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.




If your earning is Rs 25,000/- per month and without any ancestral wealth, can you become a Crorepati just by savings?

Appears to be a very silly question and every one of us will laugh on this thought at the very first instant.

But before doing that please go through few overwhelming facts listed below,

The wonder of compounding (in investing terms) is to make your money work, to transform it into a state-of-the-art, highly powerful income-generating tool. Compounding is the process of generating earnings on your asset’s reinvested earnings. Compounding works on two basic premises – re-investment of earnings and proper utilization of time. 

In simple words, the longer time you leave your money to compound, the higher is the amount of wealth you can generate.

Savings of Rs 2,500/- per month (Rs.30,000 Per year) with 15% return will be worth Rs. 1,49,98,708/- (1.5 Crores)  after 30 years. Yes, this is not a typing error. It will be worth “really” Rs. 1.5 Crores. 

Here’s some more savings of Rs 2,500/- per month (Rs.30,000 Per Year) with 15% return will be worth Rs. 3,04,00,370/- (3.04 Crore) after 35 years

Please find the table below which shows returns on Rs 1000/- monthly savings will be worth after 25 years, 30 years and 35 years at different rate of returns.

Rate of Return25 Years30 Years35 Years

Remember, in the example above I have not increased the savings amount per annum. Considering you start increasing the monthly savings by Rs 500 per month at every anniversary, i.e. Rs 2500/- per month for first year, Rs 3000/- per month for second year and so on. 

In that case, your return will be Rs.1.59 Crores after 25Yrs, 3.36 Crores after 30Yrs and 6.93 Crores after 35 Yrs. It is not a joke and it is ABSOLUTELY TRUE at the rate of 15% compounding return per annum.

Sooner we start, more will be the returns and yield. If you invest later in your life then you will not be able to make use of the great “Power of Compounding” 

Numbers do look good when tabulated, however it is indeed a Herculean task to translate them into reality! We often get tempted to break our savings to attain a lifestyle or meet exigencies. You may observe now that it is not just time and money that commands the direction in which your corpus grows, there is one more important parameter which determines the same rate of returns – perseverance.

To achieve the best risk-adjusted returns, it becomes absolutely necessary not to put all your money in the same basket. Having a judicious mix of debt and equity is equally important whilst you embark on your journey to become a millionaire.  

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.