WealthCare Vest

We all enjoy a warm cup of tea every day, don’t we? But what if we told you that one extra cup of tea can help you build a wealthy future? At WealthCare Vest by Ragoel, we believe in the power of small, consistent steps to create lasting wealth. Here's a simple and powerful concept to understand how just Rs 30 a day —the cost of a cup of tea—can change your financial life. The SIP Tea Formula: Cost of one tea: ₹30 Second tea (SIP contribution): ₹30 per day Monthly SIP Investment: ₹900 Investment Duration: 40 years Expected Value at 12% CAGR: ₹1,06,94,200 Yes, over ₹1 crore ! All you need to do is sip your favorite chai, and invest an equivalent amount in a Systematic Investment Plan (SIP) every day . Let time and the power of compounding do the rest. Why this works: Consistency : SIPs encourage disciplined investing. Compounding : The longer you stay invested, the more your money grows. Affordability : SIPs can start as low as ₹30/day—affordable for anyone. By making a ...

When it comes to saving for retirement in India, we don’t have 401(k)s or IRAs like the U.S.— but we have equally powerful tools . If you’ve ever wondered whether to invest in NPS, EPF, PPF, or even mutual funds, you’re not alone . At WealthCare Vest by Ragoel , we’re here to simplify this for you—because your retirement plan should be as strong as your ambition. --- Let’s Break It Down: Indian Retirement Options 1. EPF (Employees’ Provident Fund) a. Automatically deducted from your salary if you're a salaried employee. b. 12% of basic salary is contributed by both employee and employer. c. Tax benefits under Section 80C. d. Interest is tax-free if withdrawn after 5 years of continuous service. Best for: Salaried individuals looking for long-term, safe savings with guaranteed returns. --- 2. PPF (Public Provident Fund) a. Government-backed savings scheme with a 15-year lock-in. b. Interest is tax-free, and you get 80C benefits. c. Can be opened by anyone—self-employed...

Retirement — the dream phase where you finally get to slow down, travel, pursue passions, or simply relax with your morning tea without the rush of deadlines. But how do you ensure you can live this phase comfortably and without financial worry? Let’s break it down together. --- Start With the Golden Rule: The 70-80% Rule Most financial planners recommend replacing 70% to 80% of your pre-retirement income annually. So, if you currently earn ₹10,00,000 a year, you may need about ₹7,00,000–₹8,00,000 per year post-retirement (adjusted for inflation). But here’s the twist — inflation, medical costs, and longer life expectancies mean this number needs to grow with you. --- The Power of Early Planning The earlier you start, the more your money grows — thanks to compounding. Let’s say: You start saving ₹10,000/month at age 30 Invested in a diversified mutual fund portfolio earning ~12% annually By 60, you’ll have ₹1.15 crore+ Now compare this to starting at 40 — you’d end up wit...