions that Govt servants in India had seen. People got a good increase in pay and allowances, hefty arrears and there was rejoice all around.
- [Are you ready for ITR Filing?](https://humfauji.in/are-you-ready-for-itr-filing/) - We’re ready to file your Income Tax Returns (ITR) for the Financial Year (FY) 2016-17 [that is, Assessment Year (AY) 2017-18]. You may not have received your Form 16 so far from your employer, but you can send us all the other details – we’ll get everything ready for you since the Govt has introduced
- [Home Loan Changes in Budget 2017](https://humfauji.in/home-loan-changes-budget-2017/) - Among the many changes proposed by Finance Minister ArunJaitley in his Budget 2017-18 speech, the change which affects majority of us is the change in the benefit of home loan. As per current tax laws applicable up to FY 2016-17, for house properties rented out, a borrower could deduct the entire interest paid on home loan after adjusting for
- [Strategies for Managing a Fast Growing Company](https://humfauji.in/strategies-managing-fast-growing-company/) - Satya Nadella, CEO of Microsoft once said that, “Longevity in the business is about being able to reinvent yourself or invent the future.”If you've been part of a start-up that has experienced rapid growth, then you'll understand how important it is to constantly improvise and build systems that measure qualitative factors such as customer satisfaction,
- [Are you helping your Earning Child manage the money Wisely?](https://humfauji.in/are-you-helping-your-earning-child/) - There is no doubt that accumulation of substantial wealth generally occurs only over a sustained period of time. The best way to do it is the slow and steady manner in which your earning child needs to go the disciplined way and accumulate the drops that will make the mighty ocean. All this is, however,
- [How to find the right person for your organisation](https://humfauji.in/right-person-organisation/) - Like most job responsibilities, hunting for the right kind of talent for your organisation can be overwhelming as well as baffling. To fill your cubicles with people who will contribute their best to the organisation is something you cannot predict beforehand. But all you can do is take rounds of interviews to test and re-test
- [How you can nurture a culture of wellness](https://humfauji.in/can-nurture-culture-wellness/) - The culture or the environment of an organisation has a significant impact on employees' productivity, and likewise, employees' productivity has a great impact on the growth of the organisation. Organisations these days are increasingly realizing that their actions in the workplace can positively affect the health and well-being of their employees, and so they are
- [Is subscribing to NPS (National Pension Scheme) only for tax saving a smart move?](https://humfauji.in/nps-national-pension-scheme/) - Do you buy a car only because it has nice headlights? Why don’t you buy a house only because there’s a mango tree in front of it? Why not marry a girl only because she bought your favourite brand of chips from a store? Outrageous, right? You don’t do any of these. Then why do
- [Your Home Loan may not be so beneficial now!](https://humfauji.in/your-home-loan-may-not-be-so-beneficial-now/) - New Income Tax Rules On Home Loan Benefits from April 1, 2017 Among the many changes proposed by Finance Minister ArunJaitley in his Budget 2017-18 speech, the change which affects majority of us is the change in the benefit of home loan. As per current tax laws applicable up to FY 2016-17, for house properties rented out, a borrower
- [How To Build An Effective Expansion Team](https://humfauji.in/building-an-effective-expansion-team-requires-careful-planning-and-execution-here-are-some-steps-you-can-follow/) - Here are some steps you can follow: Define your goals: Clearly articulate the goals and objectives of your expansion team. Identify what you want to achieve through the expansion and how the team will contribute to those goals. Assess resource needs: Determine the resources, both human and financial, required for the expansion team. Consider the
- [Kitna Mileage deti hai?](https://humfauji.in/kitna-mileage-detihai/) - Sir, I’ve told him that he has a 80% Debt and 20% Equity portfolio where safety has been given more importance as this is his retirement corpus, but he insists that he won’t accept anything less than 15% annualized returns since the markets are now booming!” -I could make out my hapless young financial planner
- [Is this Diamond worth your money?](https://humfauji.in/diamond-worth-money/) - Life Insurance Corporation of India (LIC) is aggressively marketing its insurance policy, LIC Bima Diamond Plan, as a ‘Diamond for Life’. Let’s see if this ‘Diamond’ is worth your money? LIC Bima Diamond Plan is a typical non-linked, with-profit, limited premium payment money-back life insurance plan. Non-linked means it is not ULIP or your money will not be
- [Additional Commutation of Pension](https://humfauji.in/commutation-of-pension/) - Dear Friends, I had written a series of two articles some time back comparing Commutation of pension Vs Non-Commutation, and recommended that everybody should commute pension due to the reasons outlined there. Now, for the officers who have retired on or after 1st Jan 2016, the Govt has given an option to further commute the
- [What's in it for you in 2018?](https://humfauji.in/budget-2018/) - Finance Minister Arun Jaitley presented the Union Budget 2018 yesterday, a month ahead of the usual date, in the backdrop of a strong stock market rally in 2017, high equity valuations, rising crude oil prices, dropping bond prices and an expanding current account deficit. As expected, the Budget has a populist stance, given the upcoming
- [Invest in SIPs and take control of your Finances](https://humfauji.in/mutual-funds-investment-benefits/) - Albert Einstein is supposed to have remarked: *Compounding is the 8th wonder of the world - one who understands it, earns it; one who doesn’t understand it, pays it!!* Compounding as a benefit of Mutual Fund is been a very talked about subject. But as a layman not many know how does it work. Compounding
- [What's happening in residential real estate and Why? An Insights](https://humfauji.in/whats-happening-in-residential-real-estate-and-why-an-insights/) - ‘See Sanjeev, I have the money since I’m recently retired, property is actually very cheap now and I don’t have too many liabilities. Then why the fxxx are you not letting me buy a good property?’ ‘But Sir, why real estate of all the things!’ ‘Everybody knows that property only goes up, you get good
- [Financial Planning for your earning child?](https://humfauji.in/financial-planning-for-your-earning-child/) - ‘I hope my son doesn’t manage his money like I did when I was his age!’‘ Don’t think my daughter knows that there’s life beyond 20s too…she at least spends so and has saved maybe Rs 10,000 in the past four years that she’s been working.’ ‘I’ve given up Sanjeev. My kids have categorically told
- [Are you being over-charged by Financial Advisors like Us?](https://humfauji.in/are-you-being-over-charged-by-financial-advisors-like-us/) - There have recently been many advertisements promoting ‘direct’ plans of mutual funds, giving out your ‘losses’ if you invest in regular plans of mutual funds as opposed to direct plans. Some officers have discussed it with us since they’re confused as to what is the truth. We would like to clarify the air about it.
- [Writing of Will and A sample format by Hum Fauji Initiatives](https://humfauji.in/writing-of-will-and-a-sample-format-by-hum-fauji-initiatives/) - We have amended the format of Will which we had been sending to you and to our Financial Planning clients. We have made it in a word format so that you can edit it as you deem fit to suit your requirements. Also, we neither have, nor intend to have a copyright to this format
- [IL&FS – What is the problem](https://humfauji.in/il-fs/) - What happened? IL&FS Group, a vast conglomerate that funds infrastructure projects across the world’s fastest-growing major economy ,ie, India, sent waves through Indian credit markets when it began missing debt repayments. What is IL&FS? Infrastructure Leasing & Financial Services Ltd (IL&FS) is a more than 30 years old conglomerate. The company has been a pioneer
- [Want higher rate of interest without compromising on safety?](https://humfauji.in/want-higher-rate-of-interest-without-compromising-on-safety/) - When it comes to safe investments, most Armed forces officers don’t look past DSOPF (if serving), PPF or bank FDs. They derive comfort from the fact that these are extremely safe fixed income investments. However, these avenues have many shortcomings – DSOPF has a low return, PPF has a low return combined with the restrictions
- [Do these financial googlies also worry you as an Armed Forces Officer?-1](https://humfauji.in/do-these-financial-googlies-also-worry-you-as-an-armed-forces-officer-1/) - Q&A at talks on Financial Management given by CEO, Hum Fauji Initiatives, to Higher Command Course at Mhow and Armed Forces Program Officers at IIM, Indore on 9 th Jan 2019 Our CEO, Col Sanjeev Govila (retd), had been invited to give a talk on ‘Personal Financial Management for Indian Army Officers’ to the students
- [Do these financial googlies also worry you as an Armed Forces Officer?-2](https://humfauji.in/do-these-financial-googlies-also-worry-you-as-an-armed-forces-officer-2/) - Q&A at talks on Financial Management given by CEO, Hum Fauji Initiatives, to Higher Command Course at Mhow and Armed Forces Program Officers at IIM, Indore on 9thJan 2019 Our CEO, Col Sanjeev Govila (retd), had been invited to give a talk on ‘Personal Financial Management for Indian Army Officers’ to the students of Higher
- [Do these financial googlies worry you too as an Armed Forces Officer?-3](https://humfauji.in/do-these-financial-googlies-worry-you-too-as-an-armed-forces-officer-3/) - Q&A at talks on Financial Management given by CEO, Hum Fauji Initiatives, to Higher Command Course at Mhow and Armed Forces Program Officers at IIM, Indore on 9th Jan 2019 Our CEO, Col Sanjeev Govila (retd), had been invited to give a talk on ‘Personal Financial Management for Indian Army Officers’ to the students of
- [Do these financial googlies worry you too as an Armed Forces Officer?-4](https://humfauji.in/do-these-financial-googlies-worry-you-too-as-an-armed-forces-officer-4/) - Q&A at talks on Financial Management given by CEO, Hum Fauji Initiatives, to Higher Command Course at Mhow and Armed Forces Program Officers at IIM, Indore on 9th Jan 2019 Our CEO, Col Sanjeev Govila (retd), had been invited to give a talk on ‘Personal Financial Management for Indian Army Officers’ to the students of
- [Trade your bank FDs for these Non-Convertible Debentures (NCDs) from a L&T Company](https://humfauji.in/trade-your-bank-fds-for-these-non-convertible-debentures-ncds-from-a-lt-company/) - Dear Sir/Madam, L&T Finance Limited (L&TFL), an L&T (Larsen & Toubro) group company, is coming out with an offer of Secured Redeemable Non-Convertible Debenture (NCDs) Public issue offering very attractive rates of interest rates in the range of 8.89% - 9.35%. Who is it meant for? They are meant as a superior, higher interest bearing alternative
- [PMS - What is it?](https://humfauji.in/pms-what-is-it/) - Portfolio Management Service (PMS), as offered by a large number of PMS companies, has a very concentrated portfolio consisting of about 20 high-conviction stocks (shares) managed in a very ‘hands-on’ manner by a professional portfolio manager. PMS surged in popularity last year after generating outstanding returns, much over the market indices and even most of
- [My equity investments are in losses, what should I do?](https://humfauji.in/my-equity-investments-are-in-losses-what-should-i-do/) - When the markets are going down, the value of people’s market related investments like stocks, equity mutual funds and ULIPs also go down. This has probably been the case for most investors who started investing within the last 2 years and now see their investments in the red after the markets started their downturn sometime
- [Budget 2020 : Does It Change Anything in Your Life?](https://humfauji.in/budget-2020-does-it-change-anything-in-your-life/) - This year’s budget quite confused the financial gurus, media and even the stock markets; stock markets didn’t know how to react – plunged on the day of the budget, went sideways the next working day and then up from there. Let us see how the relevant provisions of the budget affect or don’t affect you.
- [Are you confusing Tax Planning with Financial Planning?](https://humfauji.in/are-you-confusing-tax-planning-with-financial-planning/) - Discover the key differences between tax planning and financial planning. Learn how to align your financial goals for a secure future. Watch the insights now!
- [Stock Advisory Services](https://humfauji.in/stock-advisory-services/) - Discover tailored stock advisory services by Sandip Sabharwal. Seize your investment opportunity with expert guidance and personalized portfolios today!
- [Sometimes changing your behavior is more profitable than churning the portfolio!](https://humfauji.in/change-yourself-not-your-portfolio/) - With India's GDP forecasted to drop, discover how to protect your investments and navigate market uncertainty. Stay calm and informed with effective strategies!
- [Investor Updates from Hum Fauji Initiatives Bulletin Team](https://humfauji.in/investor-updates-from-hum-fauji-initiatives-bulletin-team/) - Targeted long term repo operations: RBI is said to be taking steps to make the TLTRO more effective and infuse liquidity in the economy, RBI told banks to borrow and invest at least half of money in money market instruments issued by small and medium sized NBFC and MFIs, in response to liquidity crises occured
- [Requirement of Advisor in times of crisis.](https://humfauji.in/requirement-of-advisor-in-times-of-crisis/) - Discover why a financial planner is essential during economic uncertainty. Get expert advice to navigate volatile markets and secure your financial future.
- [INVESTOR UPDATES FROM HUM FAUJI INITIATIVES BULLETIN TEAM - JUNE 2020](https://humfauji.in/investor-updates-june-2020/) - Silver prices are up about 25% in a month, Silver has strongly outperformed gold over the past month. Silver rates have been lifted on optimism that industrial demand of the metal may revive as countries reopen their economies. Silver rates surged in Indian markets today, extending their recent gains. LIC may cut back on investing
- [Diversification is as Important in Savings as in your Investments](https://humfauji.in/diversification-is-as-important-in-savings-as-in-your-investments/) - Learn why diversifying savings across multiple banks is crucial. Protect your finances from risks like bank failures. Start diversifying wisely today.
- [What a boon it is to be completely debt-free!](https://humfauji.in/what-a-boon-it-is-to-be-completely-debt-free/) - Explore how being debt-free enhances your financial freedom, reduces stress, and improves your credit score. Unlock a brighter financial future!
- [Luxury Residential Project on Dwarka X-Way ONLY for Faujis – by Hum Fauji Initiatives](https://humfauji.in/luxury-residential-project-on-dwarka-x-way/) - What do you look for in your own House? Great Location Great amenities Top-quality Construction Great Prices Own Community Keeping this clearly in mind, we bring you a residential complex which is:- Location: On Dwarka X-Way – In Gurgaon Sectors 110A – 113, sectors closest to Delhi. Amenities: With luxury specifications and top-of-the-line amenities –
- [A wake-up call to analyse your insurance needs](https://humfauji.in/wake-up-call-to-analyse-your-insurance-needs/) - The pandemic highlights the importance of financial preparedness. Discover how to analyze your insurance needs and protect your family's future.
- [With Gold shining more than ever before, should you invest now?](https://humfauji.in/with-gold-shining-more-than-ever-before-should-you-invest-now/) - Discover if now is the right time to invest in gold. Get expert advice on buying, selling, and understanding gold's market trends.
- [This is the call to take in Stock Markets now](https://humfauji.in/this-is-the-call-to-take-in-stock-markets-now/) - Explore critical investment strategies amidst market volatility. Discover when to stay invested or seek safety in debt funds as opportunities arise.
- [Tax Saving be done early in the year](https://humfauji.in/tax-saving-be-done-early-in-the-year/) - Learn why early tax-saving investments matter. Avoid pitfalls like choosing the wrong products or over-investing. Start planning now for financial success.
- [Why is investment in equity mutual funds better than in direct equity?](https://humfauji.in/investment-in-equity-mutual-funds-better-than-in-direct-equity/) - Discover why investing in equity mutual funds is smarter than direct equity. Learn how funds diversify risks and capitalize on sector expertise for optimal returns.
- [This Article will surprise all those seeking tax-efficient Regular Income!!](https://humfauji.in/seeking-tax-efficient-regular-income/) - Explore surprising methods for tax-efficient regular income through SWPs in mutual funds. Maximize returns while minimizing tax liabilities effectively!
- [Should you buy Gold this Dhanteras?](https://humfauji.in/should-you-buy-gold-this-dhanteras/) - There is some sense in relief in the air. Some of the high-frequency economic indicators are showing economic recovery. The number of daily Covid-19 cases in India have been falling for the past few days. Maybe this is a good beginning to the festive season? Navratri has started, next is Diwali. Well, some of our
- [A Chit-chat on safety shield for your loved ones](https://humfauji.in/a-chit-chat-on-safety-shield-for-your-loved-ones/) - Learn how to protect your family with smart insurance choices. Discover term plans and avoid common pitfalls in financial planning for armed forces members.
- [A Good Safety-Umbrella... the least you can do for your loved ones!!](https://humfauji.in/life-insurance-a-good-safety-umbrella/) - Discover how to protect your family's dreams with proper insurance and financial planning. Ensure your loved ones are covered in case of unforeseen events.
- [Should you buy Corona-specific insurance policies?](https://humfauji.in/should-you-buy-corona-specific-insurance-policies/) - The year 2020 has been overshadowed by the Coronavirus pandemic. While there can be some things about the handling of the entire situation by the government that you can be dissatisfied about, there are some other things that are praiseworthy. One such measure has been introducing Covid-19 specific health insurance policies by the Insurance Regulatory
- [Think Before You Leap On To The NPS Bandwagon](https://humfauji.in/think-before-you-leap-on-to-the-nps-bandwagon/) - It is tax filing season again and the usual questions have started coming up to us. The most common, as you might have guessed it, is how to reduce tax outgo? It becomes all the more bothering to those who do not have a home loan to offset some taxes. The easiest and most efficient
- [With new year in sight, time to revisit your financial plans](https://humfauji.in/with-new-year-in-sight-time-to-revisit-your-financial-plans/) - Get ready for 2021 with our essential financial planning checklist. Ensure adequate insurance, smart investments, and updated documentation for peace of mind.
- [Chapter: 1 | Bridge Over Troubled Waters - Basics of Investing](https://humfauji.in/chapter-1-bridge-over-troubled-waters-basics-of-investing/) - It was undoubtedly a great round of golf today. Though getting up that early on a winter morning to get a good 4-ball slot was really not the best way to start a day, but the satisfaction of having played all the 18 holes today and that too with good scores (without any ‘pinching’ truthfully!)
- [Chapter: 2 | Sultans of Swing – How to Invest Well](https://humfauji.in/sultans-of-swing-chapter-2-sultans-of-swing-how-to-invest-wellhow-to-invest-well/) - The previous day’s discussions had been lingering-on in the minds of AK and Rajesh so much that even the name of their small WhatsApp group got changed from ‘Golf Buddies’ to ‘Golf & Retirement’ by Rajesh late at night! Next morning, all three of them joked about how just one discussion turned them into serious
- [Chapter: 3 | Born to Run - Asset Allocation](https://humfauji.in/chapter-3-born-to-run-asset-allocation/) - The first two days of the ‘masterclass’ delivered by Pranav had stumped AK and Rajesh. AK was greeted with a ‘I told you so,’ when he relayed to his wife what Pranav said about real estate investments. Rajesh was careful to not divulge the details of the discussions at home, yet! The shortage of time
- [Chapter: 4 | Winner takes it All – Why pragmatic Financial planning is your Trump card?](https://humfauji.in/chapter-4-winner-takes-it-all-why-pragmatic-financial-planning-is-your-trump-card/) - Yesterday, Pranav had asked his buddies to note down details of all of their investments, assets and liabilities at one place and bring it along. The ‘homework’ set by Pranav for AK and Rajesh seemed easy to both of them. Pranav also dropped a reminder text in the WhatsApp group that night. The next morning,
- [Chapter: 5 | Riders on the Storm - Insurance to cover Vulnerabilities](https://humfauji.in/chapter-5-riders-on-the-storm-insurance-to-cover-vulnerabilities/) - The concept of emergency fund explained by Pranav the previous day was easy to understand for both Rajesh and AK. They also realised that it is important to have a buffer in own hands at all times since bad times wait for none. They were also well aware about their own situation that they might
- [Budget 2021: Does It Change Anything in Your Life?](https://humfauji.in/budget-2021-does-it-change-anything-in-your-life/) - Firstly, our overall take on the budget 2021 This is definitely a good budget - focused on the short-term growth in the right areas without any disruptive taxation in these extraordinary times. One of the best budgets ever seen and could have been expected in current scenario. Execution of the same becomes critical now. The
- [Chapter: 6 | Sweet Child of Mine - Safe investments products Part 1](https://humfauji.in/chapter-6-sweet-child-of-mine-safe-investments-products-part-1/) - Under Pranav’s tutelage, Rajesh and AK were gradually getting comfortable with the daily discussions about handling money and its known and unknown kinks. The repeated treatise on the importance of insurance was making its impact in several ways in the lives of the new students. Both AK and Rajesh had been on a mission to
- [Chapter: 7 | Another Day in Paradise - Safe investments products Part 2](https://humfauji.in/chapter-7-another-day-in-paradise-safe-investments-products-part-2/) - Safety of capital was dear to AK and Rajesh both. The previous discussions had clearly put them on the right path, which was evident from the fact that they had started reading up on financial planning and investments, something they wouldn’t even have dreamt of just a few weeks back. So, their dose of financial
- [Chapter: 8 | Lucy in the sky with diamonds - Equity investing](https://humfauji.in/chapter-8-lucy-in-the-sky-with-diamonds-equity-investing/) - After spending a few days deliberating over the safe investment options and how that can be utilised for maintaining a good standard of living and meeting balance liabilities in the retired life, Rajesh and AK seemed more sure about where to park the wealth they had accumulated over the years. Over the course of their
- [Chapter: 9 | Dark side of the Moon: Is Gold a good investment?](https://humfauji.in/chapter-9-dark-side-of-the-moon-is-gold-a-good-investment/) - A sunny day with a sprawling dew-laden morning golf course right in front is a Golfer’s paradise. All the three friends, Col AK Singh (‘AK’), Cmde Rajesh Lal (‘Rajesh’) and Gp Capt Pranav Gupta (‘Pranav’), admired the beauty of the nature before preparing to Tee-off today. “Doesn’t it look like gold spread all over the
- [The Provident Fund Shell-Shock – What to do now?](https://humfauji.in/the-provident-fund-shell-shock-what-to-do-now/) - What is the issue? In the union budget presented on 1st Feb 2021 for the financial year 2021-22 (ie, for the income earned from 1st Apr 2021 till 31st Mar 2022), the Provident Fund (PF) contribution made beyond Rs 2.5 Lakhs in a financial year will be taxable as per one’s tax slab. So far,
- [Chapter: 10 | Hotel California - Real estate to avoid](https://humfauji.in/chapter-10-hotel-california-real-estate-to-avoid/) - By now, the safety of investments and its importance was pretty much ingrained in the thought process of AK and Rajesh. The previous discussions on investments, particularly the ones on safe investments and gold had an eye-opening impact on them. However, as Pranav had been observing, AK was struggling with his own dilemmas due to
- [Chapter: 11 | I want to Break Free - Off-beat financial products in the market](https://humfauji.in/chapter-11-i-want-to-break-free-off-beat-financial-products-in-the-market/) - The series of discussions over the past few weeks had made AK and Rajesh totally load up on money and investment knowledge. And since it proceeded so gradually, they themselves did not realise that both of them were now discussing it with others and preaching to their own families on this subject that once seemed
- [Chapter: 12 | Money, Money, Money! - What wrong products to avoid?](https://humfauji.in/chapter-12-money-money-money-what-wrong-products-to-avoid/) - “What a great shot, AK. You seem to be fully energised today morning. Are you on the way to a bloody Eagle!!” Gp Capt Pranav Gupta (“Pranav”) applauded his long-time friend Col AK Singh’s (“AK”) flawless drive on this Par-5 hole. “Pranav, you know me well. Chip and Putt have now become my nemesis while
- [Chapter: 13 | I wanna hold your hand - What aspects matter more in life now?](https://humfauji.in/i-wanna-hold-your-hand-what-aspects-matter-more-in-life-now/) - The impact of the discussions over the past few weeks was not limited to the three of them now. The discourse had reached a different level, with AK and Rajesh discussing several of their mutual discussions threadbare with their spouses and children. Issues, with much larger ramifications than mere investing also came up, like, what
- [Chapter: 14 | I believe I can fly - Getting into the civvy street younger](https://humfauji.in/chapter-14-i-believe-i-can-fly-getting-into-the-civvy-street-younger/) - After a very rejuvenating discussion the previous day, all the three friends, Pranav, AK and Rajesh, decided not to discuss anything about retirement today and concentrate on their reason for meeting there - a good round of Golf. They could do a full 18-hole course, which made the bright day even brighter. The South Indian
- [LTC Cash Voucher Scheme - don’t forget to utilize it by 31 March 2021](https://humfauji.in/ltc-cash-voucher-scheme/) - LTC difficulties in 2020-21 due to Covid-19 2020-21 was a different year as we all know. Due to the restrictions on travel due to Covid-19 as well as reluctance to travel even after the restrictions were removed, most employees would end up not utilizing this tax benefit. The union government took a thoughtful decision to
- [Do you wish to invest in Google, Amazon, Apple and Netflix?](https://humfauji.in/do-you-wish-to-invest-in-google-amazon-apple-and-netflix/) - Discover how international funds let you invest in global giants like Google, Amazon, Apple, and Netflix. Learn about risks, benefits, and investment options.
- [Chapter:15 | Stairway to Heaven - Put it all together](https://humfauji.in/stairway-to-heaven-put-it-all-together/) - Explore how AK, Rajesh, and Pranav mastered personal finance and embraced retirement. Learn key lessons for a secure and fulfilling financial future.
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- [How to handle your DSOPF contributions now?](https://humfauji.in/how-to-handle-your-dsopf-contributions-now/) - Please refer to our article: https://humfauji.in/the-provident-fund-shell-shock-what-to-do-now/ What is the latest update on it? Finance minister Nirmala Sitharaman, on 23rd March 2021, increased the yearly contribution tax-free limit to Rs 5 Lakhs (from Rs 2.5 Lakhs announced in the budget speech) in provident funds (PFs) where there is no employer contribution. Essentially it means that if
- [Beginning of a new financial year - a good time to review and plan your finances](https://humfauji.in/beginning-of-a-new-financial-year/) - Explore why the start of a new financial year is ideal for reviewing personal finances and investment portfolios. Ensure tax efficiency and goal alignment.
- [Who do you align with - Mr Hardcore FDs (HFD) Or Mr Growth Bhai (GB)?](https://humfauji.in/mr-hardcore-fds-or-mr-growth-bhai/) - The past year has been extremely volatile for most people. Many people lost their loved ones. Many others lost their jobs or other sources of livelihood. Two friends many of us have in common – Mr Hardcore FD (HFD) and Mr Growth Bhai (GB) - also faced some challenges in their own lives. Before the
- [With markets so High, is it time to rebalance your portfolio? | Asset Allocation](https://humfauji.in/asset-allocation/) - Discover the importance of asset allocation in volatile markets. Learn how to effectively rebalance your portfolio for financial stability and long-term growth.
- [Savers have no choice now! Get Into Stock Markets ASAP....](https://humfauji.in/savers-have-no-choice-now-get-into-stock-markets-asap/) - 31st March 2021. Govt announced the following rates for small savings:- All hell broke loose – Twitteratti, Whatsappers, media and more were livid. Govt rolled back the cuts the next day. Probably not because of the outcry but realising the official faux pas – elections in 7 states! How long will the old rates hold?
- [Is Your CA Recommending You To Have A HUF To Save Tax?](https://humfauji.in/is-your-ca-recommending-you-to-have-a-huf-to-save-tax/) - For most of the faujis, the word HUF itself is something difficult to decode. But if you consult a Chartered Accountant (CA) and ask him about tax saving, he might ask you if you’ve made a ‘HUF’? So, what is this HUF that CAs talk about and why so? HUF is an abbreviation for Hindu
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- [3 Lessons Learnt from the DHFL debacle and how we overcame it with sheer grit](https://humfauji.in/3-lessons-learnt-from-the-dhfl-debacle-and-how-we-overcame-it-with-sheer-grit/) - Explore how we navigated the DHFL crisis, returning investors' funds & learning key financial resilience lessons.
- [Let’s Start the New Year 2023 by Doing Something Good for Our Soul](https://humfauji.in/lets-start-the-new-year-2023-by-doing-something-good-for-our-soul/) - Hum Fauji Initiatives HFI Welfare Foundation, a government-recognized NGO, has been providing support to families and individuals during and after the COVID-19 pandemic
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- [Get FREE Tickets for ‘11 Strangest Secrets of Wealth Creation’ Mega Event!!](https://humfauji.in/get-free-tickets-for-11-strangest-secrets-of-wealth-creation-mega-event/) - Financial Wellbeing Conclave 2023 in Mumbai, 19–21 Jan, with 1200+ advisors. Includes a MEGA Investor Awareness Program on 11 Strangest Secrets.
- [How Can you Take Best Advantage of Current High-Interest Rates?](https://humfauji.in/how-can-you-take-best-advantage-of-current-high-interest-rates/) - Why traditional FDs falter in high rates. Optimize returns with debt mutual funds. Explore our 'Debt Opportunity Portfolio' for max gains!
- [Will you miss out this Tremendous Safe investment Opportunity?](https://humfauji.in/will-you-miss-out-this-tremendous-safe-investment-opportunity/) - Explore our Debt Opportunity Portfolio for high returns, safety, and the Mark-To-Market advantage. Secure your future today!
- [Debt Mutual Funds – Are They Still Relevant to Col AK Karmakar Retiring Shortly?](https://humfauji.in/are-debt-mutual-funds-are-still-relevant/) - Col Arun Kumar Karmakar's journey with Hum Fauji explores debt MFs amidst tax changes. Discover insights into bank FDs, corporate FDs, and more.
- [Let’s Start the Financial New Year 2023 by Doing Things Right…](https://humfauji.in/lets-start-the-financial-new-year-2023-by-doing-things-right/) - Getting ready for the new financial year 2023-24 (FY24) means understanding common financial mistakes that can cost you a lot. There are many pitfalls to avoid, including overspending via credit cards, not investing enough to handle emergencies, not reviewing your credit report, and procrastinating tax planning. A term insurance policy is critical to protect your
- [Building Long-Term Wealth: Unleashing the Potential of SIPs in the Nifty 50 Index](https://humfauji.in/building-long-term-wealth-unleashing-the-potential-of-sips-in-the-nifty-50-index/) - Explore the benefits of Systematic Investment Plans (SIPs) in the Nifty 50 index. Start your SIP journey for disciplined, long-term wealth creation.
- [Still Relying on Bank FDs? Discover a Smarter, Safer Alternative!](https://humfauji.in/still-relying-on-bank-fds-discover-a-smarter-safer-alternative/) - Are your savings really growing in your bank FD — or just sitting idle while inflation and taxes quietly eat into them, giving you net NEGATIVE returns? In today’s fast-changing interest rate environment, what worked a few years ago—like traditional bank fixed deposits—may not be enough anymore; in fact, they’ll fail to deliver real growth for sure as the
- [Why Comparing Your Finances with others is a Recipe for Disaster?](https://humfauji.in/why-comparing-your-finances-with-others-is-a-recipe-for-disaster/) - Gain clarity on investment, insurance, and wealth management myths. Expert insights to debunk common misconceptions and make informed financial decisions.
- [Crafting a Plan for Stylish Retirement for your Working Children](https://humfauji.in/stylish-retirement-plan-for-your-working-children/) - Retirement Planning in India requires meticulous preparation and informed decision-making. By understanding your financial situation, setting clear goals, diversifying investments, and embracing the right mindset, you can secure a comfortable and fulfilling retirement.
- [Unleash Exciting Opportunities Beyond Bank FDs with double the benefits and similar safety](https://humfauji.in/unleash-exciting-opportunities-beyond-bank-fds-with-double-the-benefits-and-similar-safety/) - Tired of stagnant returns on your bank FDs? In today's dynamic investment landscape, ditch the drag of fixed deposits and unlock the potential of corporate bonds, corporate FDs, Government Securities (G-Secs) issued by the RBI – Reserve Bank of India, and PSU tax-free bonds! Why so, you may ask when bank FDs have stood the
- [The Road to Retirement Bliss: The Art of Proactive Planning and Execution](https://humfauji.in/proactive-approach-to-planning-your-retirement/) - Navigate retirement with confidence! Our guide helps Indian Army officers plan strategically for fulfillment and security in retirement.
- [Unlocking Financial Success: Strategic Investment Tips for FY 2024-25](https://humfauji.in/optimize-investment-portfolio-financial-year-2024-25/) - Discover expert strategies for optimizing your investment portfolio in FY 2024-25. Rebalance, mitigate risk, and seize opportunities for financial success.
- [Are you getting a Cycle-rickshaw for the price of a Car?](https://humfauji.in/tailored-investment-experience-vs-one-size-fits-all/) - Explore why personalized guidance matters in mutual fund investments. Elevate your financial journey with tailored advice at no extra cost.
- [Unveiling the Importance of Corporate RIA Financial Services](https://humfauji.in/hum-fauji-corporate-ria-financial-planning-services/) - Discover why Corporate RIA services matter. Benefit from unbiased financial advice & transparency. Join us for expert financial planning.
- [Invest Wisely: Expert Guidance for US Market Investments](https://humfauji.in/invest-in-us-markets-ethical-cost-effective-professional-advice/) - Dive into US market investments with expert guidance & low costs. Tailored portfolios & continuous monitoring for long-term gains. Don't miss out!
- [Why should you have ‘Smart Beta Funds’ in Your Portfolio?](https://humfauji.in/why-should-you-have-smart-beta-funds-in-your-portfolio/) - In this article we introduce Smart Beta Funds to you, an innovative investment option that has the potential to add a lot of value to your portfolio. Here's a comprehensive look at what Smart Beta Funds are, their advantages, and why they might be the right choice for you. Understanding Smart Beta Funds Smart Beta
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- [Say Goodbye to Stagnant Returns – Supercharge Your Investments with safety!](https://humfauji.in/say-goodbye-to-stagnant-returns-supercharge-your-investments-with-safety/) - Boost your investment returns safely! Discover smart strategies to grow your wealth without unnecessary risks. Start supercharging today!
- [Keep Winning! Yes its possible even when the markets tank.](https://humfauji.in/keep-winning-yes-its-possible-even-when-the-markets-tank/) - Keep Winning! Yes, it’s possible—even when markets tank. Learn how to stay ahead, seize opportunities, and turn downturns into wins
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- [FINANCIAL PLANNING FOR THEIR CHILDREN BY INFANTRY OFFICERS.](https://humfauji.in/financial-planning-for-their-children-by-infantry-officers/) - Alice : Which road is the right one to take? Cheshire Cat : Depends on where you want to go? Alice : I do not know! Cheshire Cat : Then any road will get you there! - Alice in Wonderland Introduction Financial planning for your children is probably something that takes up a
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- [YOU OWE IT TO YOUR CHILDREN – PART 2](https://humfauji.in/you-owe-it-to-your-children-part-2/) - In Part-1 of this article, posted 4 days back, we had dealt with planning for the children for the long term wherein general strategy and points to be kept in mind had been discussed. As already brought out, one needs to start saving as early as possible. This has four huge advantages – you only
- [Hope You do not Fall Prey to these Investment Myths](https://humfauji.in/hope-you-do-not-fall-prey-to-these-investment-myths/) - As a Financial Planner and an Investment Advisory firm, we come across quite a few biases over-and-over again while dealing with people from all walks of life. Sometimes it is quite surprising that many of the people know more about the state of nation’s and USA’s finances than their own! Investment myths abound, leading to
- [FINANCIAL PLANNING FOR CHILDREN BY ARMED FORCES OFFICERS Part-2](https://humfauji.in/financial-planning-children-armed-forces-officers-part-1/) - Introduction Financial planning for your children is probably something that takes up a lot of your 'worrying' time. You know that you need to start setting aside money for your child's needs. But what you do not know is the ideal way to go about doing the same. Whether your objective is to provide for
- [ITS TOMORROW THAT MATTERS](https://humfauji.in/its-tomorrow-that-matters/) - Prashant Jain is one of the most respected Mutual Fund managers in India. In a recent article, “Its Tomorrow That Matters”, he makes out a very persuasive case for investing in equity-linked products NOW. By giving behavioural, fundamental and philosophical aspects of equity investing, he asserts that this is the time to invest in equity
- [Diversification of Your Investments-  Don’t Put All Your Eggs In One Basket](https://humfauji.in/diversification-of-your-investments-dont-put-all-your-eggs-in-one-basket/) - We frequently come across individuals who are very finance-savvy but have taken a fancy to one particular asset-class and are totally convinced that it is the best one to sail them through their life. This bias is seen mostly in real-estate investments and in equity investments(stocks or shares, as they are variously called). Unmindful of
- [Is financial Planning Only for the Rich?](https://humfauji.in/financial-planning-rich/) - Normally, it is assumed, erroneously of course, that getting a proper financial plan made from a Financial Planner is the recourse of only the rich – “if I don’t have a ‘lot of money’, what financial planning can be got done?”. But look at it from another angle – because one doesn’t have a ‘lot
- [RETIRE RICH, LIVE COMFORTABLY IN YOUR GOLDEN YEARS](https://humfauji.in/retire-rich-live-comfortably-your-golden-years/) - Guaranteed pension, assured returns from government schemes, relatively low inflation and the security of a joint family - all the four pillars on which has previous generation’s retirement planning rested, have either gone or will disappear soon. Tomorrow’s retirees will balance high income with uncertain returns, better means of capital appreciation with longer lifespan, and
- [Is Your Bank earning more on your money than You ?](https://humfauji.in/bank-earning-money/) - We all generally have a considerable amount of money lying in our bank accounts at any given time. We also feel happy that it is safe and generally earning 4% per annum interest in SB and around 8-9% on Fixed Deposits (FDs). However, do you know how the banks use this money of ours to
- [You Owe it to your Children – Part 1](https://humfauji.in/you-owe-it-to-your-children-part-1/) - Saving for your child’s future needs is one of your most important goals in Life as also your Bounden Duty as a parent Remember Farhan Qureshi in the 3 Idiots? His father planned out his education and career the day he was born. The senior Qureshi's career choice may have been out of sync with
- [IS 100% SAFE RETURNS FOR RETIRED PEOPLE ACTUALLY AN INVESTMENT MYTH?](https://humfauji.in/100-safe-returns-retired-people-actually-investment-myth/) - There are any number of websites, articles and experts extolling the virtues of realigning your asset allocation to ‘safer’ avenues as one inches towards his retirement. Some go to the extent of advocating a 100% debt portfolio the day one retires. Many arguments are advanced in favour of this shift – emotional ones (‘need to
- [Unexpected Windfall by Income Tax Tribunal for Sellers of House Property](https://humfauji.in/unexpected-windfall-by-income-tax-tribunal-for-sellers-of-house-property/) - On 31 October 2012, the Income Tax Appellate Tribunal (ITAT) delivered an order that is set to bring an unexpected relief to millions of home buyers in the country. It clarified that the interest paid on home loans is an expense to the home buyers and hence is to be counted as a cost to
- [Are you wasting your money in the wrong Insurance Policy? Can you Get Out of It?](https://humfauji.in/wasting-money-wrong-insurance-policy-can-get/) - Life insurance should be used only as a financial protection tool for your loved ones dependent on you, NEVER to create wealth. There are many investors who happily say they have 5, 7, 10 or even more life insurance policies and the maturity amount of each policy (usually 15-20 years later) is twice or thrice the
- [Taxation of House Rent Allowance (HRA)](https://humfauji.in/taxation-of-house-rent-allowance-hra/) - We often come across people who consider HRA as the amount which is given in-lieu of accommodation and hence fully exempt from tax. There are an equal number of people who consider it as fully taxable – hence, if they get, say, Rs 20,000 as HRA per month, they consider that they are effectively getting
- [HOW TO SELL YOUR HOUSE AT A GOOD PROFIT & PAY NO TAX](https://humfauji.in/sell-house-good-profit-pay-no-tax/) - Have you sold your house and earned a hefty amount in profit but do not want to pay any income tax on this profit? Is there any legitimate way to do this? Yes, there are more than one ways. We explain below how income tax can be avoided (of course, totally legally) on Long Term
- [Should You Invest in Gold Today on Akshay Tritiya?](https://humfauji.in/should-you-invest-in-gold-today-on-akshay-tritiya/) - Today is Akshay Tritiya (or Akha Teej / Akshay Teej) – a day which is considered auspicious to donate to the needy or to present something to dear ones or to start a new trade/venture. It is also considered a good day for weddings. The savvy marketers of modern times have made this day auspicious
- [Income Tax Return Filing FY 2011-12](https://humfauji.in/income-tax-return-filing-fy-2011-12/) - Dear Friends, Time for the annual ritual of filing Income Tax (IT) Return for the Financial Year (FY) 2011-12 [Accounting Year (AY) 2012-13] has arrived. You must have received – or will shortly be receiving - your Form 16 from your employers / CDA which will give you the details of your income and taxes
- [IS YOUR BANK FIXED DEPOSIT CHEATING YOU?](https://humfauji.in/is-your-bank-fixed-deposit-cheating-you/) - IS THERE AN ALTERNATIVE TO A BANK FD FOR SAFE INVESTMENTS? Nobody likes to lose money. The most common refrain that I hear as a Financial Planner is – “I may not make much money, but I don’t want to lose any ever!” Why not - after all it is your hard-earned money, why lose
- [ARE YOU INVESTING & MANAGING YOUR MONEY RATIONALLY?](https://humfauji.in/investing-managing-money-rationally/) - Errors Investors Repeatedly Make in Choice of Investment and Timing Behavioural Finance is a very interesting field of psychology. It studies and analyses the reaction of people and their bias when faced with investment decisions. Please read the instances given below – do you relate yourself to any one or more of them? You have
- [Do You Lose Everytime that you Invest in Real Estate for the Long-term?](https://humfauji.in/do-you-lose-everytime-that-you-invest-in-real-estate-for-the-long-term/) - Indians’ love affair with real estate is only too well known to all of us. It provides a heady cocktail of being a tangible asset having appreciation potential and some income potential as well. There is also this strong perception that you can't lose money in real estate, if you have the "holding power". There

## Pages

- [Home](https://humfauji.in/) - Comprehensive financial planning for armed forces personnel and their families. Secure your future with expert retirement, investment, and tax strategies.
- [Income Tax Filing](https://humfauji.in/income-tax-filing/) - Smarter. Faster. Simpler.Your 2025 Tax Filing Starts Here!(for Financial Year 2024-25 corresponding to Assessment Year 2025-26) File Your Income Tax We’re thrilled to introduce a brand-new and sleek Income Tax Filing system – now available for all Indian armed forces personnel and their close family members all across the country and anywhere in the world.
- [Investor Complaints](https://humfauji.in/investor-complaints/) - Complaint Data to be displayed by IAs Formats for investors’ complaints data to be disclosed monthly by IAs on their website/mobile application: Data for the month ending April 2026: Sr. No. Received from Pending at the end of last month Recei ved Resol ved * Total Pending # Pending complaints > 3 months Average Resolution
- [Media](https://humfauji.in/media/) - Markets fear uncertainty more than war: How to navigate geopolitical crises Do Not Take Loan on FD At Cost of Safety Net DA hike delay: Will government skip it or just postpone it? Experts weigh in Will government bring alternative to SGB scheme in Budget 2025? Here is what experts say Stock market sell-off: Opportunity
- [Compliance Audit](https://humfauji.in/compliance-audit/) - “Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SECURITIES AND EXCHANGE BOARD OF INDIA (INVESTMENT ADVISERS) REGULATIONS, 2013 for last and current financial year are as under:” Sno. Financial Year Compliance Audit Status Remarks, if any 1 FY 2023-2024 Conducted Audit Report dt. 28th September 2024 submitted to SEBI & BSE 2 FY
- [Home Loan Services](https://humfauji.in/home-loan-services/) - Home Loan Services At Hum Fauji Initiatives, they are not just mere transactions. They are long term financial decisions and should be aligned with your financial goals. SCHEDULE A CALL NOW Δ A home is more than just a property—it is long-term security, stability, and comfort for your family. Whether you are buying your first
- [Contact](https://humfauji.in/contact-us/) - Hum Fauji Initiatives 1st and 2nd Floor, Bimal Plaza, Near Kotak Mahindra Bank, Pocket 4 Market, Sector 11, Dwarka, New Delhi - 110075 011-4081-4681 (30 Lines) avp@humfauji.in +91-92205 51471 (Only for SMS & Whatsapp) Interested inFinancial / Retirement PlanGoing ahead with InvestmentsScheduling a Call Δ
- [Payment Modes for Advisory Services](https://humfauji.in/payment-modes-for-advisory-services/) - Details of the payment modes for investors availing advisory services are provided below:- Mandate – Steps to Pay: Open the mandate link generated by your advisor. Select the bank account and authenticate. Mandate gets activated. Fees will be auto-debited. For clients who are unable to pay via mandate, we got a validated UPI handle Steps to
- [Grievance Redressal Mechanism](https://humfauji.in/grievance-redressal-mechanism/) - Purpose The purpose of this policy is to ensure that all clients of Hum Fauji Financial Services Pvt Ltd are treated fairly and with respect and that any grievances they may have are addressed in a timely and efficient manner. Scope This policy applies to all the direct clients of Hum Fauji Financial Services Pvt
- [Jobs @HFI](https://humfauji.in/current-openings/) - Please visit our LinkedIn Page for recent openings.
- [MF Grievance Redressal](https://humfauji.in/mf-grievance-redressal/) - Clients who have a grievance related to Mutual Fund Investments should first contact their relationship manager. The relationship manager will investigate the matter and shall be able to resolve it to client's satisfaction. Incase, the client is not satisfied, they are requested to escalate the grievance to the next level as detailed below: Team Immediate
- [About Us](https://humfauji.in/about-us/) - About the Company Incorporated in Nov 2009, as a partnership firm named Hum Fauji Initiatives, Hum Fauji Financial Services Pvt Ltd is now a private limited company, and is ISO 9001:2008 certified for its robust systems and processes. It was started with the sole aim of providing an ethical, transparent and cost-efficient platform which addresses
- [Privacy Policy](https://humfauji.in/privacy-policy/) - This privacy policy sets out how Hum Fauji Financial Services Private Ltd uses and protects any information that you share when you use this website. Hum Fauji Financial Services Private Ltd is committed to ensuring that your privacy is protected at all times. Should we ask you to provide certain information by which you can
- [Investment Advice for Indian Defence Personnel](https://humfauji.in/investment-advice-for-indian-defence-personnel/) - Summarised below are the short-term and long-term financial investment options available for Indian investors. Short-term Investing Savings Bank Account. Often the first banking product people use, savings accounts offer low interest (generally 4-6% p.a. in India presently), making them only marginally better than safe deposit lockers. In case a large amount keeps lying in the
- [Mutual Fund Investments for Defence Personnel](https://humfauji.in/mutual-fund-investments-defence-personnel/) - Invest smartly with Mutual Funds tailored for Armed Forces officers & families. Start SIPs, plan for long-term wealth, and enjoy tax benefits with expert guidance.
- [NRI Client Advisory Services](https://humfauji.in/nri-client-advisory-services/) - NRI Client Advisory Services NRI Investments Advice for Armed Forces Officers and their Families Across the Globe SCHEDULE A CALL NOW Δ Are You an officer from Indian Armed Living Outside India and Wondering How to Manage or Grow Your Wealth Smartly? Whether you are: An NRI, OCI, or PIO looking to invest in India
- [Loan Against Mutual Funds – LAMF by Hum Fauji Initiatives](https://humfauji.in/loan-against-mutual-funds/) - Get instant funds with Loan Against Mutual Funds (LAMF) by Hum Fauji Initiatives – a smart, secure way to unlock liquidity without selling investments.
- [Home & Travel Insurance](https://humfauji.in/home-travel-insurance/) - Get the best home insurance with structural, contents, liability & temporary coverage. Protect your home & valuables with customizable plans
- [Term Insurance](https://humfauji.in/term-insurance/) - Term Insurance Straightforward and cost-effective way to protect your loved ones in case of an unprecedented and unfortunate event. SCHEDULE A CALL NOW Δ Life is unpredictable, but your family’s financial security shouldn’t be. Term insurance provides high coverage at affordable premiums, ensuring your family’s financial stability even in your absence. At Hum Fauji Initiatives,
- [Secure Returns with Bonds & Fixed Income Investments](https://humfauji.in/bonds-fixed-income-investments/) - Explore Bonds & Fixed Income Investments with Hum Fauji Initiatives – offering secure, steady returns tailored for armed forces and conservative investors.
- [Corporate Fixed Deposits](https://humfauji.in/corporate-fixed-deposits/) - Invest in top-rated Corporate Fixed Deposits for secure returns & stability. Higher interest than bank FDs, AAA-rated companies, and flexible tenure options.
- [Portfolio Management Services](https://humfauji.in/portfolio-management-services/) - Portfolio Management Services (PMS) SCHEDULE A CALL NOW Δ Is It Time to Take the Next Step in Your Wealth Journey? Most of us begin our investment journey with simple, safe products i.e. savings accounts, fixed deposits, maybe a few Insurance policies. As awareness grows, we step into mutual funds, which have rightly become the
- [SEBI Disclosure](https://humfauji.in/sebi-disclosure/) - Complete name of Investment adviser as registered with SEBI Hum Fauji Financial Services Pvt Ltd Type of Registration Non-Individual Registration number, validity of registration Registration Number INA000018197 dated July 05, 2023 till perpetual Complete Address with telephone numbers 2nd Floor, Bimal Plaza, Plot 9, Pocket 4 Market, Sector 11, Dwarka, New Delhi 110075 Telephone: 011
- [Meet Our Team](https://humfauji.in/meet-our-team/) - Col Sanjeev Govila (Retd.) CEO C-Suite Mrs. Bindu Govila COO Deputy Managers Financial Planning and Business Operations BD The emerging two act like the forward post of our operations team. This team constantly scouts new territories to grow and outreach with our mission to empower the fauji community in the best possible way. Team Arjun
- [HFI Brochure](https://humfauji.in/hfi-brochure/) - We are Hum Fauji Initiatives, a self-started & self-funded fintech advisory and investment planning firm that takes pride in our motto, ‘By the Faujis. For the Faujis’. We are trusted by thousands of armed forces officers & their families across the globe. Δ
- [Health Insurance](https://humfauji.in/health-insurance/) - Get the right health insurance for Armed Forces officers & families. Enjoy cashless hospitalization, critical illness cover & tax benefits. Compare plans today!
- [OWAS](https://humfauji.in/owas/) - Invest in US markets with expert-curated portfolios for NRIs and expats. Choose Conservative, Balanced, or Aggressive strategies with transparent flat fees.
- [Investor Charter](https://humfauji.in/investor-charter/) - Vision and Mission Statements for investors Vision Invest with knowledge & safety. Mission Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness. Details of business transacted by the Investment Adviser with respect to the investors
- [FAQs](https://humfauji.in/faqs/) - What is financial planning? Simply put, financial planning is the process of identifying and defining your financial goals, prioritizing them and achieving these goals with a clear, focused and a customized game plan. Financial Planning can help you achieve both greater wealth and financial security, while inadequate or improper planning can be disastrous. Financial Planning
- [Children's Future Planning](https://humfauji.in/childrens-future-planning/) - Children’s Future Planning The purpose of Children’s Future Planning is to create a corpus for foreseeable expenditures such as those on higher education and wedding, and to provide for an adequate security cover during their growing years. SCHEDULE A CALL NOW Δ As human beings, there are hardly any stronger aspirations than providing the best
- [Financial Planning](https://humfauji.in/financial-planning/) - Financial Planning Financial planning is a powerful tool that empowers individuals and families to take control of their financial future. It provides a roadmap to achieve financial goals, manage risks, and make informed financial decisions. SCHEDULE A CALL NOW Δ Financial planning is a process through which an individual can chart a roadmap to meet
- [Thank You](https://humfauji.in/thank-you-2/) - Thank You for Contacting Us! We appreciate you reaching out to us. Our team has received your message and will get back to you as soon as possible. One of our teammates will be in touch shortly to assist you. In the meantime, feel free to explore our website or contact us if you have
- [Wealth Management](https://humfauji.in/wealth-management/) - Wealth Management While financial planning and wealth management are related disciplines within the field of personal finance, the key difference between the two is explained below. SCHEDULE A CALL NOW Δ Financial security means different things to different people. What does it mean to you? Financial planning is a comprehensive process that helps individuals assess
- [US Investments for Non-India based investors](https://humfauji.in/us-investments-for-non-india-based-investors/) - Discover the Power of Investing in the US Markets! - Introducing Hum Fauji’s new ‘One World Advisory Service (OWAS)’ Are you ready to unlock a world of extraordinary investment opportunities? Are you based outside India and are seeking expert guidance to invest in the US stock markets? Or perhaps you have loved ones outside India
- [Seminar Feedback](https://humfauji.in/seminar-feedback/) - Presentation Feedback Date of Seminar Was the content relevant and useful to you? Yes, very relevant and usefulSomewhat relevant and usefulNot very relevant and usefulNot at all relevant and useful How would you rate the quality of the content shared? Extremely GoodGoodAverageBelow AveragePoor Would you like to subscribe to our emails and WhatsApp broadcasts for
- [Financial FAQs for Armed Forces Officers](https://humfauji.in/financial-faqs-for-armed-forces-officers/) - Sir, I am prasanna , retiring from Central Govt service shortly. Retirement benefits to the tune of about 65 lakhs , I want to transfer it to the account of my wife. What will be the tax implication. Whether this decision is prudent or not. Just I want to make my wife financially independent I
- [EMandate  for Direct Clients](https://humfauji.in/enach-emandate/) - eNach Registration Form Customer Information Full Name Mobile Number E-mail ID Client ID Debit Account Details Create mandate with Select Bank Debit Account Number Confirm Account Number Select Account Type Select Account TypeCurrentSaving Enter Bank IFSC Code Mandate Information Maximum Collection Amount Collection Type Δ
- [ET Future Ready 2024-2025](https://humfauji.in/et-future-ready/2024-2025/) - Hum Fauji Initiatives and NTPC are the only organisations to have won it twice!! This year, we are sharing the wall of fame with: Amazon, Bajaj Capital, Capgemini, Coca Cola, Lenovo, Make My Trip, Microsoft, Reliance and many other prestigious companies. There are hundreds who put in their nominations, challenged through three rounds for selection
- [Signature Events of HFI for Empowering Faujis](https://humfauji.in/signature-events-of-hfi-for-empowering-faujis/) - Discover Life Beyond Service with Our Exclusive Program: Life 2.0 – Pathway Beyond Service Embark on a transformative journey with our signature program tailored exclusively for armed forces officers, serving or retired, their parents, and their children worldwide. Hum Fauji Initiatives, a renowned brand catering exclusively to the fauji community, proudly presents this groundbreaking seminar,
- [Community Support Initiative](https://humfauji.in/community-support-initiative/) - Join Hands for HFI – Welfare Foundation Join Hum Fauji Initiatives Welfare Foundation Thank you for your trust in our brand and the belief that we are worthy of being an initiative – exclusively for the armed forces officers and their families. Foundation Intent Get Involved Foundation Thank you for your trust in our brand
- [Ebook HFI Moneytalks Edition1](https://humfauji.in/ebook-hfi-moneytalks-edition1/) - +91-99990-53522 (Only for SMS & Whatsapp) Claim your eGift Now HFI Money Talks – Edition 1.0 (Year 2023) Thank you for your love & support for 14 years!! On the 14th raising day of Hum Fauji Initiatives, we would like to share a token of our appreciation for your continued trust and support. This e-book
- [Disclaimer](https://humfauji.in/disclaimer/) - Disclaimer: Terms and Conditions of Use of our professional Services Hum Fauji Financial Services Private Limited, hereafter referred to as Hum Fauji Initiatives, is dedicated to providing financial advisory and investment services to assist our clients in making informed investment decisions. Market Risk Warning: It is imperative to understand that all investment decisions carry inherent
- [Test](https://humfauji.in/test/)
- [Case Studies](https://humfauji.in/wealth-management-for-armed-forces-officers-case-studies/)
- [Retirement Planning for Indian Armed Forces Officers](https://humfauji.in/retirement-planning-indian-armed-forces-officers/) - Retirement Planning for Indian Armed Forces Officers We believe that every individual is different. Not everyone loves the idea of parallel path or work past retirement. We make is even easier with our Retirement Planning solutions. SCHEDULE A CALL NOW Δ SINGLE IS BLISS! Single: Carefree (Less than 30 years old) Typically a carefree person,
- [Bank Account By NRIs](https://humfauji.in/bank-account-by-nris/) - Different types of rupee accounts that are permitted and can be maintained by NRI NRI (Non-Resident Indian) bank accounts are financial accounts designed specifically for Indians residing abroad. These specialized accounts offer Non-Resident Indians (NRIs) a convenient means to effectively manage their financial matters in India. Non-resident external rupee account (NRE) Non-resident (ordinary) rupee account
- [Insurance](https://humfauji.in/insurance-advice-armed-force-officers/) - Life insurance is crucial for several reasons: Compared to investment, few people appreciate the importance of insurance as part of their financial planning. The issue is how does one make sure the family doesn’t have to vacate the house after one’s death, the son need not drop out of college to support the family, daughter
- [Money Market Instruments - Portfolio Management for Armed Forces Officers](https://humfauji.in/money-market-instruments-for-armed-forces-officers/) - The followings are the different asset classes available for investments SECTION I : STOCKS The aim of this Section is not to teach the mechanics of the stock market, or its virtues or otherwise. Suffice it to say that if played properly, stocks have the potential to give year-after-year returns much in excess of any
- [Income Tax](https://humfauji.in/income-tax-filing-armed-forces-officers/) - We are starting our Income Tax Return (ITR) filing services for the Financial Year 2022-23 now , pertaining to the income received by you during the period 1st April 2022 till 31st March 2023. 1. Our Income Tax services are meant ONLY FOR HUM FAUJI INVESTORS. 2. The Income Tax portal is yet not accepting filing of ITR.
- [ET Future Ready](https://humfauji.in/et-future-ready/) - Top 25 Mid & Small Sized Companies that are the country's "Most Future Ready Organizations". This prestigious accolade was bestowed upon us at a glittering ceremony held on May 4th, 2023, at Taj Land’s End, Mumbai, by none other than the esteemed Economic Times. This brings us in the mainstream MSMEs of the country thriving
- [Career](https://humfauji.in/career/) - Are you ready to bring the new to your career? Ready to work with one of fastest growing financial services company of India? Do you feel a sense of belongingness and gratitude for the Indian Armed Forces? You’ll work alongside our clients and empaneled advisors. You’ll be part of an inclusive team of CFPs, and
- [Golf Swings and Money Sutras](https://humfauji.in/book-by-col-sanjeev-govila/) - 15 Tried & Tested steps To A Golden Retirement Order on Amazon Entire sale proceeds of the books will be donated to, HFI Welfare Foundation, for educating children of deceased Jawans’ families who have fallen on hard times. This book is your chance to understand the retirement money game and explore the possibilities of financial
- [Money Market Instruments – Portfolio Management for Armed Forces Officers](https://humfauji.in/money-market-instruments-portfolio-management-for-armed-forces-officers/) - SECTION I : STOCKS The aim of this Section is not to teach the mechanics of stock market, or its virtues or otherwise. Suffice it to say that if played properly, stocks have the potential to give year-after-year returns much in excess of any other investment avenue. However, an undeniable fact remains that, apart from
- [Direct Plans Service at Hum Fauji Initiatives](https://humfauji.in/direct-plans-service-at-hum-fauji-initiatives/) - Your wait for our Direct Plans service in Mutual Funds is over now? After Financial Planning and Investments in Regular Plans of mutual funds, we now open our doors for investments in Direct Plans of mutual funds. Explore further…. What is this New Service being launched by you? Investment into Mutual Funds (MFs) can be
- [Tax Treatment for NRIs](https://humfauji.in/tax-treatment-for-nris/) - Before we begin, it is important to clarify that tax will be deducted only on incomes that are liable to tax in India. If the income is tax free in India like long term capital gains from equity shares, there would be no TDS. Another important thing to remember is that you should be an
- [Investing Formalities for NRIs](https://humfauji.in/investing-formalities-nri/) - Steps to proceed for Investment As per the new SEBI (Securities and Exchange Board of India) ruling with accordance to the protocols set by the Income Tax Department of India, anyone who wants to invest in Indian stock markets, debt or other instruments or be involved in any financial transaction in India needs a PAN
- [Smart Options](https://humfauji.in/smart-options/) - HOW TO GET THE VERY BEST OUT OF WHAT LIFE HAS TO OFFER: MILK THE LAST DROP!! MAXIMISE YOUR BANKING EXPERIENCE Watch your cash flow. If you hate writing out cheques, it would make sense to arrange for your bank to automatically pay your utility bills, SIP (systematic investment plan) instalments and EMIs (equated monthly
- [Personal Finance Advise for Defence Personnel](https://humfauji.in/personal-finance-advice-defence-personnel/) - Custom Plans to Match Your Style To have more money available in future, it has to be parked in such a way that it grows. And numerous products catering to this need have hit the market. While some of us have revelled in the wide, new choice, others have been left untouched. For, more often
- [PIO AND OCI Application Process for NRIs](https://humfauji.in/pio-and-oci-application-process-nri/) - A PIO (Person of Indian Origin) Card allows visa free travel and gives several benefits to the card holder. The Government of India has a comprehensive Scheme for Persons of Indian Origin – called the “PIO Card Scheme”. Under this scheme, Persons of Indian Origin up to the fourth generation (great grandparents) settled throughout the
- [Broad Custom Plan As Per Your Lifestage](https://humfauji.in/broad-custom-plan-as-per-your-lifestage/) - Benchmarks at Various Stages in Life What Broad Financial Strategy Should You Follow? The paths taken to financial independence vary depending on the risk profile of the investors, the amount of capital they begin with, and the targeted capital that they wish to end up with. There is also a factor of luck and timing
- [Gallery](https://humfauji.in/gallery/)
- [FAQs for NRIs](https://humfauji.in/faqs-for-nris/) - Who is a Non-Resident Indian (NRI)?An Indian citizen or a foreign citizen of Indian origin who stays abroad for employment/carrying on business or vocation or under circumstances indicating an intention for an uncertain duration of stay abroad is a NONRESIDENT INDIAN (NRI). (Those who stay abroad on business visit, medical treatment, study or such other
- [Investment Options for NRIs](https://humfauji.in/investment-options-nris/) - NRIs can invest in: Bank Deposits. Secondary markets through portfolio investment in equity shares/convertible debentures. New issues (shares/convertible debentures). Non convertible debentures. Mutual funds and Bonds provided that amount is invested out of NRE/FCNR/NRO account or by inward remittance. Domestic (NRO) funds through deposits in Indian companies (including Non Banking Finance Companies if they are
- [Summit 2021](https://humfauji.in/summit-2021/) - This year the ‘Freedom To Be’ Summit is getting bigger & better. Our audience is evolved, curious about the markets. Capturing the queries, quests and curiosities we present to you, the Summit 2021. What Do We Cover? Hum Fauji Initiatives’ Wealth Summit – ‘Freedom To Be’: 25th Jul 2021 Speaker 09.45 – 10.00 Introduction Col
- [Home back-up 6-5-21](https://humfauji.in/home-back-up-6-5-21/) - Integrity Going by the army norms, our founders believed in integrity as the first and foremost value at HFI Wealth Creators. Integrity coupled with confidentiality is the base of each client relationship at HFI. Transparent We understand we are dealing with your money. And money matters are best kept transparent and that is why transparency
- [Financial Cocktail Samosas](https://humfauji.in/financial-cocktail-samosas1/)
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- [Gp Capt Sudheer Maingi, Veteran, Captain Spicejet](https://humfauji.in/testimonial/gp-capt-sudheer-maingi/) - Hum Fauji is not a run of the mill motley group of financial planners. It is family. Forever Supportive, Encouraging and Facilitating your dreams into reality. The personal involvement, a committed thought process with fleet footed follow up action keeps your chin up and reassured.
- [Col Aditya Kumar Parida(retd), Ex-Professor Lulea University of Technology, Sweden](https://humfauji.in/testimonial/col-aditya-parida/) - Hum Fauji team has been my choice of Financial Planners for years now, even though I stay thousands of miles away from India. I find them the most trustworthy and dependable, and have entrusted them with the entire finances of myself and my earning son here.
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- [Mrs.Supriya Arwari , Proprietor of Skillster Employability Solutions, Pune](https://humfauji.in/testimonial/mrs-supriya-arwari/) - Hum Fauji Initiatives lived up to its name by hand holding my finances and has always helped me with my life planning. They helped me take financial charge after I lost my husband and during the period when I was going through not just mental & emotional but also financial transition. I recommend the Hum

## Financial Cocktail Samosas

- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/04/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-04-2026/) - Understand smart financial decisions, from buying a house at the right time to avoiding behavioural biases and using loan against mutual funds for liquidity.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 15/04/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-15-04-2026/) - The Role of Hybrid Funds in Today’s Volatile Markets In the current environment, marked by elevated interest rates, sharp market corrections, and inconsistent market leadership, portfolio construction requires more balance than ever. The focus today is not just on returns, but on managing volatility and investor behaviour through structured allocation. Hybrid funds are investment funds
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 08/04/2026](https://humfauji.in/financial-cocktail-samosas/war-impact-on-markets-investor-tax-lessons/) - Learn how war impacts markets, smart LTCG tax strategies, and key insurance planning tips for defence personnel and long-term investors.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/03/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-04-03-2026/) - Understand pension commutation, market expectation myths, and why home insurance matters beyond society cover for better financial security.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/03/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-03-2026/) - Learn goal-based investing for armed forces families, risks of sectoral funds, property tax basics, and key health insurance red flags.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/02/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-02-2026/) - Stay balanced during the metal rally, invest calmly in market drops, and plan retirement smartly beyond FDs with disciplined asset allocation and strategy.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 18/02/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-18-02-2026/) - Understand defence retirement tax benefits, RBI liquidity impact on bonds, home loan guidance, and HUF investing pros and cons for smart financial planning now.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 25/01/2026](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-25-01-2026/) - Learn why diversification reduces risk and stabilizes returns. Discover how stocks, bonds, and gold together build a balanced, resilient portfolio.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/02/2026](https://humfauji.in/financial-cocktail-samosas/build-a-balanced-inflation-proof-financial-plan/) - Are guaranteed returns really safe? Learn inflation impact, weak rupee effects, DSOPF benefits, and how balanced investing helps protect and grow your wealth long term.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 07/01/2025](https://humfauji.in/financial-cocktail-samosas/nri-finance-wealth-preservation-estate-planning-in-india/) - Learn how NRIs can manage finances in India, invest smartly, preserve wealth, plan property transfer, and align tax decisions with long-term goals.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 21/01/2026](https://humfauji.in/financial-cocktail-samosas/beyond-pensions-retirement-succession-tax-planning/) - Retirement planning is evolving beyond pensions. Explore NPS reforms, flexible withdrawals, and smarter retirement strategies for long-term financial security.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 28/01/2026](https://humfauji.in/financial-cocktail-samosas/market-psychology-financial-habits-policy-changes-in-2026/) - Discover how investor psychology, financial habits, SIP discipline, and RBI policy changes in 2026 influence long-term wealth creation and financial outcomes.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/12/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-12-2025/) - Markets can’t be predicted, but behaviour can. Learn how discipline, SEBI nomination rules, women’s goal planning, and smart insurance build long-term wealth in 2026.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 17/12/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-12-2025/) - Are Indian Small-Caps in a Bubble Territory? If the past seven years were a movie, India’s small-cap stocks played the hero who suddenly shot to fame. Past 7 Years Between 2017 and end-2024, small-cap companies in India saw their total market value jump from ₹17 lakh crore to ₹92 lakh crore a nearly 5× increase.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 10/12/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-10-12-2025/) - How to Restructure Your Loan: A Guide to Loan Restructuring When life throws unexpected challenges—like a job loss, medical emergency, sudden salary cut, or a business slowdown—EMIs can quickly start feeling like a burden. Many people fear defaulting, but there’s a helpful option that often gets ignored: loan restructuring. Think of it as pressing the “reset”
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 03/12/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-12-2025/) - Making Your Investment Story a Winning One Every investor—new or experienced—has a story. Some stories begin with hesitation, some with excitement, and some with uncertainty. But the stories that truly shine share one thing in common: a clear sense of direction and of continuity with discipline. A winning investment story begins with purpose. Knowing why
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 26/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-11-2025/) - Money Matters: Essential Tips for Navigating 2025-26 Finances The new financial year is like a blank notebook—perfect for writing your money story right! Whether you’re just starting your career or have a few years under your belt, now’s the time to give your finances a quick health check. Following these tips can help Gen Z
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-11-2025/) - Registration vs. Mutation – What’s the Difference? Buying or selling a property? You’ll come across two key steps: Registration and Mutation. They may sound alike but serve different purposes. Let’s break it down! Registration is the legal proof that you own the property. When you buy a property, you must register it with the government.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-11-2025/) - Broke to Boss: Journey from Debt Disaster to Financial Freedom Imagine this: you're trapped in a maze. Every twist and turn, there's a grinning green gremlin demanding cash. Sound familiar? Well, those gremlins are called debts, and let's face it, they're no fun. Step 1: Mapping the Maze First things first, grab your trusty notebook
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-10-2025/) - Insurance Just Got Cheaper – Here’s How the GST Cut Helps You Good news for everyone paying insurance premiums – your wallet just got a little lighter! From 22nd September, the government has removed GST (earlier 18%) on life and health insurance premiums. 👉 What is GST? It’s a tax called Goods and Services Tax,
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 29/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-08-10-2025/) - A Pessimist Never Gets Rich When it comes to money, being careful is smart. But being too negative can silently hurt your wealth. If your first thought is always “What if the market crashes?” or “What if I lose it all?”, chances are that you’ll keep your savings sitting idle and never let them grow.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 05/11/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-11-2025/) - Understand RBI’s latest policy, the 50/30/20 budgeting rule, and how RBI’s UDGAM portal helps reclaim forgotten money. Expert insights by Hum Fauji Initiatives.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 17/09/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-09-2025/) - Preserve Growth, Access Liquidity: All About Loan Against Mutual Funds Ever found yourself needing urgent cash but hesitated to sell your mutual fund investments due to good returns, tax considerations and fear of losing compounding? That’s where Loan Against Mutual Funds (LAMF) steps in — your silent financial lifesaver. What is LAMF? LAMF lets you
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/08/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-08-2025/) - Single vs Multi-Factor Funds: Which Strategy is Right for You? When it comes to investing, it's not just about picking good stocks—it’s also about choosing the right strategy. One smart way to invest is through factor-based investing. This method selects stocks based on certain traits (called factors) that have been proven to give better results
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 09/07/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-07-2025-2/) - Plan your legacy wisely, avoid disputes, save taxes & protect wealth. Plus, smart tips on ITR, real estate sales & tax-saving with property reinvestment.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 16/07/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-16-07-2025/) - Why doing nothing might be smart for your money! Learn how patience, SIPs & long-term investing beat panic. Plus, smart tips for retirees & beginners.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 4/06/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-4-06-2025/) - The Hidden Delays in Health Insurance: A Guide to Waiting Periods Buying health insurance? Great move! But before you expect full coverage, there’s one thing you must understand—the waiting period. A waiting period is the time after buying a policy during which certain claims cannot be made. It helps ensure fairness and prevents misuse of
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 28/05/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-28-may-2025/) - Bank FDs: Comfort Trap or Smart Choice? Did you know over 50% of Indian households still park their money in Bank Fixed Deposits (FDs)? Bank FDs have long been the go-to for conservative investors. But are they still the smart choice today—or are you holding on to outdated beliefs? Let’s uncover the truth behind some
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 21/05/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-14-05-2025/) - Stay informed on tariffs, market emotions, & smart giving. Hum Fauji helps you invest wisely, stay calm, and plan tax-efficient donations.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 14/05/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-21-05-2025/) - Simplify finances with Hum Fauji Initiatives—insurance, investments, tax, retirement, & more under one roof for armed forces families.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 30/04/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-04-2025/) - Falling FD Rates: Time to Reconsider Your Fixed Income Strategy Remember when Fixed Deposits (FDs) were the go-to choice for safe returns? That’s changing. With the RBI cutting its key interest rate from 6.25% to 6%, banks are likely to lower FD rates too. So, what does this mean for you? Let’s say your FD
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 23/04/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-23-04-2025/) - Smart financial moves for 2025–26: tips on investing, taxes, loans, insurance & debt management—tailored for Gen Z and armed forces officers alike.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 16/04/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-16-04-2025/) - Registration vs. Mutation – What’s the Difference? Buying or selling a property? You’ll come across two key steps: Registration and Mutation. They may sound alike but serve different purposes. Let’s break it down! Registration is the legal proof that you own the property. When you buy a property, you must register it with the government.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 09/04/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-04-2025/) - Smart portfolio tips, global investing for NRIs, China vs India insights, and mutual fund TDS explained—navigate wealth-building with clarity and confidence.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 26/03/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-03-2025/) - Market dips, SIP strategy, emotional investing, and inherited FD taxation—get smart insights to stay invested and grow your wealth the right way.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19/03/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-03-2025/) - AI in markets, smart budgeting, climate-proofing homes, and tax-free land compensation—your must-know financial insights for smarter, safer money moves today.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/03/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-03-2025/) - Gen Z wealth hacks, gold investment shifts, insurance riders decoded, and tax tips for retirees—your smart guide to financial fitness in a changing world.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 05/03/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-02-2025-2/) - Turn volatility into opportunity, avoid SIP mistakes, and learn crucial NRI tax rules—discover how informed moves can protect and grow your wealth smartly.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 26/02/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-02-2025/) - Compare tax regimes, weigh active vs. passive investing, understand estate vs. succession planning, and learn key tax risks in under-construction property deals.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19/02/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-02-2025/) - Beat decision fatigue, avoid costly money mistakes, understand interest rate shifts, and learn how NRIs can benefit from rupee moves—your smart money guide is here!
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/02/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-02-2025/) - Life Insurance: The One Thing You Don’t Want to Think About Until You Absolutely Have To Let’s be honest—thinking about life insurance isn’t exactly exciting. It’s like planning your own funeral—who wants to do that? But here’s the catch: life insurance isn’t for the person who is buying it; it’s for their family. Did you
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 5/02/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-5-02-2025/) - Teach kids investing, debunk finance myths, explore safe Corporate FDs, and get smart mutual fund tips—insights from Hum Fauji for your financial journey.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 30/01/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-01-2025/) - Millennials, Gen Z & single women: Start early on retirement & wealth planning. Plus, tips for securing specially-abled children’s futures with Hum Fauji.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/01/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-01-2025/) - India’s $5T dream, smart investing in volatility, term insurance tips & NRI solutions—expert insights from Hum Fauji Initiatives for financial success.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/07/2025](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-07-2025/) - How NRIs Can Cut Taxes on Indian Income Are you an NRI earning from India? Here’s a smart move: you can reduce or even eliminate taxes on your Indian income — legally and easily! If you live outside India for 183+ days a year, you qualify as an ‘NRI’. That brings you some powerful benefits:
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 31.12.2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-31-12-2024/) - Financial Detox: Start Fresh in 2025 - Cleanse Your Finances Like You Cleanse Your Body Ready to reset your finances for 2025? Like a body detox revitalizes your health, a financial detox can clear the clutter and put you in control of your money. Follow these six steps to simplify, save, and achieve your goals:
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19.12.2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-12-2024/) - Why Tax-Free Bonds Are a Smart Addition to Your Fixed Income Portfolio Imagine an investment where you earn interest without paying any tax on it. Sounds amazing, right? That’s what Tax-Free Bonds offer! When governments need funds to build roads, schools, or public infrastructure, they issue these bonds. Here’s why they could be a perfect fit for your portfolio:
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11.12.2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-12-2024/) - New Rules, New Game: Understanding the SME IPO Transformation The SME (Small & Medium Enterprises – ie, the smaller companies) IPO market in India is buzzing with activity! With 745 companies and a combined market cap of ₹2 lakh crore, it has expanded rapidly. But with rapid growth come challenges. SEBI, the market regulator, is
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/12/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-04-12-2024/) - Why Your Neighbour’s Portfolio Isn’t Your Ticket to Riches You’re at a lively dinner party. Your neighbour is passionately recounting how their portfolio ‘doubled in a year’ thanks to a hot stock tip which they dutifully followed. Tempting, right? But before you chase their success story, here’s something to think about—what works for them might
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 27/11/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-11-2024/) - Looking To Prepay Your Home Loan? Here’s All You Need to Know About Prepayment Costs and Options! Prepaying a home loan can be a smart financial choice. It allows you to save on interest and pay off your debt faster. You can save money on your home loan if you pay it partially or completely
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 20/11/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-20-11-2024/) - Young, Wild, and Free – But Still You Should Have a Will Living your best life often means enjoying the moment, chasing dreams, and savouring the freedom of youth. But did you know that creating a Will is a smart move for even the young and carefree too? Think of a will as a "future-proof" plan. It’s
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/10/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-10-2024-2/) - Turn Festive Lights into Financial Might: Boost Your SIPs this Diwali! 'Diwali ka tyohaar' means new beginnings, and what better way to celebrate than by securing your financial future? Just like we say "Diya jalao, andhera mitaao," why not light up your wealth with a Systematic Investment Plan (SIP)? Whether you’re starting fresh or increasing your SIPs,
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 02/10/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-02-10-2024-2/) - Interest Rate Cuts: What They Mean for You and how can you benefit from them Interest rate cuts are significant economic tools employed by central banks to stimulate growth. When central banks across the world reduce interest rates, as they’ve started now, they’re trying to boost the economy. But what does this really mean for
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 13/11/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-13-11-2024/) - The Global Chessboard: How Geopolitical Moves Impact Supply Chains and Currency Values You’ve probably heard stories of people striking it rich overnight through futures and options trading. It sounds exciting, right? Ever wonder how global conflicts impact your wallet? Let’s break down how geopolitical tensions – trade wars, political instability, and regional conflicts – ripple
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 06/11/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-06-11-2024/) - You’ve probably heard stories of people striking it rich overnight through futures and options (F&O) trading. It sounds exciting, right? But here’s the truth: a recent study by SEBI reveals a different reality. Between 2022 and 2024, over 1 crore traders in India lost a jaw-dropping ₹1.81 lakh crore! 91% of Traders Face Losses —
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/10/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-10-2024/) - Turn Festive Lights into Financial Might: Boost Your SIPs this Diwali! 'Diwali ka tyohaar' means new beginnings, and what better way to celebrate than by securing your financial future? Just like we say "Diya jalao, andhera mitaao," why not light up your wealth with a Systematic Investment Plan (SIP)? Whether you’re starting fresh or increasing your SIPs,
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 09/10/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-10-2024/) - Nurturing Young Investors: Fun Ways to Teach Kids About Money In a world that’s moving faster than ever, giving our kids a head start in understanding money is a real superpower! Imagine turning everyday moments into fun financial lessons that can set them up for a lifetime of success. Here are some engaging strategies to
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 02/10/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-02-10-2024/) - Interest Rate Cuts: What They Mean for You and how can you benefit from them Interest rate cuts are significant economic tools employed by central banks to stimulate growth. When central banks across the world reduce interest rates, as they’ve started now, they’re trying to boost the economy. But what does this really mean for
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 25/09/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-25-09-2024/) - Breaking Down the Latest Peer-to-Peer Lending Regulation Changes The Reserve Bank of India’s (RBI) recent guidelines on Peer-to-Peer (P2P) lending platforms have brought the P2P industry to a standstill. These rules introduced several immediate changes, forcing many P2P platforms to overhaul their systems to comply. Say Goodbye to Quick Withdrawals: No more easy exits from P2P
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 18/09/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-18-09-2024/) - The Intersection of Insurance and Risk Management: Your Guide to Financial Security In today’s fast-paced world, managing risk is essential for keeping your finances secure. Whether it’s about protecting your family or your assets, understanding how to manage risks and use insurance is key. What is Risk Management? Risk management means identifying potential risks, assessing
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/09/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-09-2024/) - Choosing the Right Health Insurance: A Quick Guide When it comes to protecting your health and finances, health insurance is an absolute game-changer! But with so many options, what should you look for in a policy? Here’s a quick guide to help you choose the right plan, packed with all the must-have features to keep
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 05/09/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-09-2024/) - Beyond the Piggy Bank: Smart Investment Options for Kids Securing your child’s future is every parent’s top priority, and with so many investment options available in India, it can be challenging to choose the right one. Here are five smart choices to help build a solid financial foundation for your child: Mutual Funds (MF)- Investments for
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 28/08/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-28-08-2024/) - Are Your Gifts Tax-Free? Here's What You Need to Know! Gifts can be a wonderful way to express love, appreciation, or generosity. However, there's a financial aspect to consider: Gift Tax. Gifts received from specified relatives are exempt from income tax, regardless of the amount. However, gifts from non-relatives or non-specified relatives are subject to
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 21/08/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-21-08-2024/) - Home owners rejoice: LTCG indexation of real estate returns The 2024 Union Budget has introduced significant changes in how long-term capital gains (LTCG) from real estate transactions are taxed, bringing a mixed bag of implications for homeowners and investors. The Key Changes: 1. No More Indexation Benefits: If you buy a property after July 23, 2024, you
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 16/08/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-16-08-2024/) - Sebi's High-Risk, High-Reward Asset Class In an exciting move, the Securities and Exchange Board of India (SEBI) is set to introduce a new investment option for those who are ready to take on a bit more risk in their financial journey. This new asset class is designed for investors looking for higher returns, offering something
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 07/08/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-07-08-2024/) - Sell or Hold? Decoding the Signals to Exit Your Mutual Fund Investments Investing isn't just about knowing when to buy; knowing when to sell is equally crucial because that is when the profits or gains reach you physically. Emotional reactions can lead to costly mistakes, like premature selling during short-term gains or panic selling during
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 31/07/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-31-07-2024/) - Democratizing Dalal Street: The Rise of India's New Age Investor Remember when the stock market felt like an exclusive club for the wealthy and the suited? Those days are long gone. India is experiencing a seismic shift, driven by a new generation of investors taking Dalal Street by storm. Empowered by technology, this army of
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/07/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-07-2024/) - NRIs & Taxes Don't Get Caught Out! Your Guide to Filing ITR Navigating the Indian tax system as a Non-Resident Indian (NRI) might feel overwhelming, but don't worry—we're here to help make it easier for you! Understanding your Income Tax Return (ITR) filing requirements is essential to avoid penalties and ensure your financial journey is
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 17/07/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-07-2024/) - Sensex at 80,000: A milestone worth celebrating or a worry for investors? The Sensex reaching 80,000 is big news! It shows the Indian economy is booming, with companies doing well and investor confidence high. However, for investors, this milestone brings both opportunities and potential concerns. Let’s break it down. Reasons to Celebrate Economic Growth: A high Index
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/07/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-07-2024/) - Understanding Tax Filing: Simplified Guide Filing your Income Tax Return (ITR) can seem daunting with all the new terms and abbreviations. Let’s try and break it down to a simpler understandable language. Key Terms to Know Assessment Year (AY): This is the year when your income from the previous year is reviewed for taxes. For instance,
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 03/07/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-07-2024/) - The SIP Frequency Dilemma: Is More Really the Merrier? Imagine standing at the shore, watching the waves. The ocean, like the stock market, is always in motion with small ripples and large swells. Think of your investments as a surfer catching these waves. Should the surfer ride every wave or wait for the bigger, predictable
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 26/06/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-06-2024/) - Unlock Big Savings: Smart Home Loan Strategies Ready to save big on your home loan? Here are five easy strategies that anyone can use to cut costs and pay off their loan faster. 1. Keep Loan Tenure as Short as Possible. The shorter your loan tenure, the lesser interest you'll pay overall. While your monthly payments will
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19/06/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-06-2024/) - IRDAI's latest Health Insurance Reforms: What They Mean for You The Insurance Regulatory and Development Authority of India (IRDAI) has introduced significant changes in health insurance regulations, aiming to make policies more accessible and beneficial for everyone. Here’s how these changes can help you: Wider Coverage: Age No Bar: Health insurance companies can no longer deny
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/06/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-06-2024/) - Dream, Plan, Go: Just a bit of planning can take you places! The sweltering heat of summer signals one sure thing: It’s vacation time! Making sure that you have this vacation time every year (or even twice a year!) seems a daunting task, given so many demands on your budget and what you earn. But let us
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 05/06/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-06-2024/) - Is it lawful to use Streedhan to settle a husband's debt? Streedhan refers to the gifts and property that legally belong to a woman and are received before, during, and after her marriage. This includes jewellery, cash, property, and any other valuable items given by her husband, parents, relatives or in-laws. Under the Hindu Succession Act
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 30/05/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-05-2024/) - Decoding the Dynamics: Stock Markets and GDP Growth You might think that if the economy is doing well, and as everybody’s saying that our GDP is growing pretty well, the stock market should be soaring too, right? Well, it’s not that simple. Let’s break it down. What’s GDP Anyway? GDP, or Gross Domestic Product, measures
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 15/05/2024](https://humfauji.in/financial-cocktail-samosas/unlocking-global-mobility-the-mystery-behind-tax-residency-certificates-for-nris/) - Unlocking Global Mobility: The Mystery Behind Tax Residency Certificates for NRIs Ever heard of Double Taxation? It's like paying for your burger, or Dosa for that matter, twice—ouch! But fear not, countries have a solution: Double Taxation Avoidance Agreements (DTAAs). They make sure you're only taxed once. Enter the hero: Tax Residency Certificate (TRC). It's like your passport
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/05/2024](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-05-2024/) - Balance your investment buffet: Add a healthy dose of stability to a portfolio with Bonds Imagine your investment portfolio as a delicious buffet. You've got all the exciting stuff - stocks in companies you believe in, maybe dash of cryptocurrency for some spice. Believe it or not, bonds are the broccoli of your investment buffet,
- [Financial Cocktail Samosas Bitesized Money Morsels For YOU 05/05/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-05-2021-2/) - Are you a victim of your own Confirmation bias? Confirmation bias’ might sound like a psychology mumbo-jumbo but do you know that it might actually be hampering your investments from performing? We often hear things like – ‘I’m comfortable investing in SBI Mutual Fund because SBI is India’s largest bank and has Govt’s backing’, without
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 27/03/2024](https://humfauji.in/financial-cocktail-samosas/why-is-patience-important-in-investing/) - Mindful spending is the practice of consciously evaluating our purchases to ensure they align with our values, goals, and priorities. It involves being aware of our spending habits, understanding the motivations behind our purchases, and making intentional decisions that reflect our true desires and aspirations.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/04/2024](https://humfauji.in/financial-cocktail-samosas/from-small-coins-to-college-funds/) - From Small Coins to College Funds Remember those days of collecting small coins, only to devour them in a sugary frenzy? Let's face it, teaching kids about finances can feel just as fleeting. But fear not, parents! We can transform those fleeting candy moments into a foundation for future financial superstars. Here's the trick: Make it
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 10/4/2024](https://humfauji.in/financial-cocktail-samosas/the-art-of-doing-nothing-how-not-reacting-can-boost-your-wealth/) - Think beyond just making money. ESG investing acknowledges how a company's actions impact the environment, society, and even its own governance. Imagine if your investments could not only bring you financial gains but also contribute to a better world.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 13/03/2024](https://humfauji.in/financial-cocktail-samosas/five-financial-lessons-from-ramayana/) - Excessive portfolio churning, keeping returns as the sole aim in mind and forgetting consistency of good returns, may result in the loss of compounding benefits and unnecessary tax and exit load liabilities
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 06/03/2024](https://humfauji.in/financial-cocktail-samosas/which-one-is-more-cost-effective-monthly-or-annual-health-insurance-premium/) - In today's fast-paced world, convenience is the key. The insurance companies have started promoting monthly plans to make health plans affordable for all.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 23/02/2024](https://humfauji.in/financial-cocktail-samosas/lessons-of-investment-from-the-golf-course/) - As we navigate the ever-changing landscape of taxation in India's new regime, it's crucial to explore customized tax-saving strategies tailored to your individual financial situation.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 28/02/2024](https://humfauji.in/financial-cocktail-samosas/how-to-manage-rising-cost-and-protect-your-savings/) - Inflation and your wallet: How to manage rising cost and protect your savings Imagine you saved up for that dream vacation, only to find prices have skyrocketed, leaving your budget deflated like a beach ball after a long day. Inflation, the silent thief, lurks unseen but felt acutely in our wallets. As prices climb, our
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 10/01/2024](https://humfauji.in/financial-cocktail-samosas/journey-from-debt-disaster-to-financial-freedom/) - Due to the high level of safety offered by fixed deposits/debt funds, their returns are lower compared to the securities listed above. Equity has consistently outperformed inflation over the long run.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 17/01/2024](https://humfauji.in/financial-cocktail-samosas/ditch-the-resolutions-spark-a-financial-revolution-in-2024/) - In summary, gifting shares requires careful consideration of taxation nuances. The mode of transfer, holding period, and potential clubbing of income are vital factors to navigate when transferring investments to loved ones.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 07/02/2024](https://humfauji.in/financial-cocktail-samosas/navigating-market-turbulence-with-a-disciplined-approach/) - As per SEBI, 89% (i.e., 9 out of 10) individual traders in the equity F&O segment incurred losses, with an average loss of Rs. 1.1 lakh during FY21-22. Meanwhile, 90% of active (so-called knowledgeable) traders incurred average losses of Rs. 1.25 lakh during the same period.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 20/12/2023](https://humfauji.in/financial-cocktail-samosas/managing-wedding-budget/) - As the curtain falls on 2023 and the stage is set for the grand welcome of 2024, let's take a moment to indulge in a bit of financial nostalgia. Our pockets may be lighter from festive expenditures, but fear not! It is a good time to reflect on your financial journey.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 03/01/2024](https://humfauji.in/financial-cocktail-samosas/financial-well-being-in-relationships/) - ‘HFI Money Talks’ group on the Telegram app has 4000+ armed forces officers and their spouses discussing financial issues - community members ask questions, answer questions, discuss, debate, unlearn and learn, and become financially savvy with each other’s active participation.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 27/12/2023](https://humfauji.in/financial-cocktail-samosas/factors-affecting-fd-investments/) - Facing an Unexpected Expense? Don’t Raid Your Mutual Fund Investments! Life throws curveballs, but that doesn't mean sacrificing your long-term financial goals or disrupting the wealth creation path. Introducing Loan Against Mutual Funds (LAMF), your financial superhero that grants liquidity without selling your investments. Think of LAMF as a loan secured by your existing mutual
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 13/12/2023](https://humfauji.in/financial-cocktail-samosas/pizza-investing-info-sharing-kids-behaviour-qna-nominee/) - Remember, financial literacy is an ongoing process. By having open and consistent financial conversations with their children throughout their childhood, parents can help them make sound financial decisions and achieve long-term financial success.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 06/12/2023](https://humfauji.in/financial-cocktail-samosas/investing-a-rising-tide-that-lifts-all-boats/) - The stock market, while often seen as unpredictable and volatile, has consistently proven its ability to deliver significant returns for investors who adopt a long-term perspective. Read more here...
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 08/11/2023](https://humfauji.in/financial-cocktail-samosas/how-to-invest-in-your-childs-education/) - This weeks financial cocktail samosa, serves as a concise yet all-encompassing guide, offering invaluable financial micro bytes from Hum Fauji Initiatives' team. It covers critical areas including early financial planning for a child's education read more
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/11/2023](https://humfauji.in/financial-cocktail-samosas/risk-management-matters-in-futures-trading/) - Risk management is the continuing process of identifying, analyzing, evaluating, and treating loss exposures and monitoring risk control and financial resources to mitigate the adverse effects of loss.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/10/2023](https://humfauji.in/financial-cocktail-samosas/how-to-invest-for-retirement-during-recessionary-times/) - In the rapidly evolving landscape of personal finance, traditional banking is no longer the only option for borrowers and investors alike. Peer-to-Peer (P2P) lending platforms have emerged as innovations that connect people seeking loans or investment opportunities with those willing to lend or invest.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 18/10/2023](https://humfauji.in/financial-cocktail-samosas/embracing-stock-market-volatility/) - In the world of finance, few things evoke as much fear and anxiety as the term ‘stock market volatility’. But, it can be a valuable ally on your journey to financial growth—if approached with wisdom and strategy.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 25/10/2023](https://humfauji.in/financial-cocktail-samosas/how-to-reclaim-unclaimed-deposits-money-with-udgam/) - As per RBI, a staggering Rs.42,272 crores (as of March 2023) are lying idle in unclaimed bank deposits, i.e., savings and current accounts that have been lying dormant for 10 years. Tracking down misplaced or forgotten investments was, till now, akin to searching for a needle in a haystack. But thanks to modern systems like
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/10/2023](https://humfauji.in/financial-cocktail-samosas/how-to-claim-your-lost-money/) - As per RBI, a staggering Rs.42,272 crores (as of March 2023) are lying idle in unclaimed bank deposits, i.e., savings and current accounts that have been lying dormant for 10 years. Tracking down misplaced or forgotten investments was, till now, akin to searching for a needle in a haystack.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 27/09/2023](https://humfauji.in/financial-cocktail-samosas/what-should-investors-do-when-the-market-at-all-time-high/) - Market Hits All-Time High, What Should You Do With Your Investments? When the market hits an all-time high, it can be tempting to think that it's time to sell and take your profits. However, it's also important to remember that the market is cyclical, and there will always be ups and downs. It was always
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 20/09/2023](https://humfauji.in/financial-cocktail-samosas/retirement-investment-options/) - Investment options to consider after retirement As you approach retirement, it is important to start thinking about how you will generate income to support your lifestyle. Even if you’re getting a pension from any source, you could be looking at some additional money regularly. There are a number of investment options available to retirees, each
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 13/09/2023](https://humfauji.in/financial-cocktail-samosas/navigating-financial-realities/) - Good investing can be strenuous, but it does not have to be complicated with uncertainty and stress. Using the services of an investing professional can be a wise decision, providing a wide range of benefits to those seeking to safeguard their financial future.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 23/08/2023](https://humfauji.in/financial-cocktail-samosas/how-to-navigate-market-volatility/) - Volatility: a word often associated with uncertainty and unease in the realm of finance. Yet, did you know that this market rollercoaster can actually become a companion for those who understand its ways?
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 30/08/2023](https://humfauji.in/financial-cocktail-samosas/chasing-returns-financial-goals/) - In the dynamic world of investments, the spotlight often shines on returns. Investors naturally gravitate towards maximizing their gains, but amidst this pursuit, the significance of setting clear goals sometimes fades into the background.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 02/08/2023](https://humfauji.in/financial-cocktail-samosas/crush-your-debts-with-the-smart-debt-avalanche-strategy/) - Crush Your Debts with the Smart Debt Avalanche Strategy Are you on a mission to pay off your loans faster while saving a ton of money in the process? Well, say hello to the debt avalanche strategy – a game-changing debt repayment method that can make your financial dreams a reality. So, what exactly is the
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 09/08/2023](https://humfauji.in/financial-cocktail-samosas/simplifying-your-financial-checklist-before-moving-abroad/) - Simplifying your Financial Checklist Before Moving Abroad Are you gearing up for an exciting adventure abroad? As you plan your new journey, don't forget to put your financial matters in order. Here's a simplified checklist designed with your needs in mind, presented in an easy-to-understand manner: 1. Bank Accounts: Streamline Your Finances: Before your move, make
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 16/08/2023](https://humfauji.in/financial-cocktail-samosas/mind-over-money-how-your-brain-influences-investment-decisions/) - Mind Over Money: How Your Brain Influences Investment Decisions As your trusted financial advisor, we understand that investing can sometimes feel overwhelming, particularly if you have no prior financial experience. Today, we'd like to throw some light on a crucial investing topic that frequently goes unnoticed: the influence of your brain on your investment decisions. Why
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 20/07/2023](https://humfauji.in/financial-cocktail-samosas/health-cover-and-maternity-cost/) - Health Cover and Maternity Cost According to a health survey by the National Statistical Office in 2017-18, 9 out of 10 women delivered a child in a hospital. Moreover, C-Section deliveries have risen in the past decade. 26% of the deliveries in Government hospitals and 56% in urban private hospitals are by C-Section. The survey
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/07/2023](https://humfauji.in/financial-cocktail-samosas/should-you-invest-in-mid-and-small-cap-funds/) - Should you invest in micro-cap funds? Micro-cap funds have been in the spotlight ever since Motilal AMC recently launched its micro-cap index fund, which comprises the top 250 companies beyond the NSE 500 companies. These companies are the 501st to 750th largest companies in the country as per market capitalization. While these companies may have
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 07/06/2023](https://humfauji.in/financial-cocktail-samosas/common-mistakes-to-avoid-while-filing-itr/) - Common Mistakes to Avoid While Filing ITR IT return filing can be overwhelming for an average taxpayer. Not surprisingly, mistakes are committed while filing the ITR. Discussed below are some common mistakes that you should avoid during IT return filing. 🟢 Incorrect ITR Form - There are seven ITR forms based on the type of income
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 31/05/2023](https://humfauji.in/financial-cocktail-samosas/investment-for-future-planning/) - Good Money Habits To Teach Your Child Teaching good money habits to children can be vital for their financial future. If they grow up without these habits, they may end up mismanaging their money because of inadequate inputs on ‘money behaviour’. Here are some ways to impart money lessons to your children that will help
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 21/06/2023](https://humfauji.in/financial-cocktail-samosas/key-things-to-know-before-filing-your-income-tax-returns/) - It’s an All-Time High for the Past, Not for the Future The stock market is the device for transferring money from the impatient to the patient, said Warren Buffet. An investor often faces a dilemma in both trends of the market. When the market goes down, it creates anxiety to save capital from erosion, and
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 14/06/2023](https://humfauji.in/financial-cocktail-samosas/a-guide-to-successful-investing/) - Should You Increase the Credit Limit on Your Credit Card? You often get messages and calls from your bank asking you to increase the credit limit for free. Let's see if you should do so? Pros of Increasing Credit Card Limit: 🟢 Lower Credit Utilization Ratio: Increasing your credit limit can lower your credit utilization ratio, which
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 08/06/2023](https://humfauji.in/financial-cocktail-samosas/tips-for-women-investors-to-start-investing/) - Do’s Are OK but Don’t Lose Out on Don’ts!! A diabetic patient complained to his doctor about his deteriorating condition despite taking all the prescribed medicines. The Doctor was surprised and enquired further about the patient’s eating habits. It came out that the patient was very fond of ‘Motichoor ka laddoo’ and it was a
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 24/05/2023](https://humfauji.in/financial-cocktail-samosas/fear-and-greed-two-behavioural-traits-that-lead-to-wrong-investments/) - Fear and Greed: Two Behavioural Traits That Lead to Wrong Investments ‘Fear and greed’ are the biggest drivers for investment decisions of most people but can often lead to poor outcomes. Here's how these two behavioural traits can impact investment decisions negatively: 1) Fear: Fear-driven investment decisions are typically characterized by a strong aversion to risk
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 17/05/2023](https://humfauji.in/financial-cocktail-samosas/delaying-investments-or-delaying-meeting-your-financial-goals/) - Delaying Investments or Delaying Meeting Your Financial Goals? “काल करे सो आज कर, आज करे सो अब!” – Sant Kabir This part of the famous Doha fits perfectly when it comes to investments. People think that a few years of delay in their investments will not make any big difference and they can catch up
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 10/05/2023](https://humfauji.in/financial-cocktail-samosas/some-of-the-top-tax-saving-options/) - Top Tax Saving Options Other Than 80C When it comes to tax-saving investments, most people are familiar with Section 80C of the Income Tax Act. However, there are several other options available that can help you save on taxes. Here are some of the top tax-saving options other than 80C: 1) Health Insurance Premium: Premiums paid
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 03/05/2023](https://humfauji.in/financial-cocktail-samosas/gold-is-back-in-action-should-you-buy-now/) - How Inheritance in the Absence of a Will Works? What is yours today will be someone else’s tomorrow, underlines the core philosophy of the Bhagavad Gita. Religious texts apart, inheritance or passing on of legacy for both tangible and intangible assets to your chosen ones, is a stark reality of life. Dealing with the loss
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 26/04/2023](https://humfauji.in/financial-cocktail-samosas/financial-services-industry-outlook/) - 2023 - A Year of Financial Opportunities Let’s take a ride back a year or two - the world was upside down and whatever worst you could think of had happened in terms of geopolitics, inflation, and interest rates. Think of any bad news and it happened in 2020-22. Despite this, the financial markets were
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 19/04/2023](https://humfauji.in/financial-cocktail-samosas/how-to-plan-your-finance-for-new-financial-year-2023-24/) - Key Changes That May Impact Your Finances In New Financial Year 2023-24 The start of a new financial year is a good time to reassess your finances and look into possible improvements that can help you save tax and maximize your wealth. The season of increments is about to begin. While higher pay is always
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 12/04/2023](https://humfauji.in/financial-cocktail-samosas/what-is-an-esg-fund-and-how-does-it-work/) - As Climate Fears Mount, What’s in for ‘ESG’ Funds? With sustainability taking strategic importance in the current operating environment, ESG (Environmental, Social and Governance) has become quite a buzzword in Indian as well as global markets. What is an ESG Fund and how does it work? ESG funds, also known as sustainable or socially responsible
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 05/04/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-04-2023/) - Gold is in the news again at 60,000+ levels It is well-known that Gold as an asset class moves inversely to the equity markets. Whenever equity markets behave erratically, investors rush to Gold and vice versa. Same scenario is being experienced currently too. Due to uncertainty around the globe – war, Oil prices, banks going
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 17/03/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-03-2021/) - Time to invest and get double indexation benefits If you are planning to make a lump sum investment in a secure investment product, you may consider looking at safe debt mutual funds or Fixed Maturity Plans (FMPs) at this juncture. Investing in such avenues at the end of a financial year, for a duration slightly
- [Financial Cocktail Samosas Bitesized Money Morsels For You 12/05/21](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-05-21/) - Loss Aversion Bias – are you fearful of all bad things that will not happen! Have you heard the famous dialogue - ‘Jo Darr gaya so Marr gaya’. It is rightly said that ‘Fear of losing is more than the pleasure of Gaining’. Loss aversion can significantly impact our own decisions and lead to bad
- [FINANCIAL COCKTAIL SAMOSAS Dated 16/06/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-dated-16-06-2021/) - Feeling left out in the Bitcoin-mania? ‘I’ve been thinking about bitcoins for last many days but not able to decide whether I should go for in for it or not. I’m planning to just invest some money into Bitcoins or other cryptocurrencies. Bitcoin has made lots of people rich and has delivered very impressive returns
- [FINANCIAL COCKTAIL SAMOSAS Dated 09/06/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-dated-09-06-2021/) - Why debt mutual funds will always score over traditional safe avenues like FDs? Every one of us understands Bank FDs and maybe even Corporate FDs. But most of us have no idea about Debt Mutual Funds (MFs) which also operate in the safe investing space while giving you a host of advantages which any FD
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 26/08/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-08-2021/) - New Bank Locker Rules This one is taken straight from a Whatsapp forward – useful to most of us: The RBI has issued revised guidelines on how banks should operate their safe deposit lockers, which enhances transparency for customers. This guideline is in continuation to a Supreme Court Bench asking RBI to frame uniform rules
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 11/08/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-08-2021-2/) - Is Inflation just a number that only economists talk about? Diesel and petrol prices are increasing on a daily basis and this will result in inflation. Besides increase in logistics and transportation costs related to essential items, inflation also burns a hole in the common man's pocket by bringing down real return from investments. Typically,
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 05/08/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-08-2021/) - Why you never make money through the stocks tips you get on SMS or 24X7 TV Channels When you have an ailment, where do you go to? A doctor or a chemist? Investing based on recommendations of a SMS or TV Channels is just like approaching a chemist shop for treatment instead of a Doctor.
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 28/10/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-28-10-2021/) - Home loan interest rates are at all-time low. What to do? A home loan is probably the biggest liability one takes on in his/her lifetime. It is also generally the loan with the longest tenure. And these loans are right now at an all-time low rate of interest across the country. Even if you are
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 20/10/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-20-10-2021/) - Hope you have your tax planning worked out ‘Money saved is money earned.’ Insurance, Investments and retirement planning are crucial aspects in an individual’s life. In order to promote a culture of being insured, educated and having a secured post retirement life, the Govt has introduced various tax deductions as incentives. Most common tax deductions
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 13/10/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-13-10-2021/) - Don’t succumb to the FOMO – it’s not worth it! Stock markets are running high and going higher with each passing week. You have not yet got in at all or committed ‘enough’ money, and you’re feeling miserable with all those bragging in your Whatsapp or other social media groups about the huge gains made!!
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 25/11/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-25-11-2021/) - Bonds as safe investment avenues Bonds are safe and lucrative investment avenues which investors are not generally aware of. Some popular bonds available in the markets are: A bond is a fixed income instrument carrying a rate of interest and is issued for a fixed tenure similar to a FD. Sovereign Gold Bond adds ‘Gold' to
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 17/11/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-11-2021/) - Do you need to worry about current low returns in debt funds? Winters are approaching and we all have started taking out our woolens and packing the cotton clothes. But do you really consider cotton clothes as irrelevant and throw them away in the winters? We know it’s a very funny question to pose and
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 10/11/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-10-11-2021/) - Being always invested in the highest rated fund may not be a good idea Car companies keep launching new models with minor advancements to compete with each other and many-a times just to create a hype around their brand. But as a customer, do you keep on changing your self-owned cars with the same frequency?
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 03/11/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-11-2021/) - AIS (Annual Information Statement) - an initiative by Income Tax Dept There is an existing statement called ‘Form 26AS’ which gives out details of all taxes deducted for a tax assessee during a financial year. The IT Dept has now introduced a much more elaborate statement called AIS which has many more details included -
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 29/12/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-29-12-2021/) - The ideal gift for your cute little daughter! What Is SSY? Sukanya Samriddhi Yojana (SSY) is a small deposit scheme for a girl child, launched as a part of the 'Beti Bachao, Beti Padhao' campaign so that the education and marriage of every Indian girl is taken care of. Key points of the scheme:-
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 22/12/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-12-2021/) - Are the good ‘ol NSC and KVP worth investing in current era? With a literal explosion of financial products on the Indian investment landscape currently, while many investors have started exploring ‘new’ investment avenues, there are many who are still sticking to the traditional post office products. Let’s talk about two traditional investment products, NSC
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 16/12/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-16-12-2021/) - Tax on sale of mutual funds can be saved if you’re buying a house!! Do you know that if you sell your mutual funds for some requirements or for the purpose of balancing your portfolio, you can save your long-term capital gains (LTCG) tax by investing in a residential house or flat, effectively getting you
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 14/12/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-14-12-2022/) - Common Mistakes to Avoid While Doing SIPs Undoubtedly, SIPs of mutual funds are one of the best investment avenues to create wealth with a long-term vision as it provides financial discipline to your investments. But, while investing through SIPs, we often do some mistakes. Here are the common mistakes that one should avoid while doing
- [Financial Cocktail Samosas Bitesized Money Morsels For You, 27/01/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-01-2022/) - How to have Real Estate income without its headaches? Investing in real estate has never been easy. While owning a piece of land, house, an office or commercial property does cater to everybody’s innate desire to have physical real estate, it has a lot of headaches which accompany it without an invitation. Lack of trust
- [Financial Cocktail Samosas Bitesized Money Morsels For You, 19/01/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-for-you-19-01-2022/) - TDS deducted even when your income is less than the taxable limit? So, your yearly income is less than Rs 2.5 Lakhs a year. You have some FDs whose interest is included in this amount. Tax rules say that you do not need to pay any income tax. But the bank still deducts a TDS
- [Financial Cocktail Samosas Bitesized Money Morsels For You 12/01/22](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-for-you-12-01-2022/) - Insurance and Investment – Don’t mix Socks and Shoes, कड़ी-चावल are good combination for Indians but insurance and investment is not. Insurance is meant to cover the risk and investment is meant to create wealth. So, Insurance is Insurance and Investment is Investment, and the two should never meet! Both risk cover and returns are
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 24/02/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-02-2022/) - Doing Nothing is also a Great Strategy Let’s take a Scenario from the world of professional football where a goalkeeper is about to face a penalty kick. Should he anticipate and dive to the left or to the right just before the ball is struck, or should he stand still in the hope that either
- [Financial Cocktail Samosas Bitesized Money Morsels For You, 17/02/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-02-2022/) - Do you need more life insurance cover? ‘Rs.1 crore term plan @ just Rs 490 per month’ is advertised multiple times a day highlighting Bollywood star ‘Akshay Kumar’ in Policy Bazaar advertisements. Term plan is a type of life insurance policy that provides coverage for a certain period of time or a specified ‘term’ of
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 10/02/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-10-02-2022/) - Positive Pay system – Upgraded security of your high amount cheques Making payments through cheque has been an easy and convenient way to do transactions especially for those who are not very comfortable with digital and online banking. Consequently, a lot of transactions are still made every day through cheques. With this high volume of
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 04/02/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-04-02-2022/) - Investing in National Pension Scheme for availing tax deductions - Is it worth it? National Pension Scheme (NPS) has become famous amongst armed forces community for providing additional tax deduction of Rs 50,000 (that is a yearly tax saving of Rs 15,000 per year in 30% tax bracket) under 80CCD(1b) apart from Rs 1.5 lacs
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 23/03/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-23-03-2022/) - Let your family members reduce your tax! Have you ever thought about it - your family can help you reduce your tax liability... We've all noticed that towards the end of each financial year, there's a rush among taxpayers to invest in various tax-saving instruments but we should also know that there are some other
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 16/03/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-16-03-2022/) - Cryptocurrency, Blockchain, and Artificial Intelligence (AI) are changing the world. Should the Cryptos be in your portfolio? In the current era of digitalization, cryptocurrencies, blockchains and artificial intelligence have been a hot topic. Blockchain technology has taken over the FinTech business. This new innovative technology is best recognized for powering cryptocurrencies, which have recently received
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 09/03/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-03-2022/) - Are you ready for a long retirement? You must’ve wondered whether you would be able to live your life to the fullest after retirement? Along with this might be a worry whether you will have sufficient money to do all that which you want to do and/or could not do while in service. While armed
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 27/04/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-04-2022/) - What Not to Do with Your Retirement Funds? Today we are back with a discussion on some common pitfalls that we should avoid to safeguard our retirement future. Let’s discuss it. 1) Wrong investment decisions and increased tax burden: Retirement is not the end of the tax troubles of your active earning days. You may still
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 20/04/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-20-04-2022/) - Why Does Your Portfolio Require Regular Review and Maybe Rebalancing? Most of us do a lot of research, and take advice and suggestions from various sources – financial advisors, financially savvy friends, news channels, newspapers, etc - before investing. Nobody wants to take any chances with their hard-earned money. However, once invested, we take a
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 13/04/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-13-04-2022/) - The 50-30-20 Rule of Monthly Expenses From reducing your expenses to rethinking your investments, there is always a simple thumb rule at hand which helps you plan well without much complexities The 50-30-20 rule of spending and saving, popularised by Senator Elizabeth Warren in her book ‘The Ultimate Lifetime Money Plan’, simply asks you to
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 06/04/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-06-04-2022/) - Inflation – the Termite for your corpus Inflation is something we face daily, but we don't take it seriously enough to consider how it influences our financial lives. Whenever we go out to buy groceries or any necessity, we get lesser quantity over the years with the same money – this is inflation hitting us
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 26/05/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-05-2022/) - Income Tax Hacks You Didn’t Know and Can Use Just like pleasant weather soothes everybody and a pleasant smile attracts everyone, pleasant tax planning saves you money. Today we will look out for some easy tax-saving hacks that we can use. Smart Tax Saving Hacks for Individuals Almost everybody is aware of certain exemptions and
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 19/05/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-05-2022/) - Withdraw from where - DSOPF, FDs or MFs - when Money is required? This is always a tough decision to make and we should go back to our basics of why we invested in a particular investment avenue in the first place. DSOPF is a long-term Provident Fund (PF) and is to be taken out
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 04/05/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-04-05-2022/) - FOMO – The Most Dangerous Investing Emotion to Have! The most difficult challenge that a financial planner faces from a client is handling his fear of missing out (FOMO). When colleagues or friends boast of windfall profits in the stock markets or cryptocurrencies like bitcoin, it can cause one to feel envious, dissatisfied with your
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 15/06/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-15-06-2022/) - Should You Choose Physical Gold or Digital Gold for Investment? Gold has traditionally been a favourite investment option among Indians. Once upon a time, the only way to buy gold was to get it in its physical form, but as time has passed, better venues have emerged. Physically holding gold presents certain challenges, such as
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 09/06/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-06-2022/) - Should We Exit from International Funds? International funds, ie the mutual funds which invest in the stock markets of other countries, are negative in most of the portfolios. In some cases, this negative downside is quite significant. Should you exit then, so as to limit your losses? Before taking such a decision, let us look
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 27/07/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-07-2022/) - Is ‘tax loss harvesting’ worth it? There are many times when we experience a notional capital loss in the stock markets. This form of loss is the simplest but painful because it gives a feeling of losing something. You decide to end the pain if there seems to be no end in sight and sell
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 21/07/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-21-07-2022/) - Get High on Wine Tasting In India, HNIs and connoisseurs have been investing in wine for years now. And in many cases, tidy packets of money has been made if invested with due diligence, knowledge and care. You like wine and hence you think you should invest in it too? Not a good enough reason.
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 13/07/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-13-07-2022/) - The Many Dangers of Social Influencer-led Investing Social media lends itself to strongly held opinions since it is typically shadow-boxing. From COVID to cricket to investments, people are so certain of themselves, often with very less basis. What do these social media monsters do? There is nothing new about their activities – they are as
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 06/07/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-06-07-2022/) - Where is my Tax Refund? The income tax department usually processes a refund between 20 and 45 days after processing the ITR. In case the refund has been delayed, then you will get 0.5% per month interest on the amount due as refund with refund calculation done from 1st April of the Assessment Year till
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 24/08/2022](https://humfauji.in/financial-cocktail-samosas/bitesized-money-morsels-for-you-24-08-2022/) - The Future of Money – Will Physical Money Disappear? Are we heading for a cashless future? Not very long ago, a cashless society was something we would only read about in fantasy books. However, living in a fully cashless society could actually become a reality the way the world is moving. Digital payments are now
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 17/08/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-17-08-2022/) - What Phase of Retirement are you in? Retirement entails more than just giving up your 9 to 5 job. You should be ready for each of the four stages of retirement. The Anticipation Phase is the initial stage, which really covers the 7-10 years before retirement. It is characterised by enthusiasm and optimism about the
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 10/08/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-10-08-2022/) - Important lessons in Investing Investing is all about financial management, valuations, and managing oneself. Identifying the DNA of an asset class is the key to successful investing. Following lessons in investing are very important and needs to be learned as early as possible in our investment journey: - Growth is good, but not at any cost: No
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 03/08/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-14-07-2022/) - Should you become an investor or a stock trader? The adrenaline flow resulting from trading stocks minute-to-minute or day-to-day, or having black-red-blue-green complicated-looking charts open on the computer terminal, have always created a lure for stock trading over patient stock investing. Media, websites, influencers, 24X7 investing TV channels and even whatsapp group conversations have fanned
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 14/09/2022](https://humfauji.in/financial-cocktail-samosas/bitesized-money-morsels-for-you-14-09-2022/) - The Family Route to save Income Tax! "Families Are the Compass That Guides Us, Inspires us, and Comfort us When We Falter". There are certain ways in which the family framework can be legally used to lower tax liability. We will give three of them below: 1. Paying Rent to Parents: Salaried individuals can save tax
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 01/09/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-09-2022/) - Don’t Buy Retirement Home at the Wrong Time? Buying a home for yourself is almost always an emotional decision. But it also is one of the biggest purchases we do in our lives. Do consider the following relevant points if you decide to buy a house very early in your career to prevent making an
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 27/10/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-10-2022-2/) - Make the Most of the High Interest Rates RBI’s actions have ripple effects on every aspect of your financial life, influencing how much you’re charged to borrow and how much you earn when saving. Even though red-hot levels of inflation has pushed up our monthly expenses, some investors have reasons to smile. Here are a
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 27/10/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-27-10-2022/) - Always Pay Yourself First Have you ever heard about the ‘Pay Yourself First’ strategy? It is a classical strategy which means that you should treat your savings as you do your living expenses — your savings is to be considered as a bill that you must pay, and this bill is to be paid before
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 20 /10/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-10-2022/) - Make the Most of the High Interest Rates RBI’s actions have ripple effects on every aspect of your financial life, influencing how much you’re charged to borrow and how much you earn when saving. Even though red-hot levels of inflation has pushed up our monthly expenses, some investors have reasons to smile. Here are a
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 06/10/2022](https://humfauji.in/financial-cocktail-samosas/9245-2/) - 5 Common Investment Mistakes You Should Avoid Five sure-shot mistakes almost all investors make, and would do well to avoid, are:- Exiting Winners early and sticking to Losers: Suppose I have a choice of riding in Two boats. Boat A is strong, consistent and has traveled the sea through many rough weathers. Boat B is fancier
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 24/11/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-11-2022/) - Best Monthly Income Scheme for You There are three factors to be considered before investing for getting any monthly income: Awareness of your needs and requirements – do you really need that extra money? Liberty to withdraw extra chunk at the time of any emergency that could come unannounced. Inflation which always eat up your
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 09/11/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-11-2022/) - Safeguarding Property Rights of Senior Citizens We have often seen parents transferring their property rights to their children or other kith and kin to convey their love and blind faith in them, to avoid animosity amongst them while they are alive or to prevent inheritance disputes after their demise. Consequently, they become dependent on them
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 03/11/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-11-2022/) - The Seduction of Pessimism Pessimism isn't just more common than optimism. It also has a smarter sound. It's more interesting intellectually and is given more consideration than optimism. If you tell someone that everything will be wonderful, they will probably either ignore you or give a doubtful glance your way. You have their whole attention
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU,30/11/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-11-2022/) - Your Loved Ones May Not Know Where Your Money Is! We discuss everything with our family, from our everyday routines to other important life choices. We listen to their opinions on things like when to schedule a regular shopping trip or where to go on the vacation next. However, most people don’t involve their family in one
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 28/12/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-28-12-2023/) - I Am Settling Abroad. Should I Continue My Indian Investments? Col Amol Parekh has plans to settle down abroad after his retirement due soon. He has a few lakhs invested across various financial products here in India and wants to continue with his mutual fund SIPs including further contribution in future too. But he isn’t
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/12/2022](https://humfauji.in/financial-cocktail-samosas/9563-2/) - Are Target Maturity Funds (TMFs) Good for You? Why are TMFs in the limelight lately? RBI increased interest rates this year, which had been low for some time. With the inflation numbers coming under control, chances of serial rate hikes is now low. Probably, one or two nominal rate hikes in 2023 are going to
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 07/12/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-07-12-2022/) - When Do You Replace Your Current Loan With a New One? Technically called refinancing, paying off an existing loan and replacing it with a new one is done when you have another one available to you at better terms. Timing this refinancing properly makes a big difference to your loan payments. Here are the situations
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 25/01/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-25-01-2023/) - Common Mistakes Taxpayers Can Avoid While Saving Tax As the current financial year is coming to an end, we hope you are prepared to file your taxes. Most of us often overlook some of the key areas and end up doing certain mistakes while filing our ITR (Income Tax Return):- Not utilising the Section 80C
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 18/01/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-18-01-2023/) - ELSS - The Smart Way to Save Tax What if someone told you that you can save tax, create long-term wealth, save tax again on the wealth so generated and all this with much lesser lock-in period than ALL other tax saving options in one single investment avenue? Strange but true… Yes, you guessed it
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 11/01/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-12-2023/) - Exploring NPS Tier-2 as an Investment Option National Pension Scheme is a social security initiative by the Central Government. This market-linked scheme (investing in equity/stocks, corporate bonds and Govt bonds) encourages people to invest in a pension account at regular intervals during the course of their employment as an investment avenue for accumulating retirement corpus.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 04/01/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-04-01-2023/) - Factors To Consider Before Applying for an Education Loan Are you planning an expensive education for your child within India or abroad? As the cost of education is rising at a fast rate day by day, education loans have become one of the most viable options to finance higher education these days for most households.
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/02/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-02-2023/) - Universal Dilemma: Is it the right time to invest? Mango is the undisputed king of fruits but if you try to buy mango in the winter season, you won’t be able to get natural/tasty mangoes even after spending a huge amount for them. Does it mean that your fruit basket should remain empty or you
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 15/02/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-15-02-2023/) - Which Tax Regime for You After Budget 2023 – Old or New? The budget has been released with the introduction of big favourable changes to the new tax regime, further confusing the issue - which tax regime you should opt for now? Under the old tax regime, you were allowed to claim various deductions and
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 08/02/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-08-02-2023/) - How to manage Financial Anxiety in times of Crisis In recent years, global events such as the pandemic and high inflation rates have caused financial stress for many. However, it is important to understand that our certain habits and behaviours can contribute to this anxiety. To alleviate these concerns, disciplined investors must focus on what
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 01/02/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-02-2023/) - How to Claim Health Insurance Benefits Without Tears? While the importance of health insurance is well understood to most people, the process of claiming health insurance benefits still remains patchy. How you make a claim depends on which one out of the two types of health insurance claims are you making:- a) Cashless Claims for
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 09/03/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-09-03-2023/) - Key Things to Know About Loans Against Mutual Funds In case of any financial emergencies, you look out for existing savings or liquidate your investments even at the loss to meet the requirements. If it is still not enough, you also look for a loan. However, taking on an avoidable debt may not be the
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 02/03/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-02-03-2023/) - Money Mistakes Most of Us Make Over and Over What do I do to avoid making mistakes I have made all my life so far? Let’s see: The dynamics of future living including after retirement - It is very easy to support and finance oneself and family while earning, but keeping yourself well-funded when not in
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 22/03/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-03-2023/) - Bought the Wrong Insurance? Correct It Now Life insurance helps secure the livelihood of one’s near and dear ones in the case of one’s untimely demise. This aspect also makes it an emotional product and investors frequently end up buying the wrong type of life insurance. Broadly, life insurance is of 3 types: Endowment /
- [Financial Cocktail Samosas: Bitesized Money Morsels For You, 29/03/2023](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-29-03-2023/) - Key financial things to do earliest now As the new financial year 2023-24 approaches, you may have already started planning your investments to achieve your financial goals. But before we dive into the new financial year, it is necessary to complete certain tasks at the earliest now, maybe before 31st March 2023, to ensure maximum
- [How to accumulate money for child's higher studies?](https://humfauji.in/financial-cocktail-samosas/how-to-accumulate-money-for-childs-higher-studies/) - Say the child is 8 years old and the planning is for his/her graduation. Options available are DSOPF/PPF, bank FDs/RDs, Sukanya Samriddhi Yojana (for daughter only), and equity. While DSOPF/PPF are safe, tax-free and Govt backed, they earn low interest which may barely cancel out inflation over this long period of time. Bank FDs/RDs are
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 31/03/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-31-03-2021/) - It’s raining IPOs Those who are familiar with stock markets may be wondering why are so many companies lining up for the initial public offerings (IPOs). Well, the reason is the bull run that we are witnessing in the stock market right now. It is a dream for most companies to get listed on the
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 24/03/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-03-2021/) - Suspense on DSOPF and PPF Accounts taxation is off now All of you must’ve heard yesterday’s news about clarity on the taxation of yearly subscription to DSOPF and PPF accounts. In both of these modes of investing, contributions up to Rs 5 Lakhs per year (Rs 41,666/- per month) is tax exempt from 1st April
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 24/02/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-24-02-2021/) - Did you know you can get tax deduction against interest payment on car loan? If you are planning to buy a new car, you may consider different electric vehicles available in the market. Not just because it is environment friendly, but also because it offers tax benefits. Yes you heard it right, tax benefits in
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 21/04/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-21-04-2021-2/) - Not yet received your tax refund? Check the status. The deadline to file Income tax return for the financial year 2019-20 ended on 31 Dec 2020. Typically, the income tax department processes the refund within 2 weeks to 3 months from the date of filing the return. However, if you have not yet received it,
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 15/04/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-15-04-2021/) - The name is Bond, Ghaziabad Municipal Green Bonds! Do you know about the recently listed Ghaziabad Municipal Corporation’s green bonds on the BSE Bond platform? At a time when fixed deposits and other debt instruments are offering less than 7% per annum, this bond is offering an interest rate of 8.1% per annum. Through private
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 09/12/2020](https://humfauji.in/financial-cocktail-samosas/bitesized-money-morsels-for-you-09-12-2020/) - Mutual funds—how much does it cost? Many of you may not be aware of how mutual fund companies earn profits, pay its expenses or pay to distributors. Obviously, it’s a business so all these come from customers or clients; in this case it is you—the investors. To know how much a mutual fund scheme charges
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 07/07/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-07-07-2021/) - Emergency Fund – your all-time saviour Covid scenarios have made a lot of us realise the importance of having some ready-money available at all times at hand for contingencies. This is what an emergency fund actually is, as advocated by all good financial planners, which everybody needs to have before anything else financially is really
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 07/04/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-07-04-2021/) - CBDT notified new ITR Forms for AY 2021-22 The financial year 2020-21 is over and the central board of direct tax (CBDT) has already notified income tax return (ITR) forms for the assessment year 2021-22. Similar to last year, this year also there are seven ITR forms, with minimal changes, for filing of returns. Applicability
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 06/10/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-06-10-2021/) - Should you get out of your safe investments and get into equity now? Markets have far exceeded their fundamentals and is ripe for corrections which is expected any time now. It doesn’t mean that everything is lost and the markets will crash or won’t rise again. Considering the wide-spread ongoing economic development in the country,
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 01/09/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-09-2021/) - Don’t let Recency Bias distract you Last year in April 2020, when the markets had gone down, some people were almost ready to sell off all their equity holdings due to the market downturn. Our conversations with some of them revealed that many in their friends and family circles actually went ahead and sold-off their
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 29/06/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-29-06-2022/) - Should You Go for Alternate Investments? Fixed deposits, gold, stocks, mutual funds, and government schemes are the most common investment tools for most of the people. But, do you know that there is a whole world that exists outside of these products too? These are Alternate Investments. What are Alternate Investments? As the name suggests,
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 22/06/2022](https://humfauji.in/financial-cocktail-samosas/bitesized-money-morsels-for-you-22-06-2022/) - Will Your Planning Be Good Enough to Let Your Child Study in a Good College? Every parent wants to provide the best education for their children. However, the high cost of education in private institutions and the higher rate of inflation in the educational sector make it difficult for many parents to do it comfortably.
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 02/03/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-02-03-2022/) - Monitoring your credit score has become important now Planning on taking a loan? Want to make sure it is approved and processed quickly? Looking for a loan at a lower interest rate? Then make sure your CIBIL score is good. What is this new animal - CIBIL? We'll attempt to explain it to you. CIBIL
- [FINANCIAL COCKTAIL SAMOSAS BITESIZED MONEY MORSELS FOR YOU, 01/06/2022](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-06-2022/) - How to Manage Your Money Better When Inflation Rises? You will have noticed how the price of your favourite dishes in the restaurant you visited last year has gone up over time. That’s how inflation impacts you in real life. You are required to pay more for the same goods and services than you were
- [Financial Cocktail Samosas Bitesized Money Morsels For You 28/04/21](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-28-04-21/) - Can people other than salaried claim deduction against house rent? A lot of people stay on rent and you may know that salaried individuals can claim a deduction in the form of house rent allowance (HRA) against rent paid. However, what for those who don’t have HRA as their salary component or for that matter,
- [Financial Cocktail Samosas Bitesized Money Morsels For You 05/05/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-05-2021/) - Are you a victim of your own Confirmation bias? Confirmation bias’ might sound like a psychology mumbo-jumbo but do you know that it might actually be hampering your investments from performing? We often hear things like – ‘I’m comfortable investing in SBI Mutual Fund because SBI is India’s largest bank and has Govt’s backing’, without
- [FINANCIAL COCKTAIL SAMOSAS: BITESIZED MONEY MORSELS FOR YOU, 08/12/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-08-12-2021/) - Do you know about this 'must-have' insurance? The ongoing pandemic has highlighted the importance of having a good and adequate health insurance cover. Changing lifestyles, poor dietary habits, working pressures etc, have taken a toll on everyone’s health. Fortunately, most of the armed forces families have unlimited life-time health insurance which has stood them in
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 03/03/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-03-2021/) - Don’t forget to clear 100% of your advance tax liability by 15 March Financial year is coming to an end and you need to comply with a few stipulated taxes related rules. One that is approaching now is the fourth and last instalment of advance tax for the financial year (FY) 2020-21 and it is
- [Financial Cocktail Samosas:  Bitesized money morsels for YOU, 10/03/2021](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-10-03-2021/) - Home loan interest rates are at all time low The downward trend of home loan interest rate has brought it to as low as 6.7% per annum, that means an EMI of approximately Rs 882 per lakh of home loan with tenure of 15 years. So, if you opt for Rs 50 lakh of home
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 02/12/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-02-12-2020/) - Why is tax deducted or collected at source (TDS and TCS) Often when you earn any income, you don’t get it in full - the payer deducts a part of it as TDS. Similarly, when you make some payment or transfer sometimes (like sending more than Rs 7 Lakhs abroad in a financial year), TCS
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 25/11/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-25-11-2020/) - Equity-linked savings schemes - shortest lock-in period among all tax savings instruments While discussing different aspects and factors related to investing for tax savings, we have noticed that long lock-in periods turn most people reluctant to invest in tax saving instruments. However, Equity-Linked savings scheme (ELSS) have the shortest lock-in period of 3 years. These
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 18/11/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-18-11-2020/) - Consider claims settlement ratio before buying a term insurance policy In most cases we need to make people understand why there is a need to have adequate life insurance cover. But, at the same time, there are many who come to us and say that they want life insurance policy, but don’t know how to
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 11/11/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-11-11-2020/) - Cut-Off timings for Mutual Fund transactions Let me tell you something which is not that relevant, but may be interesting for you to know. Unlike share prices, a mutual fund net-assets value (NAV) does not fluctuate throughout the day. Once the share market closes, the closing value of each share available under the scheme is
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 14/10/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-14-10-2020/) - Home loans are expected to get cheaper further The recent monetary policy review of the Reserve Bank of India has been an interesting one. While the RBI has not directly cut rates, it has taken some significant steps that could result in loans becoming cheaper. One such step is reducing capital allocation against home loans
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 28/10/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-28-10-2020/) - Give an investment as a gift to your kin The time of the year has come when you try to spend your energies to identify thoughtful gifts for your loved ones. The gift packs with chocolates and sweets have long back turned into jokes and memes. Have you thought of giving an investment as a
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 30/09/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-09-2020/) - Mutual funds are characterized based on the market capitalization of stocks they invest in While discussing which funds to invest in, you might have noticed us using words like large cap, mid-cap and small cap mutual funds schemes. Actually, mutual funds schemes are categorized based on various yardsticks and one of them is market capitalization
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 03/09/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-03-09-2020/) - Mutual funds - truly a tax efficient investment avenue A rupee saved is a rupee earned; that’s why, it is very important to choose a tax efficient instrument while making an investment decision to enhance your returns. Mutual fund (MF) schemes are one such investment products which are very tax efficient compared to other investment
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 26/08/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-26-08-2020/) - The name is bond, Perpetual Bond... After bank Fixed Deposits (FDs), bonds are the next most preferred investment avenue by many Indians. Normally, a bond is for a fixed tenure, after which the bond can be redeemed by the bond holder. Till the tenure comes to an end, the bond gives a fixed return, which
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 19/08/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-19-08-2020/) - Do you know why you should opt for Zero-Dep cover while buying car insurance policy If you have ever made a claim against your car insurance policy, the service centre might have asked you to pay a part of the bill out of your own pocket, if ‘Zero-Dep’ cover was not there. This is because
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 12/08/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-12-08-2020/) - You’ve sold a house - how to save tax on the capital gains? If you are among those lucky people who have made a fortune by selling an ancestral house or property that was bought long back, be ready for the pain of paying large tax on the fortune. But, wait a bit! Hope you
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 05/08/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-05-08-2020/) - Income Tax Return (ITR) for the Financial Year (FY) 2018-19 can be filed till 30th September 2020 If you have not filed your income tax return (ITR) for the financial year (FY) 2018-19 because of any reasons, don’t worry you can file a belated return till 30 September 2020. This is the third time that
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 30/07/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-30-07-2020/) - Three different ways to transfer money online from your Bank Banking transactions have become very easy, convenient and quick. Gone are the days when you needed to go to banks, fill forms and stand in queues for a simple work. Now you can do almost all the bank related work through your mobile or computer.
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 08/07/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-08-07-2020-2/) - Practice these investment asanas 'International Day of Yoga' is celebrated on 21 June every year, since the United Nations General Assembly has declared the day as the special day dedicated to Yoga in 2014. The decision came after considering the proposal made by Prime Minister Narendra Modi for the same. We all know that Yoga
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 22/07/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-22-07-2020/) - Fund of Funds, your route to investing Globally Many of you might be using an iPhone to browse your social media account on Facebook and searching on Google while watching a Netflix movie as also side-by-side ordering on Amazon. When it comes to buying personal use items or using many services, we prefer foreign brands
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 15/07/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-15-07-2020/) - Don’t let Recency Bias distract you 'In January 2020, when the Indian equity markets were at all-time high, many of our investors wanted a review of their portfolios with the aim of increasing their equity exposure. Two months later in March, some people were almost ready to sell off all their equity holdings due to
- [Financial Cocktail Samosas: Bitesized money morsels for YOU, 01/07/2020](https://humfauji.in/financial-cocktail-samosas/financial-cocktail-samosas-bitesized-money-morsels-for-you-01-07-2020/) - Is Inflation just a number or affects you too? Diesel and petrol prices are increasing on a daily basis and this will result in inflation. Besides increase in logistics and transportation costs related to essential items, inflation also burns a hole in the common man's pocket by bringing down real return from investments. Typically, most
- [Your Investment Portfolio Has Been Put In The Bat](https://humfauji.in/financial-cocktail-samosas/your-investment-portfolio-has-been-put-in-the-bat/) - An investment portfolio is like a cricket team put in to bat in a test match. In cricket, the selectors pick up individual players based on their past performance and the need to make a balanced team. Similarly, for preparing a good portfolio, we need to put in funds that have different characteristics and perform
- [Does Corona Virus Affect Your Investments?](https://humfauji.in/financial-cocktail-samosas/does-corona-virus-affect-your-investments/) - Lots of investors are worried about the way stock markets are going down across the world and the future of their investments due to this virus. The previous virus outbreak of this scale was the SARS virus in 2003, but the circumstances were different then markets across the world had been suppressed for quite some
- [Will You Get Rs 5 Lakhs If A Bank Holds Up?](https://humfauji.in/financial-cocktail-samosas/will-you-get-rs-5-lakhs-if-a-bank-holds-up/) - The latest budget increased the ‘insurance’ on your bank deposits to Rs 5 Lakhs. Have you wondered what is it and what has been increased? In simple words, if any commercial scheduled bank decides to call it a day, you are assured by the RBI that you will get Rs 5 Lakhs or your amount
- [Best Monthly Income Scheme for You](https://humfauji.in/financial-cocktail-samosas/best-monthly-income-scheme-for-me/) - Large number of retired officers keep asking us about avenues for getting tax-efficient monthly income. Having considered almost all available avenues like real-estate (residential or commercial) rent, POMIS (Post Office Monthly Income Scheme), SCSS (Senior Citizens Savings Scheme), monthly interest from bank FDs etc, we find that the Systematic Withdrawal Plans (SWP) of Debt Mutual
- [Tax concessions that your home Loan gives you.](https://humfauji.in/financial-cocktail-samosas/tax-concessions-that-your-home-loan-gives-you/) - Home loan tax concessions are available only after house is constructed and possession taken. If house is sold while under construction, no tax benefit available. Conversely, if home loan closed anytime earlier but possession still taken, benefits are available for interest paid. Interest: No deductions for EMIs or Pre-EMIs for interest till the construction is
- [Sukanya Simridhi Yojna](https://humfauji.in/financial-cocktail-samosas/sukanya-simridhi-yojna/) - SSY is a scheme only for a girl child from birth till 10 years of age. A minimum of Rs 1000 and maximum of Rs 1,50,000 is the limit in each financial year. Launched in 2014 at 9.10% interest rate, it now offers 8.1%. Deposits in SSY are exempted under Section 80C while the interest
- [Tax Benefit Available on HRA](https://humfauji.in/financial-cocktail-samosas/tax-benefit-available-on-hra/) - HRA is given to an employee when he/she lives in rented residential premises. Contrary to popular perceptions, HRA is neither fully taxable nor fully non-taxable. Income Tax Act Section 10(13A) provides for HRA tax exemption. The tax deduction will be the lowest of the following, ie, following would be the exempt part of HRA while
- [Should I repay my Home Loan?](https://humfauji.in/financial-cocktail-samosas/should-i-repay-my-home-loan/) - All the loans are typically front-loaded. Most of the interest of the entire loan is taken in the first half of the loan period. So if you’re towards fag end of the loan, do not prepay. The net interest rate comes out lower if you have possession of the house due to tax benefits on
- [Should I go in for DSOPF again when I take re-employment?](https://humfauji.in/financial-cocktail-samosas/should-i-go-in-for-dsopf-again-when-i-take-re-employment/) - DSOPF is a provident fund (PF). The tax rules, applicable to all PFs, whether Govt. or private, clearly lay down that withdrawals from PFs, partial or complete, are tax-free only if the PF is invested into for a minimum of 5 years. When you retire, your previous DSOPF account is closed and a new account
- [Should I commute my pension or not?](https://humfauji.in/financial-cocktail-samosas/should-i-commute-my-pension-or-not/) - Commutation or no commutation should be decided more by your future likely requirements and not by just gut feeling or just because what your friend is doing. If you’re likely to need bulk money in future – children’s major educational requirements or marriage, house construction or major house renovation, desire to travel extensively, wanting to
- [Money Thought for the Week: Mutual Funds and Cricket work the same way!](https://humfauji.in/financial-cocktail-samosas/money-thought-for-the-week-mutual-funds-and-cricket-work-the-same-way/) - One must learn patience and consistency from Rahul Dravid (THE WALL) – ‘A true Gentleman’ of the Gentleman’s game. Imagine Shoaib Akhtar or Bret Lee bowling at a speed of 150+ KMPH and Rahul Dravid simply leaving the outgoing ball, with the bowler completely frustrated! Leaving the bouncers and out swingers are also a part
- [Invest in Your Wife'S Name And Save Tax](https://humfauji.in/financial-cocktail-samosas/invest-in-your-wifes-name-and-save-tax/) - Query: I want to invest in my wife’s name since she doesn’t pay tax (or is in lower tax bracket). Is it OK? Hum Fauji: If it is your money (salary, retirement corpus, some earnings exclusive to you etc) and you invest in your wife’s name, the gains arising from investments will be clubbed with
- [Home Loan Truths](https://humfauji.in/financial-cocktail-samosas/home-loan-truths/) - Home loan strikes a big cord with people: with small monthly investments you create a big asset and get good tax savings. Is that the complete truth? If you take a loan of Rs 50 Lakhs at current 8.3% interest rate for 15 years for a 70L house, you will pay an EMI of Rs
- [Do I need any Life Insurance Post my Retirement?](https://humfauji.in/financial-cocktail-samosas/do-i-need-any-life-insurance-post-my-retirement/) - Please understand that the basic aim of life insurance is to cater for financial needs of your surviving dependents in case something happens to you as bread winner of the house. In case you do not have anybody who is financially dependent on you and your earnings, you do not need ANY life insurance. A
- [Car Financing Dilemma? Loan Or Down Payment](https://humfauji.in/financial-cocktail-samosas/car-financing-dilemma-loan-or-down-payment/) - Query: I am planning to buy a car and have the required amount with me. Should I take a loan, invest my money and use the interest to pay the EMI? Hum Fauji: Car is a depreciating asset. If one buys a car, say, worth Rs 10 lakhs with loan for 5 years at 9.25%
- [Can Mutual Funds provide me a regular income if I want so?](https://humfauji.in/financial-cocktail-samosas/can-mutual-funds-provide-me-a-regular-income-if-i-want-so/) - For regular income from investments, for pension or just additional money per month, most of the people instantly think only of interest from bank FDs, insurance pension policies, the payouts of Senior Citizens Savings Scheme (SCSS), Post Office Monthly Income Scheme (POMIS) or Pradhan Mantri Vaya Vandana Yojana (PMVVY), little realising that these are low
- [Can I claim deducation for EMI Interest and Principal towards all my houses?](https://humfauji.in/financial-cocktail-samosas/can-i-claim-deducation-for-emi-interest-and-principal-towards-all-my-houses/) - For more than one house, any one house can be chosen as self-occupied while total of all rents will be treated as income for the year. If a non-self-occupied house is not rented, a notional rent, based on the rent that property is expected to normally fetch, is taxed. Interest portion of EMIs of all
- [Do Armed forces officers need civil Health Insurance?](https://humfauji.in/financial-cocktail-samosas/do-armed-forces-officers-need-civil-health-insurance/) - Many of the officers, serving or retired, have had some bad experience with military hospitals or ECHS and feel a private medical insurance will be better for them for a small annual premium to be paid. We do not agree with this due to the following: · A private hospital is a profit-making venture. You
- [How to accumulate money for child's higher studies?](https://humfauji.in/financial-cocktail-samosas/how-to-accumulate-money-for-childs-higher-studies-2/) - Say the child is 8 years old and the planning is for his/her graduation. Options available are DSOPF/PPF, bank FDs/RDs, Sukanya Samriddhi Yojana (for daughter only), and equity. While DSOPF/PPF are safe, tax-free and Govt backed, they earn low interest which may barely cancel out inflation over this long period of time. Bank FDs/RDs are

## Case Study

- [How HFI Structured a Home Loan Solution for an Indian Navy Commander’s Dream Residence](https://humfauji.in/case-study/home-loan-case-study-for-indian-navy-officer/) - Discover how Hum Fauji Initiatives structured a ₹50 lakh home loan for a retired Indian Navy commander despite age and NRI challenges. A real case study in smart financial structuring.
- [From Scattered to Structured Investments: Col Ramanand Ramdas Kamat’s Disciplined Journey with HFI](https://humfauji.in/case-study/structured-wealth-planning-with-hum-fauji-initiatives/) - Col Kamat transformed scattered investments into a clear, goal-driven financial plan with HFI, gaining trust, structure, and long-term clarity.
- [Milestones with Meaning: How Brig Davis Poulose Transformed Family Goals into Long-Term Financial Security](https://humfauji.in/case-study/how-brig-davis-found-financial-security-with-hfi/) - Discover how Brig Davis Poulose partnered with Hum Fauji Initiatives to turn family goals into lasting financial security through trust and personalized planning.
- [HFI’s One World Advisory Services - How Col Arun Lal Found Clarity in Global Investing as an NRI](https://humfauji.in/case-study/how-nris-grow-wealth-globally-with-owas/) - Explore how Col Arun Lal achieved global financial growth with Hum Fauji Initiatives’ OWAS & NRI Advisory – transparent, disciplined, and stress-free investing.
- [Because Family Goals Deserve Clarity: How Hum Fauji Initiatives turned Col K Kiran’s Concerns into a Clear Financial Plan](https://humfauji.in/case-study/family-goals-with-clarity-col-k-kirans-journey-with-hfi/) - Discover how Hum Fauji Initiatives helped Col K Kiran and his family turn financial concerns into a clear, structured plan for education, security & future goals.
- [Staying Ahead of Inflation: Brig SDP Singh’s Journey with Hum Fauji Initiatives](https://humfauji.in/case-study/staying-ahead-of-inflation-brig-sdp-singhs-journey-with-hum-fauji-initiatives/) - Read how Brigadier SDP Singh secured a stress-free retirement with Hum Fauji Initiatives through trusted guidance, planning, and steady growth.
- [A Decade of Trust and Growth: Col Shailendra Shukla’s Journey with Hum Fauji Initiatives](https://humfauji.in/case-study/a-decade-of-trust-and-growth-col-shailendra-shuklas-journey-with-hum-fauji-initiatives/) - Discover Col Shukla’s 10-year journey with Hum Fauji Initiatives, transparent, personalized, and empowering financial planning for armed forces veterans.
- [Personalised Wealth Building with a Tax-Smart Approach: Col Pramod Bathla’s Journey with Hum Fauji Initiatives](https://humfauji.in/case-study/personalised-wealth-building-with-a-tax-smart-approach-col-pramod-bathlas-journey-with-hum-fauji-initiatives/) - For Col Pramod Bathla, building a secure financial future meant finding the balance between long-term growth and tax efficiency. Like many veterans and serving officers, he was looking for a dependable financial partner who understood the unique needs of service personnel, and found that in Hum Fauji Initiatives. Seeking Growth with Tax Efficiency Col Bathla’s
- [From Fixed Deposits to Informed Investing: Maj Gen Rakesh Bassi’s Leap of Trust](https://humfauji.in/case-study/from-fixed-deposits-to-informed-investing-maj-gen-rakesh-bassis-leap-of-trust/) - Maj Gen Rakesh Bassi found trusted, transparent financial guidance with Hum Fauji Initiatives, turning his traditional savings into smart investments.
- [Guiding Financial Success like a Pro, Wing Cdr Deepak Bhasker’s Trusted Partnership with Hum Fauji Initiatives](https://humfauji.in/case-study/guiding-financial-success-like-a-pro-wing-cdr-deepak-bhaskers-trusted-partnership-with-hum-fauji-initiatives/) - Guiding Financial Success like a Pro,Wing Cdr Deepak Bhasker’s Trusted Partnership with Hum Fauji Initiatives With years of dedicated service in the Indian Air Force, Wg Cdr Deepak Bhasker understood the importance of meticulous planning and execution. That’s why, when it came to securing his financial future, he sought expert guidance for the planning and
- [How Happy Clients Become Advocates, Air Cmde Rohit Varma’s Experience with Hum Fauji Initiatives](https://humfauji.in/case-study/how-happy-clients-become-advocates-air-cmde-rohit-varmas-experience-with-hum-fauji-initiatives/) - Air Commodore Rohit Varma, a seasoned officer from the Indian Air Force, sought a structured and disciplined approach to investing—one that would allow him to manage his assets efficiently without the hassle of frequent reviews. Discovering Hum Fauji Initiatives His journey with Hum Fauji began when he came across an article about the firm’s commendable
- [Charting a Path to Financial Security - Dr Pratibha Garg’s Story with Hum Fauji Initiatives](https://humfauji.in/case-study/charting-a-path-to-financial-security-dr-pratibha-gargs-story-with-hum-fauji-initiatives/) - Discover how Dr. Pratibha Garg secured her financial future with Hum Fauji Initiatives through expert wealth planning and smart investment strategies.
- [An Indian Air Force veteran’s inspiring journey to Financial Freedom and Legacy from a self-described non-financial investor](https://humfauji.in/case-study/an-indian-air-force-veterans-inspiring-journey-to-financial-freedom-and-legacy-from-a-self-described-non-financial-investor/) - An Indian Air Force veteran's inspiring journey from a non-financial investor to achieving financial freedom and building a lasting legacy with expert planning.
- [Achieving Financial Goals with Trusted Wealth Planning & Portfolio Management, Col Abhishek Mamgain's Journey](https://humfauji.in/case-study/achieving-financial-goals-with-trusted-wealth-planning-portfolio-management-col-abhishek-mamgains-journey/) - Discover how Col Abhishek Mamgain achieved his financial goals with trusted wealth planning and portfolio management. A journey to smart investments & success.
- [From Aspiration to Results Dhananjay Sharma Achieved 30% Portfolio Growth in Two Years](https://humfauji.in/case-study/from-aspiration-to-results-dhananjay-sharma-achieved-30-portfolio-growth-in-two-years/) - Discover how Dhananjay Sharma achieved 30% portfolio growth in two years with expert financial planning from Hum Fauji Initiatives. Learn key wealth strategies!
- [Brig Nitin Khare’s Dream Home Realized Within 4 Years, a story of pursuing financial abundance with Hum Fauji Initiatives (HFI)](https://humfauji.in/case-study/brig-nitin-khares-dream-home-realized-within-4-years-a-story-of-pursuing-financial-abundance-with-hum-fauji-initiatives-hfi/) - Explore Brig Nitin Khare's journey to his dream home with Hum Fauji Initiatives (HFI). Start your path to financial success today.
- [Mrs Priya Sankalp  (A Transformative Financial Journey of Financial Freedom and Stability)](https://humfauji.in/case-study/armed-forces-financial-support-hum-fauji-initiatives/) - Transformative journey: grief to stability with Hum Fauji Initiatives. Expert support ensures armed forces families' financial security.
- [Cmde Aseem Anand (Retd) (An Abundant and Satisfying Retirement Planning journey)](https://humfauji.in/case-study/cmde-aseem-financial-journey-with-hum-fauji-initiatives/) - An abundant and satisfying Retirement with Hum Fauji Initiatives Cmde Aseem Anand (Retd) retired from the Navy on May 31, 2023, after an illustrious career spanning over 35 years of commissioned service. With a desire to secure a prosperous financial future, Cmde Aseem Anand began exploring investment opportunities. Trusting the reputation and expertise of Hum
- [Mr. Shravan Dhawan (Financial Well-being Case Study for Armed Forces Family Member)](https://humfauji.in/case-study/mr-shravan-dhawan/) - Enhancing Financial Well-being through Holistic Investment Planning Mrs Rina Dhawan, along with her son Mr. Shravan Dhawan, sought professional assistance in managing their substantial financial resources. Following the demise of Col Sanjay Dhawan, they were in possession of a significant corpus, insurance benefits, and other financial assets. The family's objective was to optimise their investments,
- [A Trusted Partnership with the promise of prosperity and abundance. Col Purushottam Shard’s Retirement Planning with Hum Fauji Initiatives](https://humfauji.in/case-study/col-purushottam-shard-successful-financial-partnership-hum-fauji-initiatives/) - Col Purushottam Shard (Retd) sought out Hum Fauji Initiatives (HFI) following his premature retirement from the Indian Army and subsequent transition into the corporate sector. He was in search of a reliable partner for sustainable investment and comprehensive financial planning. Col Shard discovered that HFI’s customer-driven, transparent and ethics-centric approach perfectly aligned with his retirement
- [Retirement Planning Case Study For An Indian Army Officer](https://humfauji.in/case-study/retirement-planning-case-study-of-an-army-officer/) - Discover how an Indian Army Colonel achieved financial security & peace of mind with Hum Fauji Initiatives as a trusted partner in retirement planning.
- [From Friends to partners in Financial Success:  Brig K P Rajan's Journey with Hum Fauji Initiatives – A Case Study](https://humfauji.in/case-study/brig-k-p-rajans-financial-journey-with-hum-fauji-initiatives/) - Once upon a time, in the spirited days of their NDA Khadakwasla cadet training, a strong bond of friendship was forged between K P Rajan and Sanjeev Govila. Little did they know that their camaraderie would extend beyond the military training grounds, military service and pave the way for a remarkable financial journey together much
- [Ms. Anita Mishra  (Armed Forces Family Member)](https://humfauji.in/case-study/ms-anita-mishra-financial-journey-with-hum-fauji-initiatives/) - Experience financial security with HFI. Trusted guidance, transparent processes, and long-term wealth creation. Connect now!

## Newsletter

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- [Newsletter - July Edition](https://humfauji.in/newsletter/newsletter-july-edition-2/)
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- [Newsletter March Edition](https://humfauji.in/newsletter/newsletter-march-edition/)
- [Newsletter – Novemeber Edition](https://humfauji.in/newsletter/newsletter-novemeber-edition/)
- [Newsletter – July Edition](https://humfauji.in/newsletter/newsletter-july-edition/)
- [Newsletter – August Edition](https://humfauji.in/newsletter/newsletter-august-edition/)
- [Newsletter - June Edition](https://humfauji.in/newsletter/newsletter-june-edition/)
- [Newsletter – October Edition](https://humfauji.in/newsletter/newsletter-october-edition/)
- [Newsletter – September Edition](https://humfauji.in/newsletter/newsletter-september-edition/)
- [Newsletter – December Edition](https://humfauji.in/newsletter/newsletter-december-edition/)
- [Newsletter – January Edition](https://humfauji.in/newsletter/newsletter-january-edition/)
- [Newsletter February Edition](https://humfauji.in/newsletter/newsletter-february-edition/)
- [Wealth Insignia](https://humfauji.in/newsletter/wealth-insignia/)

## Categories

- [Insurance](https://humfauji.in/category/insurance/)
- [Blog](https://humfauji.in/category/blog/)
- [Retirement Planning for armed forces Officers](https://humfauji.in/category/retirement-planning-for-armed-forces-officers/)
- [Investment Advice for Defense](https://humfauji.in/category/investment-advice-for-defense/)
- [army armed forces officers](https://humfauji.in/category/army-armed-forces-officers/)
- [Investment Advice for Defence Personnel](https://humfauji.in/category/investment-advice-for-defence-personnel/)
- [Retirement funds investment for Defence](https://humfauji.in/category/retirement-funds-investment-for-defence/)
- [Investments for Defense](https://humfauji.in/category/investments-for-defense/)
- [Armed forces](https://humfauji.in/category/armed-forces/)
- [Mutual Fund Investment for Defense](https://humfauji.in/category/mutual-fund-investment-for-defense/)
- [Houses for army officers](https://humfauji.in/category/houses-for-army-officers/)
- [Pension Advice to armed forces officers](https://humfauji.in/category/pension-advice-to-armed-forces-officers/)
- [Financial Planning for Defence Personnel](https://humfauji.in/category/financial-planning-for-defence-personnel/)
- [SIPs for Defense](https://humfauji.in/category/sips-for-defense/)
- [armed forces officers](https://humfauji.in/category/armed-forces-officers/)
- [Budget 2017- Detailed Analysis](https://humfauji.in/category/budget-2017-detailed-analysis/)
- [Hum Fauji Initiatives](https://humfauji.in/category/hum-fauji-initiatives/)
- [Budget - Detailed Analysis](https://humfauji.in/category/budget-detailed-analysis/)
- [Market update](https://humfauji.in/category/market-update/)

## Tags

- [6th Pay Commission arrears](https://humfauji.in/tag/6th-pay-commission-arrears/)
- [financial Planning for army Officers](https://humfauji.in/tag/financial-planning-for-army-officers/)
- [SIPs for armed forces officers](https://humfauji.in/tag/sips-for-armed-forces-officers/)
- [financial Planning for defence Officers](https://humfauji.in/tag/financial-planning-for-defence-officers/)
- [Wealth Management for armed forces officers](https://humfauji.in/tag/wealth-management-for-armed-forces-officers/)
- [Retirement Planning for armed forces Officers](https://humfauji.in/tag/retirement-planning-for-armed-forces-officers/)
- [Investment Advice for armed forces officers](https://humfauji.in/tag/investment-advice-for-armed-forces-officers/)
- [Investment Advice for army officers](https://humfauji.in/tag/investment-advice-for-army-officers/)
- [SIPs for army officers](https://humfauji.in/tag/sips-for-army-officers/)
- [Systematic Investment Plans for army officers](https://humfauji.in/tag/systematic-investment-plans-for-army-officers/)
- [ITR Filing](https://humfauji.in/tag/itr-filing/)
- [financial Planning for armed forces Officers](https://humfauji.in/tag/financial-planning-for-armed-forces-officers/)
- [Home Loan Changes in Budget 2017](https://humfauji.in/tag/home-loan-changes-in-budget-2017/)
- [houses for army officers AFNHB](https://humfauji.in/tag/houses-for-army-officers-afnhb/)
- [AWHO](https://humfauji.in/tag/awho/)
- [AFOWO](https://humfauji.in/tag/afowo/)
- [Home loan For army officers](https://humfauji.in/tag/home-loan-for-army-officers/)
- [SAVINGS](https://humfauji.in/tag/savings/)
- [INVESTMENTS AND INSURANCE](https://humfauji.in/tag/investments-and-insurance/)
- [Investments for armed forces officers](https://humfauji.in/tag/investments-for-armed-forces-officers/)
- [Portfolio Management for army officers](https://humfauji.in/tag/portfolio-management-for-army-officers/)
- [Real Estate](https://humfauji.in/tag/real-estate/)
- [Real estate for army officers](https://humfauji.in/tag/real-estate-for-army-officers/)
- [TO COMMUTE OR NOT TO COMMUTE PENSION](https://humfauji.in/tag/to-commute-or-not-to-commute-pension/)
- [pension planning for armed forces officers](https://humfauji.in/tag/pension-planning-for-armed-forces-officers/)
- [pension planning for army officers](https://humfauji.in/tag/pension-planning-for-army-officers/)
- [Pension Advice to defence officers](https://humfauji.in/tag/pension-advice-to-defence-officers/)
- [NPS Features and Benefits](https://humfauji.in/tag/nps-features-and-benefits/)
- [SIPs for Defense Personnel](https://humfauji.in/tag/sips-for-defense-personnel/)
- [financial Planning for Defense](https://humfauji.in/tag/financial-planning-for-defense/)
- [army](https://humfauji.in/tag/army/)
- [armed forces Officers](https://humfauji.in/tag/armed-forces-officers/)
- [FINANCIAL PLANNING FOR CHILDREN](https://humfauji.in/tag/financial-planning-for-children/)
- [Diversification of Your Investments](https://humfauji.in/tag/diversification-of-your-investments/)
- [Investments for Defense army armed forces officers](https://humfauji.in/tag/investments-for-defense-army-armed-forces-officers/)
- [Investment Advice for Defense](https://humfauji.in/tag/investment-advice-for-defense/)
- [Houses for army officers AFNHB AWHO AFOWO](https://humfauji.in/tag/houses-for-army-officers-afnhb-awho-afowo/)
- [EMI scenario of your home & other loans](https://humfauji.in/tag/emi-scenario-of-your-home-other-loans/)
- [Home Loan For armed forces Officers](https://humfauji.in/tag/home-loan-for-armed-forces-officers/)
- [FINANCIAL PLANNING FOR CHILDREN BY ARMED FORCES OFFICERS](https://humfauji.in/tag/financial-planning-for-children-by-armed-forces-officers/)
- [Concept of Financial Planning](https://humfauji.in/tag/concept-of-financial-planning/)
- [FINANCIAL PLANNING FOR THEIR CHILDREN BY INFANTRY OFFICERS.](https://humfauji.in/tag/financial-planning-for-their-children-by-infantry-officers/)
- [Taxation of House Rent Allowance](https://humfauji.in/tag/taxation-of-house-rent-allowance/)
- [ARE YOU INVESTING & MANAGING YOUR MONEY RATIONALLY](https://humfauji.in/tag/are-you-investing-managing-your-money-rationally/)
- [SELL YOUR HOUSE AT A GOOD PROFIT](https://humfauji.in/tag/sell-your-house-at-a-good-profit/)
- [Fixed Deposit](https://humfauji.in/tag/fixed-deposit/)
- [Budget 2017- Detailed Analysis](https://humfauji.in/tag/budget-2017-detailed-analysis/)
- [Budget 2017 - A Quick Listicle](https://humfauji.in/tag/budget-2017-a-quick-listicle/)
- [Budget 2017](https://humfauji.in/tag/budget-2017/)
- [Is financial Planning Only for the Rich](https://humfauji.in/tag/is-financial-planning-only-for-the-rich/)
- [SAFE RETURNS FOR RETIRED PEOPLE](https://humfauji.in/tag/safe-returns-for-retired-people/)
- [Hope You do not Fall Prey to these Investment Myths](https://humfauji.in/tag/hope-you-do-not-fall-prey-to-these-investment-myths/)
- [Investment Myths](https://humfauji.in/tag/investment-myths/)
- [Strategies for Managing a Fast Growing Company](https://humfauji.in/tag/strategies-for-managing-a-fast-growing-company/)
- [Hum Fauji Initiatives](https://humfauji.in/tag/hum-fauji-initiatives/)
- [Blog by Mrs.Bindu Govila](https://humfauji.in/tag/blog-by-mrs-bindu-govila/)
- [COO](https://humfauji.in/tag/coo/)
- [Income Tax Return Filing](https://humfauji.in/tag/income-tax-return-filing/)
- [Investments for the recently Retired in India](https://humfauji.in/tag/investments-for-the-recently-retired-in-india/)
- [Take a home loan intelligently!](https://humfauji.in/tag/take-a-home-loan-intelligently/)
- [Budget Implications](https://humfauji.in/tag/budget-implications/)
- [Rajiv Gandhi Equity Saving Scheme](https://humfauji.in/tag/rajiv-gandhi-equity-saving-scheme/)
- [RGESS](https://humfauji.in/tag/rgess/)
- [When Guardians of money become Looters](https://humfauji.in/tag/when-guardians-of-money-become-looters/)
- [Is Your Bank earning more on your money than You](https://humfauji.in/tag/is-your-bank-earning-more-on-your-money-than-you/)
- [Unexpected Windfall by Income Tax Tribunal for Sellers of House Property](https://humfauji.in/tag/unexpected-windfall-by-income-tax-tribunal-for-sellers-of-house-property/)
- [Are you an Investor or a Collector of Investments?](https://humfauji.in/tag/are-you-an-investor-or-a-collector-of-investments/)
- [Are you wasting your money in the wrong Insurance Policy](https://humfauji.in/tag/are-you-wasting-your-money-in-the-wrong-insurance-policy/)
- [Insurance](https://humfauji.in/tag/insurance/)
- [TAX-FREE BONDS](https://humfauji.in/tag/tax-free-bonds/)
- [Four Things to Remember about Sensex](https://humfauji.in/tag/four-things-to-remember-about-sensex/)
- [Never Ignore Stock Markets](https://humfauji.in/tag/never-ignore-stock-markets/)
- [Invest In stock market](https://humfauji.in/tag/invest-in-stock-market/)
- [safe investing](https://humfauji.in/tag/safe-investing/)
- [There’s much more to safe investing than Bank Fixed Deposits](https://humfauji.in/tag/theres-much-more-to-safe-investing-than-bank-fixed-deposits/)
- [Investing](https://humfauji.in/tag/investing/)
- [Saving Strategies that can go Awry](https://humfauji.in/tag/saving-strategies-that-can-go-awry/)
- [saving Strategires](https://humfauji.in/tag/saving-strategires/)
- [Financial Planning](https://humfauji.in/tag/financial-planning/)
- [Problems of Armed Forces officers](https://humfauji.in/tag/problems-of-armed-forces-officers/)
- [Lack of Financial Knowledge](https://humfauji.in/tag/lack-of-financial-knowledge/)
- [Early Start Good Planning will result in Good Future Ahead](https://humfauji.in/tag/early-start-good-planning-will-result-in-good-future-ahead/)
- [Early financial Planning benefits](https://humfauji.in/tag/early-financial-planning-benefits/)
- [Do you require a Financial Plan](https://humfauji.in/tag/do-you-require-a-financial-plan/)
- [financial Planning for Defense personnel](https://humfauji.in/tag/financial-planning-for-defense-personnel/)
- [A better alternative to Savings Bank account](https://humfauji.in/tag/a-better-alternative-to-savings-bank-account/)
- [Liquid Funds](https://humfauji.in/tag/liquid-funds/)
- [Why Mutual Fund investors usually end up on the Losing Side](https://humfauji.in/tag/why-mutual-fund-investors-usually-end-up-on-the-losing-side/)
- [Mutual Fund investors](https://humfauji.in/tag/mutual-fund-investors/)
- [Home Loan may not be so beneficial now](https://humfauji.in/tag/home-loan-may-not-be-so-beneficial-now/)
- [How Budget 2017 affects you](https://humfauji.in/tag/how-budget-2017-affects-you/)
- [Budget](https://humfauji.in/tag/budget/)
- [Investing in Debt through Mutual Funds](https://humfauji.in/tag/investing-in-debt-through-mutual-funds/)
- [Mutual funds](https://humfauji.in/tag/mutual-funds/)
- [What returns to expect from Debt Mutual Funds](https://humfauji.in/tag/what-returns-to-expect-from-debt-mutual-funds/)
- [Debt mutual fund](https://humfauji.in/tag/debt-mutual-fund/)
- [Popular myths of Mutual Fund Investing](https://humfauji.in/tag/popular-myths-of-mutual-fund-investing/)
- [Mutual fund for armed forced officers](https://humfauji.in/tag/mutual-fund-for-armed-forced-officers/)
- [Are you still investing in Bank FDs?](https://humfauji.in/tag/are-you-still-investing-in-bank-fds/)
- [Is return from Real Estate really that high](https://humfauji.in/tag/is-return-from-real-estate-really-that-high/)
- [houses of army officers](https://humfauji.in/tag/houses-of-army-officers/)
- [Importance of Asset Allocation](https://humfauji.in/tag/importance-of-asset-allocation/)
- [Smart ways to invest in gold](https://humfauji.in/tag/smart-ways-to-invest-in-gold/)
- [Verdict 2014: The Way Forward For Investors](https://humfauji.in/tag/verdict-2014-the-way-forward-for-investors/)
- [Common Equity Investing Mistakes](https://humfauji.in/tag/common-equity-investing-mistakes/)
- [5 Common Investing Mistakes](https://humfauji.in/tag/5-common-investing-mistakes/)
- [Post Election Result analysis](https://humfauji.in/tag/post-election-result-analysis/)
- [5 Retirement Myths](https://humfauji.in/tag/5-retirement-myths/)
- [RIA Certification](https://humfauji.in/tag/ria-certification/)
- [The benefits of having a financial planner](https://humfauji.in/tag/the-benefits-of-having-a-financial-planner/)
- [Stopping of SIPs](https://humfauji.in/tag/stopping-of-sips/)
- [Indian Investors](https://humfauji.in/tag/indian-investors/)
- [Salient aspects of the Union Budget](https://humfauji.in/tag/salient-aspects-of-the-union-budget/)
- [Budget affect Debt Fund and FMP Investor](https://humfauji.in/tag/budget-affect-debt-fund-and-fmp-investor/)
- [Financial planning for people in their 70s and 80s](https://humfauji.in/tag/financial-planning-for-people-in-their-70s-and-80s/)
- [Retire to live comfortably](https://humfauji.in/tag/retire-to-live-comfortably/)
- [Retirement Planning](https://humfauji.in/tag/retirement-planning/)
- [MFs your Financial Supermarket](https://humfauji.in/tag/mfs-your-financial-supermarket/)
- [MUTUAL FUNDS CAN BE YOUR FINANCIAL SUPERMARKET](https://humfauji.in/tag/mutual-funds-can-be-your-financial-supermarket/)
- [Mutual Fund Investment](https://humfauji.in/tag/mutual-fund-investment/)
- [Insurance is Not Investment](https://humfauji.in/tag/insurance-is-not-investment/)
- [Does real estate score over equity](https://humfauji.in/tag/does-real-estate-score-over-equity/)
- [equity and debt mutual funds](https://humfauji.in/tag/equity-and-debt-mutual-funds/)
- [Opportunity Cost of Delaying Financial Planning](https://humfauji.in/tag/opportunity-cost-of-delaying-financial-planning/)
- [How To Build An Effective Expansion Team](https://humfauji.in/tag/how-to-build-an-effective-expansion-team/)
- [Build team with the right people](https://humfauji.in/tag/build-team-with-the-right-people/)
- [(National Pension Scheme)](https://humfauji.in/tag/national-pension-scheme/)
- [Tax Saving](https://humfauji.in/tag/tax-saving/)
- [Fiancial Planning](https://humfauji.in/tag/fiancial-planning/)
- [Sovereign Gold Bonds (SGBs)](https://humfauji.in/tag/sovereign-gold-bonds-sgbs/)
- [Gold Bonds](https://humfauji.in/tag/gold-bonds/)
- [7th Pay Commission](https://humfauji.in/tag/7th-pay-commission/)
- [7th Pay Commission payout soon](https://humfauji.in/tag/7th-pay-commission-payout-soon/)
- [Add health to Wealth](https://humfauji.in/tag/add-health-to-wealth/)
- [Debt Funds](https://humfauji.in/tag/debt-funds/)
- [Benefits of debt mutual funds](https://humfauji.in/tag/benefits-of-debt-mutual-funds/)
- [Home loan](https://humfauji.in/tag/home-loan/)
- [help your earning child to manage money](https://humfauji.in/tag/help-your-earning-child-to-manage-money/)
- [how much risk you can take in financial decisions](https://humfauji.in/tag/how-much-risk-you-can-take-in-financial-decisions/)
- [Can you take too much risk with your money](https://humfauji.in/tag/can-you-take-too-much-risk-with-your-money/)
- [Financing Your Insurance Policy from DSOPF](https://humfauji.in/tag/financing-your-insurance-policy-from-dsopf/)
- [DSOPF](https://humfauji.in/tag/dsopf/)
- [Insurance Policy](https://humfauji.in/tag/insurance-policy/)
- [Involving your better half in the financial planning.](https://humfauji.in/tag/involving-your-better-half-in-the-financial-planning/)
- [Would REITs make investing in real estate easy for you?](https://humfauji.in/tag/would-reits-make-investing-in-real-estate-easy-for-you/)
- [Inputs on 7th CPC](https://humfauji.in/tag/inputs-on-7th-cpc/)
- [CPI Based Inflation Indexed Bonds – Are they For You?](https://humfauji.in/tag/cpi-based-inflation-indexed-bonds-are-they-for-you/)
- [Inflation Indexed Bonds](https://humfauji.in/tag/inflation-indexed-bonds/)
- [Don't get Swayed by Euphoria](https://humfauji.in/tag/dont-get-swayed-by-euphoria/)
- [Should you go in for NPS due to additional tax saving?](https://humfauji.in/tag/should-you-go-in-for-nps-due-to-additional-tax-saving/)
- [Mutual Fund SIP](https://humfauji.in/tag/mutual-fund-sip/)
- [Gift to a loved one a mutual fund sip](https://humfauji.in/tag/gift-to-a-loved-one-a-mutual-fund-sip/)
- [Investment for young investors](https://humfauji.in/tag/investment-for-young-investors/)
- [Best tax saving investment](https://humfauji.in/tag/best-tax-saving-investment/)
- [investment for young earning child](https://humfauji.in/tag/investment-for-young-earning-child/)
- [Failing to Plan is Planning to Fail](https://humfauji.in/tag/failing-to-plan-is-planning-to-fail/)
- [Bank FD or PF/DSOPF](https://humfauji.in/tag/bank-fd-or-pfdsopf/)
- [Provident fund](https://humfauji.in/tag/provident-fund/)
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