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Are You Financially on Track? 10 Questions to Check Your Financial Progress

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Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Most of us have financial goals. We want to buy a house, build a retirement corpus, fund our children's education, travel, become debt-free or simply have enough money so that an unexpected expense does not disturb our lives. But there is one question that many people rarely ask: “Am I actually on track to achieve my financial goals?” Having a salary, maintaining a savings account, investing in mutual funds or starting an SIP does not automatically mean that your financial plan is working. You can be investing every month and still be falling behind your goals. For example, suppose someone wants to build ₹1 crore over the next 15 years. They may proudly say, “I have been investing ₹10,000 every month for the last three years.” That sounds disciplined. But the more important question is: “Is ₹10,000 per month enough to reach the ₹1 crore target?” This is where financial planning becom...
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Can You Gift Mutual Fund Units to Your Brother or Sister This Raksha Bandhan?

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Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Raksha Bandhan is usually associated with a rakhi, sweets, chocolates, clothes and a gift for your brother or sister. But what if this year, your gift could be a little different? Instead of giving something that may be used or spent within a few days, you could consider giving something that has the potential to remain invested for years. Yes, you can gift eligible mutual fund units to your brother or sister , subject to applicable rules, KYC requirements, folio conditions and scheme eligibility. The idea may sound complicated at first. How do you actually transfer mutual fund units to someone else? Can you do it online? Can it be done through CAMS, KFintech or MF Central? Does the recipient need a mutual fund account? What happens from a tax perspective? Let's understand everything in simple language. What Does It Mean to Gift a Mutual Fund? There is an important difference between...
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Am I Happy If the Stock Market Is Crashing? Why Market Falls Can Create Long-Term Opportunities

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Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest There is a strange feeling that comes with seeing the stock market fall sharply. Your portfolio is red. News channels are talking about a crash. Social media is full of predictions about the next big fall. Investors who were celebrating a few months ago are suddenly discussing whether they should sell everything and wait for things to become normal again. But here is the question I ask myself: Am I happy if the stock market is crashing? Yes—but with an important condition. I am not happy because people are losing money. I am interested in falling markets because lower prices can create opportunities for long-term investors , provided the underlying investments remain fundamentally sound and the investor has the financial capacity and patience to stay invested. A falling market is not automatically a buying opportunity. Sometimes a falling price is simply a cheaper entry point. Sometimes ...
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5 Reasons You Should Invest in Mutual Funds in India

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Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Investing money is not only about finding a place where your money can grow. It is about choosing an investment option that fits your financial goals, risk appetite, time horizon and future needs . For many Indian investors, mutual funds have become an important part of this journey. You can start with a relatively small amount, invest through a Systematic Investment Plan (SIP), choose from different asset classes and categories, and gradually build a portfolio according to your goals. But there is one thing worth remembering: mutual funds are not a shortcut to becoming rich. They are an investment vehicle. The result depends on the fund category, market conditions, investment horizon, asset allocation and, most importantly, investor behaviour. So, why do people consider mutual funds for long-term investing? Here are five practical reasons. 1. Mutual Funds Can Help You Build Wealth Over...
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₹60 Lakh From Property Sale: Should You Choose FD, Debt Mutual Fund or SWP?

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Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest Selling a property can completely change a family’s financial position. Imagine a simple situation. A family sells a property and expects to receive around ₹60 lakh . At the same time, the family has an outstanding debt of approximately ₹10 lakh . The father wants the remaining money to stay safe, while another family member is thinking about using ₹10 lakh to start a business and generate around ₹20,000 per month. The question then becomes: “What should we do with the ₹60 lakh? Should we put ₹50 lakh in an FD? Should we use a small finance bank? Or should we invest in a debt mutual fund and start an SWP?” This is not just an investment question. It is a capital protection, debt management, liquidity and income-planning question . And that distinction matters. A common mistake is to look only at the highest interest rate. When a large amount of money comes from selling a property, the fi...
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