SBS Fin

Life's blueprint is anchored by essentials: a roof over our heads, nourishing meals, stylish attire—and at its core, health insurance.

It's the bedrock of security, ensuring our well-being remains steadfast amidst life's ebbs and flows. Let's not overlook this vital cornerstone. By prioritizing our health, we lay the groundwork for a future filled with vitality and resilience

Every investor's journey is a mountain climb—full of challenges, but rewarding at every peak. Just like navigating through rugged mountain trails, investing requires determination, strategy, and the vision to see beyond the immediate horizon.

As we tackle each phase, from cautious beginnings in the foothills to the thrilling heights of financial peaks, our journey shapes us. Remember, the best views come after the hardest climbs. Let's conquer these financial mountains together, one smart investment at a time!

It's Time to Stop Hitting 'Snooze' on Your Financial Goals! 🔔

In a world that never sleeps, the adage "Time is Money" has never been more pertinent. Yet, many of us find ourselves pressing the metaphorical snooze button on our investment aspirations, awaiting the mythical 'right moment' to start.

✨ Why Today? Why Now? ✨

The beauty of compound interest and market growth waits for no one. The earlier you start, the greater your potential rewards.
Every day is ripe with opportunity, each moment a chance to seed your future prosperity.
Investment isn't just about wealth; it's a step towards realizing your ambitions, securing your future, and forging a legacy.
🚀 Embark on Your Investment Journey Today 🚀

The landscape of investment is vast and varied, offering avenues that cater to every risk appetite and vision. Whether you're a seasoned investor or just starting, there's no better time than now to reassess your strategy or take that first bold step.

📈 Let's Connect and Grow Together 📈

Embracing Balance in Every Aspect of Life 🏋️‍♂️💼

Today, as I powered through my fitness routine with the trusty dumbbells by my side, a thought struck me - the principles of physical fitness and financial health are incredibly aligned. Each set and rep, much like every investment and saving, builds towards a stronger, more resilient future.

As your financial adviser, I'm here to remind you that achieving financial fitness is akin to maintaining your physical health. It requires discipline, consistency, and a well-thought-out plan. Whether it's sticking to your workout regime or adhering to a financial plan, the key lies in setting realistic goals and working steadily towards them.

Let's not just focus on building our physical strength but also fortify our financial wellbeing. A healthy portfolio, like a healthy body, is a testament to persistent efforts and smart choices made over time.

I'm here to guide you through the complexities of financial planning, ensuring your financial health is as robust as your physical prowess. Together, let's achieve that perfect balance, crafting a future that's not only financially secure but also full of vitality and strength.

"

𝐓𝐡𝐞 𝐁𝐞𝐬𝐭 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐓𝐢𝐩 is to 𝐂𝐫𝐞𝐚𝐭𝐞 𝐚𝐧𝐝 𝐒𝐭𝐢𝐜𝐤 𝐭𝐨 𝐚 𝐁𝐮𝐝𝐠𝐞𝐭

Staying on track with your finances can be challenging but rewarding. Whether you are just starting to take control of your financial situation or looking for ways to maintain your momentum, one of the best tips that I learned from my mother is to create and stick to a budget.

One of the most fundamental steps in managing your finances is to create a budget that outlines your income, expenses, and savings. Use this budget as a roadmap to allocate your funds effectively, ensuring you live within your means and avoid overspending.

📈 Mastering Emotions: Navigating Investment Decisions 📉

Emotions play a pivotal role in investing. Whether it's the euphoria of a bull market or the fear of a bear market, our reactions can shape our outcomes. But understanding and managing these emotions is key to success. Here's how:

1️⃣ Develop a Long-Term Perspective
2️⃣ Practice Emotional Discipline
3️⃣ Diversify Your Portfolio
4️⃣ Stay Informed and Educated

By staying rational and disciplined, you can make informed decisions that lead to long-term financial success. "

𝐓𝐫𝐚𝐯𝐞𝐥 𝐇𝐚𝐜𝐤𝐬 𝐭𝐨 𝐅𝐮𝐞𝐥 𝐘𝐨𝐮𝐫 𝐖𝐚𝐧𝐝𝐞𝐫𝐥𝐮𝐬𝐭

With summer just around the corner, many of us are getting ready to pack our bags and hit the road. But before you do, consider these tips to help you save money and efficiently plan your travels.

First, set a budget. Determine how much you can spend on your trip and make decisions on accommodations, activities, and transportation accordingly.

Setting aside a regular monthly amount in a liquid fund will ensure you don't dip into your long-term investments when traveling.

Traveling off-peak can also save you money on flights, accommodations, and activities. Take advantage of travel rewards programs offered by credit cards, airlines, and hotels to accumulate points through regular spending and use them to offset travel expenses.

Be flexible with your travel dates and consider alternatives to traditional hotels such as hostels, vacation rentals, or staying with locals through platforms like Airbnb. Packing light and utilizing public transportation can save money and give you a more authentic destination experience.

Planning and booking major expenses such as flights and accommodations well in advance can also lead to early booking discounts. And don't forget to track your spending during your trip to ensure you stay within your budget.

Incorporating these financial planning tips into your travel plans allows you to maximize your savings and make the most of your adventures without breaking the bank. Happy travels!

𝐂𝐥𝐢𝐞𝐧𝐭 𝐚𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐢𝐨𝐧 𝐩𝐨𝐬𝐭

Thrilled to see one of our new clients receiving our signature Welcome Kit! At , we believe in going the extra mile to make our clients feel valued and informed right from the start.

Our Welcome Kit is not just a package; it's a token of our commitment to providing personalized, comprehensive financial guidance. Unlike many in the industry, we ensure that our client's journey with us begins with clarity, confidence, and a touch of SBS FIN's.

A big thank you to Dipak for sharing this wonderful moment with us. Your trust fuels our passion to innovate and deliver exceptional service. Here's to a prosperous journey ahead!

"Happy International Women's Day!

Today, I had the privilege of meeting with two incredible women entrepreneurs, discussing their personal financial growth and the exciting journey of investing in their businesses. It's days like these that remind us of the power and potential that lies in supporting and investing in women's progress. Together, we shared ideas, strategies, and a celebratory cake to mark this special day.

Here's to the endless possibilities that lie ahead when we accelerate progress by investing in women.

Wearing the three Badges of Honour :)

A Proud QPFP'ian
A Proud NetworkFP PRO Member,
and
A Proud PFP (Personal Finance Professional)

Thanks Network FP

Photo Credit:

Captured in the moment: Immersed in the vibrant beauty of tulips on a serene Saturday stroll.

Photo credit: Dr.Arvinder Kaur

"𝐓𝐡𝐞 𝐬𝐞𝐜𝐫𝐞𝐭 𝐢𝐬 𝐧𝐨𝐭 𝐭𝐨 𝐟𝐢𝐧𝐝 𝐭𝐡𝐞 𝐦𝐞𝐚𝐧𝐢𝐧𝐠 𝐨𝐟 𝐥𝐢𝐟𝐞, 𝐛𝐮𝐭 𝐭𝐨 𝐮𝐬𝐞 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐭𝐡𝐢𝐧𝐠𝐬 𝐭𝐡𝐚𝐭 𝐚𝐫𝐞 𝐦𝐞𝐚𝐧𝐢𝐧𝐠𝐟𝐮𝐥."-James Clear

That's an inspiring perspective on creating a fulfilling life. Rather than seeking a universal meaning, it emphasizes personal agency and crafting a life that aligns with individual values and passions.

By engaging actively with the world and infusing our actions with purpose, we can make a positive impact in personally significant ways. This viewpoint resonates with philosophies prioritizing creativity, service, and personal growth as essential components of a well-lived life.

The phrase "𝐡𝐨𝐮𝐬𝐢𝐧𝐠-𝐦𝐚𝐫𝐤𝐞𝐭 𝐧𝐞𝐩𝐨 𝐛𝐚𝐛𝐲" caught my eye during my morning read. As a fan of Bollywood, I'm familiar with the term "nepo child" - a child of a celebrity who benefits from their parent's fame and fortune.

But have you heard of a "nepo home buyer"? It's someone whose parents already own a home and can help their kids afford a down payment for a home. Interesting to see how the concept of nepotism extends beyond the entertainment industry. And this makes me a nepo baby, too. To buy my first home, my parents chipped in ;)

Happy Valentine's Day to all the amazing couples out there! 💖🌹

Today, let's celebrate more than love; let's celebrate our partnerships in every aspect of life, especially when it comes to our dreams and financial journeys.

As we hold hands and make plans, let's remember that our financial goals and dreams are as intertwined as our lives. Whether it's opening joint investment accounts, planning our financial future together, or investing in experiences that enrich our bond, every step we take is a step towards a shared dream.

It's about more than just today; it's about building a future where our love and our finances grow together, strengthening the foundation on which we build our lives. So here's to making this Valentine's Day about more than just chocolates and flowers. Let's make it about supporting each other's dreams, setting goals together, and celebrating every milestone, big or small, on our journey to a shared future.

To all the couples out there, may your love and your investments flourish. Here's to us, to love, and to a future we build together, hand in hand.

𝐋𝐨𝐮𝐝 𝐛𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠

Gen Z is leading the way in breaking down financial taboos with a new trend called Loud Budgeting. Content creator Lukas Battle has sparked a movement where young adults openly share their financial boundaries with friends, discussing them freely and unfiltered.

This approach separates worth from material possessions and costly experiences, allowing individuals to prioritize their well-being over meeting the expectations of others. By sharing financial struggles and discussing money management openly, we can reduce the burden of financial stress and shame that can lead to mental health challenges and relationship problems.

Looks like Budgeting is the next coolest thing in the year 2024 :)

Trying to navigate yet another software, this time to create videos.

Future-Proof Your Finances

As time goes on, the expense of healthcare will continue to rise, eventually outpacing the savings of individuals and other investments, leaving many vulnerable to financial strain in the face of medical emergencies.

Having robust health insurance isn't just a safety net—it's a strategic move. It's about ensuring that when life throws a curveball, you're not dipping into your hard-earned savings or compromising your financial goals to meet medical expenses.

I suggest buying adequate health insurance and building a health corpus with SIP in Mutual Funds (a savings reserve earmarked for medical needs). Imagine this: You're hit with an unexpected health issue. Instead of spiraling into stress about how to cover the costs, you lean on your health insurance to take the brunt of the expenses. And for those costs that insurance might not cover? That's where your health corpus steps in, ready to fill the gaps without derailing your financial plans.

This dual strategy doesn't just protect you against unforeseen medical bills; it also preserves your other savings and investments for their intended purposes—be it retirement, buying a home, or funding your dreams. In essence, you're creating a financial ecosystem where your health and wealth coexist, each supporting the other.

🇮🇳 Happy Republic Day, everyone! 🎉

Today, as our nation celebrates its75TH Republic Day, I find myself reflecting on what it truly means to be a part of this incredible country. It's a day not just marked by grand parades and patriotic songs, but a time to remember the journey and the sacrifices that led us here.

Growing up, Republic Day always meant waking up early to watch the parade on TV, feeling a surge of pride at the colorful display of our culture and military might. But as I grew older, I realized it's much more than that. It's about the values our constitution upholds, the unity in our diversity, and the endless possibilities that lie in being an Indian.

Today, I want to take a moment to appreciate our progress and the dreams we hold for the future. Let's celebrate our unity, our diversity, and our enduring spirit.

Here's to being Indian - diverse, strong, and forever moving forward. 🌟

Jai Hind! 🇮🇳

From Investment to Independence: 20 Years to Financial Freedom

Investing in appreciating assets is key to achieving financial independence. A senior friend who has worked in the corporate world for 33 years shared that she wished she had understood this earlier in life. It's not just about saving, but about smart investing. Diversify your portfolio with mutual funds, direct equity, real estate, and more. Remember, investing is a marathon, not a sprint.

With the power of compounding interest, your investments can grow exponentially. Stay disciplined, keep learning, and watch your portfolio flourish. Imagine looking back 20 years from now, seeing this moment as the start of your journey to financial independence. Start today, the future is in your hands!

Remember, working is important, but learning how to make your money work smart is more important. Seek professional advice and take control of your financial future.

𝐂𝐥𝐢𝐞𝐧𝐭'𝐬 𝐄𝐧𝐝𝐨𝐫𝐬𝐞𝐦𝐞𝐧𝐭 𝐒𝐩𝐚𝐫𝐤𝐬 𝐍𝐞𝐰 𝐖𝐞𝐚𝐥𝐭𝐡 𝐂𝐫𝐞𝐚𝐭𝐢𝐨𝐧 𝐀𝐝𝐯𝐞𝐧𝐭𝐮𝐫𝐞!

Today, I received a heartwarming call from a colleague of one of my valued clients. He reached out for assistance in beginning his journey toward wealth creation.

I am deeply honored and humbled by his kind words about my work over the years, especially noting my effective communication with clients. It's always a pleasure to see the positive impact of my services extending beyond my direct client circle.

This is a reminder of why I do what I do - to empower and guide individuals on their path to financial success. Also, today's interaction is a testament to the power of positive referrals and the strength of professional relationships built over the years.

If you or someone you know is looking to start or enhance their wealth creation journey, feel free to reach out. Let's make your financial goals a reality!

Today, I came across an insightful quote by F.M. Alexander that stuck with me. '𝐏𝐞𝐨𝐩𝐥𝐞 𝐝𝐨 𝐧𝐨𝐭 𝐝𝐞𝐜𝐢𝐝𝐞 𝐭𝐡𝐞𝐢𝐫 𝐟𝐮𝐭𝐮𝐫𝐞𝐬, 𝐭𝐡𝐞𝐲 𝐝𝐞𝐜𝐢𝐝𝐞 𝐭𝐡𝐞𝐢𝐫 𝐡𝐚𝐛𝐢𝐭𝐬 𝐚𝐧𝐝 𝐭𝐡𝐞𝐢𝐫 𝐡𝐚𝐛𝐢𝐭𝐬 𝐝𝐞𝐜𝐢𝐝𝐞 𝐭𝐡𝐞𝐢𝐫 𝐟𝐮𝐭𝐮𝐫𝐞𝐬.'

This simple yet profound quote holds the key to personal and professional transformation. As we strive towards success in our personal and professional lives, it's important to reflect on our daily habits and routines. Are they leading us toward our desired future?

Same way if you want financial results, time to reflect on your financial habits :)

Sharing a few financial habits that reshaped my life:

1. Scheduling calendar events: Introduced to Google Calendar in 2013 by my friend Gaurav, this has been an absolute game changer.

2. Setting aside savings first

3. Automating my investments

4. Sorting and organizing digital and physical financial documents

5. Weekly money reviews

6. Tracking expenses daily

7. Revisiting my financial goals every year

8. Reading books, especially on the art of budgeting

9. Journaling

10. Creating a digital library for articles on personal finance.

Let's take a moment to evaluate our habits and make positive changes where necessary. Small changes can lead to big outcomes.

𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞 𝐲𝐨𝐮𝐫 𝐰𝐞𝐞𝐤𝐞𝐧𝐝𝐬 𝐟𝐨𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐮𝐜𝐜𝐞𝐬𝐬!

To be financially fit and stay on top of your finances, especially over the weekends, here are some key activities you can incorporate into your routine:

Quick Budget Review: Stay on track with spending and savings.

Spending Snapshot: Note this week's big spends.

Upcoming Expenses: Plan for the week ahead.

Investment Check-In: Quick portfolio review.

Financial Learning: A podcast or article to boost your knowledge.

Credit Report Glance: Stay informed, stay secure.

Goal Setting: Adjust your financial targets.

Week Ahead Prep: Plan meals and expenses.

Cost Cutting: Identify one area to save.

Reflect and Relax: Acknowledge your progress!

Small steps lead to big gains. Let's make our financial health a priority.

𝐖𝐡𝐲 𝐈𝐧𝐯𝐞𝐬𝐭?

Investing isn't just about growing your wealth; it's about securing your financial future and achieving your long-term goals. It's about 𝐦𝐚𝐤𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐰𝐨𝐫𝐤 𝐟𝐨𝐫 𝐲𝐨𝐮, 𝐧𝐨𝐭 𝐭𝐡𝐞 𝐨𝐭𝐡𝐞𝐫 𝐰𝐚𝐲 𝐚𝐫𝐨𝐮𝐧𝐝.

Good enough reason to Invest :)

𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐇𝐨𝐦𝐞 🛠️🏠

Consider this closed green door as a metaphor for building your financial home. What steps can you take to secure a stable foundation? Are you budgeting effectively, saving for emergencies, and investing for the future? By addressing these aspects, you're not just opening doors but building a solid financial structure.

𝐄𝐥𝐞𝐯𝐚𝐭𝐞 𝐋𝐢𝐯𝐞𝐬 𝐓𝐡𝐫𝐨𝐮𝐠𝐡 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐄𝐦𝐩𝐨𝐰𝐞𝐫𝐦𝐞𝐧𝐭 𝐟𝐨𝐫 𝐇𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝 𝐇𝐞𝐫𝐨𝐞𝐬!

I have known my courier guy for almost two decades. He has witnessed by growth over the years from an employee to a solopreneur. I can now proudly say that I have witnessed his growth too :) his journey towards

Six years ago, I nudged him to start saving and investing in mutual funds through SIP. My push was a big motivator for him to start though he was not well-versed with stock markets. It took some time for him to gain confidence and figure out the advantages of investing in mutual funds . Today seeing his Rs.1000 monthly SIP grow to Rs.2.03 lacs, he is confident enough to save and invest more . He has been chasing me to suggest him a fund to invest more.

Seeing my support staff(maid) and his portfolio's grow, I realized how important

it is for us to them. Over the years our maids/drivers have become an essential part of our work and home routines.

Most of them are untouched by Wealth managers/MFDs/Advisers. If you have sufficient financial resources, it’s not that difficult to create a financial plan and invest. You can plan well and lead a good life. But, it is very tough for low-income households like our maids and drivers, with limited financial resources, to plan well and lead a good life.

These are the people who help us continuously with no paid or sick leaves, no provident fund, and no job security. If we can spare some time in educating them, its possible for them to become ‘financially secure’, at least to a certain extent? What do you say?

𝐏𝐑𝐄𝐃𝐈𝐂𝐓𝐈𝐎𝐍 𝐅𝐎𝐑 𝟐𝟎𝟐𝟒

Successful in will require patience, discipline, and a well-thought-out strategy that aligns with your financial goals and risk tolerance.

𝐏𝐞𝐧𝐧𝐲 𝐬𝐚𝐯𝐞𝐝 𝐢𝐬 𝐚 𝐏𝐞𝐧𝐧𝐲 𝐞𝐚𝐫𝐧𝐞𝐝.

There are many creative ways one can save money and I can bet you probably never thought of ;)

Finances can be a major cause of stress. Finding ways to save money can reduce stress. Our busy schedules, long work hours, and never-ending expenditures take precedence, making it difficult. Simple everyday savings habits help save money. Sharing 4 creative ways I have been trying to save the penny this year :)

1. Save all the change

Like most people, I always have some loose change lying around my house. Once a month, I scrounge up all the change I can find and put it in a piggy bank. Then, once a year around Diwali, I open the jar take the change to the bank, and make a deposit. The loose change can add up to a tidy sum :) enough to fund a micro sip for a year.

2. Freeze your spending

Begin by designating a single day per week for abstinence from spending. That is how straightforward it is. Coffee at home is preferable to a trip to Starbucks; delay any online purchases. You would be astounded by the amount of money that can be saved; as you become more proficient, contemplate progressively expanding your days without spending from one to several.

3. Delete your payment information (credit/debit card details) from online shopping sites

Online shopping with a single click makes it absurdly simple to spend money without giving it a second thought. And I am guilty of that many times.

4. Do monthly audit checks of your various subscriptions.

A lot of memberships, like those of streaming services like Amazon Prime, Spotify, or Netflix, automatically renew, so I end up paying for something I don't even use anymore. This year I made it a point to disable auto-renew when subscribing to new services. That way, I can think about whether services like Netflix and Audible are truly necessary before deciding to renew them.

Initially, it was hard but slowly getting the hang and realizing the power of 𝐏𝐞𝐧𝐧𝐲 𝐬𝐚𝐯𝐞𝐝 𝐢𝐬 𝐚 𝐏𝐞𝐧𝐧𝐲 𝐞𝐚𝐫𝐧𝐞𝐝.

SBS FIN is officially a Teenager Yay!!

Eternally grateful to my Buddhist practice, family, friends, clients, and comrades in faith for their unwavering support, prayers, and encouragement.

Thanks, Defence Bakery since 1962 for yet another delicious cake.


19m

𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗗𝗿𝗲𝗮𝗺𝘀 𝗔𝗹𝗼𝗻𝗲: 𝟭𝟯 𝗨𝗻𝗳𝗼𝗿𝗴𝗲𝘁𝘁𝗮𝗯𝗹𝗲 𝗟𝗲𝘀𝘀𝗼𝗻𝘀 𝗳𝗿𝗼𝗺 𝗠𝘆 𝗦𝗼𝗹𝗼𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝗶𝗮𝗹 𝗢𝗱𝘆𝘀𝘀𝗲𝘆

As I reflect on my journey as a solopreneur, I can't help but write and share the incredible lessons that have shaped my entrepreneurial adventure. Here are 13 life-changing insights that have been my guiding stars:

1️⃣ Embrace the Unknown: In the world of solopreneurship, uncertainty is your constant companion. Embrace it, learn from it, and let it fuel your innovation.

2️⃣ Passion is Your North Star: When the going gets tough, your passion will keep you on course. It's the driving force behind every successful venture.

3️⃣ Continuous Learning: The solopreneur's journey is a perpetual classroom. Stay hungry for knowledge and never stop learning. Your growth depends on it.

4️⃣ Resilience is Your Superpower: Setbacks are inevitable, but it's how you bounce back that defines your success. Be resilient in the face of challenges.

5️⃣ Network Like Your Business Depends on It : Because it does! Connect with fellow solopreneurs, mentors, and like-minded individuals. Your network is your net worth.

6️⃣ Time Management Mastery: Time is your most valuable asset. Learn to prioritize, delegate, and focus on what truly matters.

7️⃣ Customer Feedback is Gold: Your customers are your greatest teachers. Listen to their feedback, adapt, and evolve your offerings accordingly.

8️⃣ Embrace Failure as a Stepping Stone: Failure is not the end; it's a part of the journey. Each failure brings you closer to success. Embrace it and keep moving forward.

9️⃣ Authenticity Matters: Be true to yourself and your brand. Authenticity builds trust, and trust is the foundation of lasting success. And that has been the key to my long-lasting relationship with clients.

🔟 Mindset is Everything: Cultivate a positive and growth-oriented mindset. Your thoughts shape your reality.

1️⃣1️⃣ Invest in Self-Care: Your well-being is crucial. Take breaks, recharge, and invest in self-care. A healthy entrepreneur is a successful entrepreneur.

1️⃣2️⃣ Celebrate Small Wins: Acknowledge and celebrate your achievements, no matter how small. It's these victories that keep the entrepreneurial spirit alive.

1️⃣3️⃣ Give Back to the Community: As you grow, remember to give back. Whether it's through mentorship, knowledge sharing, or supporting local initiatives, contributing to the community is fulfilling.

Remember, the solopreneurial journey is not just about building a business; it's about personal growth, resilience, and making a positive impact.

I would love to hear your thoughts! What lessons have you learned on your entrepreneurial journey?

7 Dyas to go

Woohoo!! Burnt midnight oil to design these specially designed and curated flashcards on as a giveaway to . SBS FIN is turning 13.

Each of the 31 flashcards is crafted with love and passion. From budgeting basics to investment insights, each flashcard is a celebration of my shared commitment to .