Divya Bahadur

Financial ADVICE, with a Personal Touch

Let's plan your brighter future!

Introduction

About Me

Are you Rich or Wealthy?

My Mission

Welcome to my Website. This is your host Divya Bahadur, an Independent Financial Consultant CWM (AAFM) . I am so thankful to you for taking out time to visit this website and I promise you that you will not regret this visit.

My Mission

Are you Rich or Wealthy?

My Mission

I made my mission in the beginning of the 21st Century to financially educate as many people as possible so that they do not make the financial mistakes which I & my husband made in our lives when we started out together. Trust me that small financial decisions which we take in our lives without giving a second thought makes a huge difference later on and sadly that difference cannot ever be bridged. The impact can only be reduced by taking the right path as early as possible but opportunity lost is forever. Yes, I am referring to the concept of power of compounding for your money.

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Are you Rich or Wealthy?

Being rich today perhaps means owning a Flat, Car and earning a six-figure salary. However it doesn’t necessarily mean you have a secure financial future. What you might not know is there is a difference between being rich and being wealthy. Most rich people make a lot of money with their paychecks but the moment they stop working, they a

To become wealthy one has to save and invest over a period of time. It is easier said than done as Saving may require determination to delay or completely avoid buying something you badly desire but not need. Saving without smart investing is of no use.

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Financial Lessons for Life

1). Plan your Goals in Life

Beware of the RISKS before you invest. Know your investment OPTIONS. Understand how the POWER OF COMPOUNDING work on your investments.

2). Know your Risk Appetite

1). Plan your Goals in Life

Invest considering your RISK TOLERANCE and RISK APPETITE. Understand Risk / Return Tradeoff. Allocate investments to ASSET CLASSES chosen by you. Don’t put all your investments in one Basket. DIVERSIFICATION helps.

3). Discipline in investing

1). Plan your Goals in Life

4).Don't ignore Inflation & Tax

Invest preferably in small amounts in a DISCIPLINED manner. Investing is not betting. Nothing happens instantly. You have to be PATIENT and watch your investments grow over a period of time. Believe in the fact that RUPEE COST AVERAGING works very well as a long time strategy

4).Don't ignore Inflation & Tax

Do not underestimate or neglect INFLATION. Understanding TIME VALUE OF MONEY is important. Similarly TAX IMPLICATIONS on investments should be known while making investment decisions.

5). Monitor & Rebalance

4).Don't ignore Inflation & Tax

6). You or Professional Help

MONITOR your investments periodically and don’t hesitate to REBALANCE your portfolio of investments if necessary.

6). You or Professional Help

4).Don't ignore Inflation & Tax

6). You or Professional Help

All the steps mentioned need to be made either personally by you or be entrusted to an experienced professional who can do justice to your hard earned money over a period of few years.

Insurance is a necessity whether you like it or not

Understanding Life Insurance

Insurance is a legal agreement between the insurance company (insurer) and the individual (insured) in which the insurance company promises to make good the losses of the insured on happening of the insured contingency. The insured pays a premium to the insurer in return for the promise made by the insurer.

Buying life insurance is one of the most important financial decisions, but believe it or not, only 10 percent of Indians are insured. But why is it so important? Well, regardless of how much you earn, no one knows what the future holds. Lots of people die prematurely every year from illness or accident and, if you happen to be the sole breadwinner in the family and you were to pass away, it could have devastating consequences for your loved ones-their ability to pay household expenses, debts and maintain their standard of living.

The least you can do, therefore, is to secure your family's financial future by buying a life insurance policy. Besides, do not overlook the benefits of life insurance during your lifetime, especially if you are young. We list 10 compelling reasons for buying a life insurance policy:

1) LOOKING AFTER YOUR LOVED ONES EVEN AFTER YOU'RE GONE

2) DEALING WITH DEBT

3) HELPS ACHIEVE LONG-TERM GOALS

4) LIFE INSURANCE SUPPLEMENTS YOUR RETIREMENT GOALS

5) BUYING INSURANCE IS CHEAPER WHEN YOU'RE YOUNGER

6) YOUR BUSINESS IS ALSO TAKEN CARE OF

7) TAX-SAVING PURPOSES

8) A TOOL FOR FORCED SAVINGS

9) YOU MAY NOT BE QUALIFIED FOR IT LATER

10) PEACE OF MIND

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Features of Insurance

Sharing of Risk. Insurance is a device to share the financial losses which might befall on an individual or his family on the happening of a specified event. ...
Co-operative Device. ...
Value of Risk. ...
Payment at Contingency. ...
Payment of Fortuitous Losses. ...
Amount of Payment. ...
A large Number of Insured Persons.

Different types of Life Insurance Policies are:

Term Life Insurance.
Whole Life Insurance.
Endowment Policy.
Money Back Policy.
Savings & Investment Plans.
Retirement Plans.
Unit Linked Insurance Plans – ULIPs.

Call Divya to find out more

Mutual Funds

Basic Information

A mutual fund is a company that brings together money from many people and invests it in stocks, bonds or other assets. The combined holdings of stocks, bonds or other assets the fund owns are known as its portfolio. Each investor in the fund owns shares, which represent a part of these holdings.
Advantages of investing in Mutual Funds:

Investors have access to advanced portfolio management and services of professional money managers.
Easy to access and track investments
Risk reduction
Convenience of regular periodic and very low investment amounts
Fair and transparent pricing through operational efficiencies
Diversification at every Rupee level.
Sharing of investment expenses through Economies of scale
Dividend reinvestment
Easier to invest in specialized market sectors.
Low trading costs

Main types of Mutual funds available in India:

Equity or growth schemes. These are one of the most popular mutual fund schemes.
Money market funds or liquid funds.
Fixed income or debt mutual funds.
Balanced funds.
Hybrid / Monthly Income Plans (MIP).
Gilt funds.

Divya Bahadur

Financial ADVICE, with a Personal Touch

Introduction

About Me

Are you Rich or Wealthy?

My Mission

My Mission

Are you Rich or Wealthy?

My Mission

Are you Rich or Wealthy?

Are you Rich or Wealthy?

Are you Rich or Wealthy?

Financial Lessons for Life

1). Plan your Goals in Life

1). Plan your Goals in Life

1). Plan your Goals in Life

2). Know your Risk Appetite

1). Plan your Goals in Life

1). Plan your Goals in Life

3). Discipline in investing

1). Plan your Goals in Life

4).Don't ignore Inflation & Tax

4).Don't ignore Inflation & Tax

4).Don't ignore Inflation & Tax

4).Don't ignore Inflation & Tax

5). Monitor & Rebalance

4).Don't ignore Inflation & Tax

6). You or Professional Help

6). You or Professional Help

4).Don't ignore Inflation & Tax

6). You or Professional Help

Investment Options - A comparison

Insurance is a necessity whether you like it or not

Understanding Life Insurance

Learn More

Mutual Funds

Basic Information

Types of mutual funds - a tabular comparison

Video

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Rental Income vs Retirement Income

ICICI Prulife Insurance for better future

Contact DIVYA on: 9223280129 / (022)41200455

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