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.




“A successful investor is not one who never loses, but the one who stays invested in the market for a long time”

Contrary to popular beliefs, one does not have to earn a lot of money to become wealthy. Here are some simple Mantras (golden rules) to secure your financial freedom –


Don’t Procrastinate on Wealth Creation

Many people procrastinate on saving money. They always wait for the next year, next increment and next bonus to start their savings and then the vicious cycle repeats again and again.

You do not need to start investing large amounts of money right from today, all you need to do is start with small amounts and never break off. Even a year’s delay can make a huge difference as wealth COMPOUNDS dramatically with time.


Prepone Investments, Postpone Expenses 

Set targets on how much you want to invest and invest it as soon as you get the money. Do not spend first and save (whatever is left) later.


You Do Not Need HUGE Money to Become a Crorepati

It’s a myth that you need lots of money to start investing. Even small amounts of money over time can become a huge amount due to the magical power of compounding.


Go For the Long Term Horizon

Especially in Equity it is very important to invest for the long period of time. Equity gives the BEST returns in the long term, but if you want short term investments then look for Debt funds.


Invest Regularly

This is a very important point to keep in mind. You can invest in SIP (Systematic Investment Plan) which can average out your risk. For e.g. investing Rs. 10,000 p.m would yield a huge volume of Rs. 1 Crore after 15 years at an annual rate of 20%.


Don’t Link your Lifestyle to the Stock Market

When the stock market is rising, our notional wealth increases. Soon we start believing that the growth of our wealth is REAL and LONG TERM. This false state of suddenly feeling wealthy leads to an abrupt change in our lifestyle.

One of the perils of increasing expenses on your lifestyle during stock market boom is that we get used to comforts and luxuries in life. When economic situation turns bad we will then struggle to curtail our expenses.

In fact in reality while markets are rising, we should control our expenses and let our wealth grow. On the other hand when equity markets are down, our wealth is not growing in real terms. Things are also cheaper generally during such periods.


Ignore Rumors

If you are confident about the company you have invested in, leave it like that. Do not lend your ears on rumors.


Research & Learn

Learn about budgeting, credit, and debt. Learn how credit cards actually work. If you get into debt early it can sabotage your progress. Whenever you buy a stock or fund, don’t do it on a tip or whim, but do solid research to back up your buy. Investing can be very interesting and rewarding if done in the right way.

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.