Investment Planning

Everyone wants to reach their financial dreams or goals ensuring the protection of their CAPITAL for the safety and security of their FAMILY. But it is very difficult for a common person to choose the right vehicle necessary for them to achieve their financial goals. Because of this fear, many of us choose the wrong vehicle which takes us to a completely different destination or almost nowhere (which we realise at a point of time when it’s too late to start afresh). Everyone wants to gain HIGH returns from their investment without taking any RISK of capital. But it is practically IMPOSSIBLE to get OVERWHELMING RETURNS taking ZERO RISK, then how to make it possible? There are lots of scientific methods with which I can help you to get your dreams fulfilled. Consult me to know more.

Child Education Planning

Every parents wants to plan their children’s education as early as possible and almost all of them dreams to see their children pursuing the career they desire in their future and be ready to fulfill their dreams. But to achieve this we need PROPER PLANNING at PROPER TIME as the educational expenses are rising at an ALARMING RATE. If the amount of tuition fees needed to be paid to a certain private engineering college today is Rs. 1 lakh p.a, then it can easily be Rs. 6.75 lakhs p.a after 20 years (assuming inflation rate of 10%). You cannot plan to accumulate the required amount by mere savings because you need to OVERCOME the inflation and TAX deductions too. So, will your child’s dream go into vain? No, absolutely not. Consult me to know more.

Retirement Planning

A study reveals that most people in our country are not aware of RETIREMENT PLANNING at all. Even if someone have given a thought about it, then that also after 40 years of age when it is too late to PLAN fresh. Assuming you are 40 years old now and your family expenses are Rs. 10, 000 p.m, now if you retire at the age of 60 your expenses are likely to reach a whooping amount of Rs. 46, 000 p.m which will gradually rise to an insane amount of Rs, 2, 17, 000 p.m when you are 80 years old (assuming inflation rate of 8%). Now is it wise to leave the responsibility of your IMPORTANT after-retirement-plans on the hands of some pre-defined retirement products advertised to you, or do you need the help of an expert to INVESTIGATE your personal desires and PLAN specifically for you. Consult me to know more.

Life Insurance Planning

Uncertainties are an unavoidable part of our human life and death, accident, illness are built into the universe by design and can happen anytime, anywhere and to anybody. But unfortunately most of us consider “Life Insurance” as a means of getting “Tax Benefit”. And most of the time people even choose Life Insurance from their old and traditional belief that this is the ONE & ONLY trustable way to invest for their future. It has also been observed that most people even imitate their friends, colleagues or other family member for taking Life Insurance. But is your “life” exactly same as that of your friends, that you can imitate them fully without any second thought? Do you know the type and coverage of Life Insurance you appropriately need for your personal life? There is a scientific and systematic way to calculate this. Consult me to know more.

Health Insurance

Everyone is well-aware of the rapid growth in medical expenditure now-a-days. We do not wait for government hospitals for treatment and move ahead towards private hospitals and nursing homes which bears a huge expenditure. Just think once that today you and your family have a proper health, but in the near future anything can happen and that can bring a disaster to your financial condition by damaging all your savings and investments all at once. You may be having a health insurance already, but are you sure of its capability in insuring you and your family needs properly?. You may also put the argument that your company is taking care of this matter completely and you need not to take any headache about it. But are you sure that the coverage will continue even after you retire? It’s the right time for you to THINK and ACT. Consult me to know more.




When something bad happens in our life (or financial life), we suffer, our families suffer, lots of confusion arises (and many times we are unable to fix it back) and if we are even alive, we regret about not preparing for small things which could have eased the situation. 

So let’s see how much prepared are we all? I don’t want you to just keep reading, but continue asking yourself the following questions at every point of reading and check what answer have you got for it?


Situation #1 – What if you Die Tomorrow?

Someone asked me a few months back not to use such direct words, but unless I do that, no one will read or take the matter seriously. Now ask yourself, does your family know how to take out money from your bank accounts in your absence?

Do they know your ATM card passwords? Will they be able to access everything you have in your head right now from passwords to remembering how much money you need to get back from a friend, to where exactly your entire worth lies? Will they be able to arrange for next 1 years of expenses if you are gone suddenly? What about next 30 years?

Have you prepared a black box emergency kit for your family?


Situation #2 – What if you lose your Job Suddenly?

I want you to imagine that you have lost your job right at this moment. You may think argue with me about its possibility? I am also agreeing. But let us just imagine this scenario.

There are so many reasons for you to lose your job, pertaining to some known or unknown events like permanent physical disabilities, mentally reiterate etc. Now, can you pay your next 6 months EMI? Do you have the guts to take your family out for late night movie and have a nice dinner costing around Rs. 3000 or will you take the other way by telling them that it is a flop movie and we can watch it on our laptop too.

Can you sleep well after you are rejected in all the new interviews that you attend after losing your job? Even if you get a job, what will you do if it does not match our liking’s at all? Will you still have the power to say NO to the next job?

Now your answer to all of these questions can either be YES or NO, which will serve as a clear indication of how well prepared are you for these situations. It’s time to think about it wisely?


Situation #3 – What if you need Rs. 5 Lakhs Suddenly for an Emergency?

Lots of people I have come across, cannot even arrange Rs 1 lakh in case of an emergency situation, Can you? If yes, then can you manage Rs. 5 lakhs with the same ease?

Even if you have got a 1 month deadline, then can you manage it? Have you been preparing yourself for this kind of unforeseen situation in your life? Now how can you need Rs. 5 Lakhs suddenly? There can be many reasons for this like, some medical emergency situation in your family, or because you found your dream home and need to make a sudden down-payment or you will lose it.

So, if you can’t arrange for Rs. 5 lakhs, then ask yourself how much you actually can? Rs. 3 Lakhs, or Rs. 1 lakhs or at least Rs 50,000? The good news is that we do not need Rs. 5 Lakhs right at the moment, but the situation can come anytime and we should be well-prepared for it.


Situation #4 – What if you get Hospitalized Suddenly?

If you suddenly meet an accident and get hospitalized but stay conscious, then things will still be under your control as you can guide your family what to do and what not to and from where they can arrange money and your health insurance documents.

But suppose, you are unconscious and cannot communicate with your family in any way, then at that situation does your family know how to arrange for few thousand rupees to start with? Are they aware of the place of your health insurance card or how to gain access your emergency fund? Do they even know the name of your health insurance company, how about the TPA phone numbers? Have you ever stored an ambulance service number in your or their mobile which takes not more than 1 min hardly?

Have you prepared any black box kit for your family which have got all the useful and necessary information to make their financial lives easy?


Are we getting ready now?

You don’t have to feel overwhelmed because you are not ready because there are a lot of other people who are also in the same position. But you should consider yourself lucky as you have got the opportunity to realize this now and have enough time to make necessary preparations for it.

Don’t try to achieve 100% perfection but try to address the core financial issues in your family and make necessary preparations for them.

Finance, Mutual Fund
Finance, Insurance

What is roy's Finance?

We all spend a lot of time, devotion and hard work to earn money and secure our own and our family's future.

Almost all of us have our personal financial dreams but most of us are unaware of the right path that we should take to turn our financial dreams into reality.

roy's Finance is nothing but a way for all those who want to fulfill their financial dreams.

The main aim of roy's Finance is to make everyone financially aware in the right way and help everyone be in a better financial position.