It's your money, here's how to keep it safe with these easy steps.
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Step 1
Grade your financial console - Review what you own
Before you begin any financial planning, it is important to review your monetary position. This will give you a crystal clear assessment of "Where you are now" and "How you need to proceed from hereon". It is best to do such appraisal with...
STEP 1: Classify

Your initial step towards financial freedom.

After the registration, you have to update your financial details. This will include your investments in Real Estate, Insurance, Fixed Income (FD, PPF/ EPF, tax free bonds, Govt. bonds, Post Office savings etc.), Equity (Direct & MF) and others. This will also include details on your monthly/ annual cash flow, your income/ earnings, expenses, liabilities in hand and most important, you're "Goals in Life".

You have an option of completing it online. You can do so, on your own or seek assistance from one of our Tele Assist Financial Planners who will guide you step by step. You can update your status at any time convenient to you.

The idea is to know your current financial status:

  • a) Investments as on date
  • b) Liabilities in hand
  • c) Monthly Cash Flow
  • d) Insurance
  • e) Goals

The entire module is built on a platform, where you as a user will find it easy to understand and use. The screen will be visually appealing and clutter free. Even a user without an aptitude for finance can easily navigate through the module.

STEP 2: Secure

Insurance is one financial instrument that all of us invest in without having any proper understanding of the subject.

In our country insurances are linked to investments and investors looks at returns & tax saving as the key features before signing Insurance documents. How many of us calculate cover value in case of any eventuality? Do we even probe deeper to under the insurance policy itself?

This is the reason why traditional & Ulip Plan is popular as compared to stand alone Term Plan. Whereas it is the other way round in any developed countries (Europe & US). Likewise, with car insurance, we all are clear on premium payment, i.e. it's paid to cover any accident, not for any returns. But we tend to ignore importance of life cover & its calculations?

Therefore, this module will help you to assess whether you are adequately covered based on your liabilities in hand, current Income & Goals and what you're Life, Accident & Medical cover should be depending on your need.

STEP 3: Money Tree

Money Tree is all about asset allocation. At this stage, where you want to be financially secure.

This allocation is based on your Age, Cash flow, Goal sheet and Risk tolerance. We will give you insights on your current investments and gauge whether they are linked to your desired goals and your profile. We also keep tabs on inflation while doing so.

For instance; If one of your Goals in future is to have an elaborate wedding for your daughter, than finances will be invested keeping the wedding in mind and likewise.

One of the key rules in investment is to save first and spend later. Therefore as your investments consultants we would want to build a strong foundation for you with the golden rule: Invest before you spend.

This module will help you to keep a check on your current investments and restructure (if required) based on your profile & goals.

STEP 4: Optimize

Fourth step towards your financial happiness is about the best pay-off or highest ROI - return on investment.

We shall periodically monitor and review all the financial instrument or plan you have chosen to invest in with our guidance. This will help to track your "money movement".

For instance: Backed with our expertise in financial markets we shall advise you to hold on or disinvest a plan or instrument.

This module will ensure that your investments are optimized to highest ROI, also keeping in mind the risk factor.

STEP 5: Refresh

The final stage towards financial freedom and lifelong happiness is about review, evaluate and give update.

Financial Planning requires periodic checks and monitoring. This exercise is to be done along with the client. The frequency also varies according to the client's requirement. Ideally a six monthly or an annual review is what we recommend.

So, come on board, let us all celebrate the life of freedom and happiness that we always aspire for.....

Come to www.moneyfrog.in and take your giant leap to abundance.....


Marriage is the coming together of not just two lives but also two separate financial histories and situations. While your attitude will continue to influence your finances now, you'll now also be contending with a lifetime of new money-related experiences and decisions. The key to success is preparing yourself and your spouse to handle the unexpected, while also learning to communicate with each other about financial matters.

Financial problems are a factor contributing to many divorces. So how do you keep finances from putting a strain on your relationship? One needs to know each other's financial histories, strengths, goals and challenges.

With the average Indian wedding costing upward of 10 to 20lacs, the event runs the risk of saddling couples with relationship-crippling debt for years to come. One need's to plan an affordable yet memorable wedding.


Turtles and snails are born with their homes on their backs. You, however, are not so lucky. Unless you plan to live in a cardboard box or you can talk someone into allowing you to live with them for the rest of your life, you will probably need to either buy or go rentals.

Home ownership is a long-term commitment. The prices of houses are increasing steadily (higher in current decade, due to booming economy). With all the financing, closing costs and other expenses associated with owning a home, you'll probably lose money if you sell in less than five years.

There are also substantial financial advantages to owning a home. The part of your monthly payment that goes toward the principal is all equity and the part that goes toward interest is tax deductible. Compare that with paying rent, which is neither an investment nor a tax write-off.

As your equity increases with time (and payments) it will be a source of financial stability for you, giving you collateral for a loan or producing a large sum of money if you sell. And if you decide to sell your home, after three years, you have an option of reinvesting same in a new property or tax free bonds to save on capital gain tax.

Kid's Education:

Children are always asked what they want to be when they grow up. As a parent, you want to make sure nothing stands in their way, especially something like the ability to finance their education.

The first step in creating a college saving strategy is to determine how much of college expenses you want to cover given the total cost. Funding a college education is one of the most valuable gifts you can give a child, but unfortunately, it can also be one of the most expensive.

You're not alone if you think a financial goal like this seems intimidating or out of reach. But with careful planning and early saving, it doesn't have to be. Starting early and investing consistently are two key factors in reaching your goal.

For example, let's look at how your saving could grow if you start when your child is a new-born:

Child Age Now: New-born
Current savings for college: Rs.0/-
Total cost for fully funding a four year medical college, in 18 years: 45lacs (current cost taken at 20lacs with 5% average inflation)
Assuming a 7% investment rate of return, this goal can be reached with: a monthly investment of Rs.12k (Rate of return is for illustrative purposes only, it does not represent any currently available investments)

Plan ahead. There's no better time than right now to plan for your retirement. Saving for retirement often gets put off as we deal with life's more pressing demands - Marriage, House, Children - but each month you delay cuts significantly into the total savings.

Save early. Save often.

Unplanned savings is better than no savings at all. But to get the most out of your retirement savings, you should figure out where you want to be and how you're going to get there. Since people are living longer than ever, retirement savings need to last longer and work harder. It's more important than ever to make smart financial decisions.

If you are starting your retirement savings early, you can afford to be aggressive and put money into riskier funds. If your fund loses value, you have time to let it grow again. However, if you're getting close to retirement and suddenly your investments lose 40% of their value, it will have a huge negative impact on your financial comfort in retirement.

The corpus you build for retirement should be able to help maintain the desired lifestyle after you stop working. Many times, you realise that the corpus you wish to have on retirement may not be achieved with your current and planned savings. The earlier you recognise this shortfall, the better, as it will help you reach the goal more efficiently.