Personal Financial Planning – Is it required

Hello Everyone,

Question: Is personal financial planning required?
Answer: Of course, yes.
Question: How do we plan?
Answer: Good question, I can write a book. Let us explore.

When I browse through the net or talk to any financial advisor, I always manage to get different opinions. It is same with you. Great we are on the same track.


1. Financial advisor should be independent and not product specific [Is it possible to get one-if you find one please send me the details].

2. Talk to agents to get the information you need. This should help you in your financial planning.  Do not get drawn by marketing stunts (that is what I call).

Indian Banks  follow RBI guidelines of min. 6% (yes that is right, 6% and not 4%).

Please comment on what you think.

Thank you.


About Ashwin C M
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