Risk Planning

Risk

Re-edited Version

Risk āĻ•āĻĨāĻžāϟāĻŋāϕ⧇ āφāĻŽāĻŋ āĻĻ⧇āϖ⧇āĻ›āĻŋ āĻ…āύ⧇āϕ⧇āχ āϖ⧁āĻŦ āĻ­āĻžāϞ⧋ āĻ•āϰ⧇ āĻŦ⧁āĻā§‡ āωāĻ āϤ⧇ āύāĻž āĻĒ⧇āϰ⧇ āĻļ⧁āϧ⧁ āĻŽāĻžāĻ¤ā§āϰ Capital āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻžāϰ āϭ⧟āϕ⧇āχ Risk āĻŦāϞ⧇ āĻŦ⧁āĻā§‡ āĻĨāĻžāϕ⧇āύāĨ¤ āĻ…āĻ¨ā§āϧāĻ•āĻžāϰāϕ⧇ āϝ⧇āĻŽāύ āĻŽāĻžāύ⧁āώ āĻā§œāĻŋā§Ÿā§‡ āϚāϞ⧇ āϏ⧇āχāϰāĻ•āĻŽ āϕ⧋āĻĨāĻžā§Ÿ Risk āĻ•āϤāϟāĻž āφāϛ⧇ āύāĻž āĻŦ⧁āĻā§‡ āĻĒ⧁āϰāĻžāϤāύ āĻ§ā§āϝāĻžāύ āϧāĻžāϰāύāĻžāϰ āĻŦāĻļāĻŦāĻ°ā§āϤāĻŋ āĻšā§Ÿā§‡ Risk āϕ⧇ āĻĻ⧇āϖ⧇āύāĨ¤ āĻ āĻŋāĻ• āĻāχāϰāĻ•āĻŽ āĻāĻ•āϟāĻŋ āĻĒāϰāĻŋāĻ¸ā§āĻšāĻŋāϤāĻŋ āĻĨ⧇āϕ⧇ āϏāĻžāϧāĻžāϰāύ āĻŽāĻžāύ⧁āώāϕ⧇ āϏāĻšā§‡āϤāύ āĻ•āϰāĻžāϰ āĻĒāϰāĻŋāĻŦāĻ°ā§āϤ⧇ āφāϰāĻ“ āϭ⧟ āϧāϰāĻŋā§Ÿā§‡ āĻĻā§‡ā§Ÿ āϝāĻ–āύ āϤāĻžāϰāĻž Mutual Fund āĻ Invest āĻ•āϰāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āĻĻ⧇āϖ⧇āύ āϏ⧇āĻ–āĻžāύ⧇ āϞ⧇āĻ–āĻž Mutual Fund investments are subject to market risk, read all scheme related documents carefullyāĨ¤ āϝ⧇āĻ–āĻžāύ⧇ āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻŽāĻžāύ⧁āώ⧇āϰ āϧāĻžāϰāύāĻž Market āĻŽāĻžāύ⧇ Share Market, āĻŽāĻžāύ⧇ āϜ⧁⧟āĻž, āϝ⧇āĻ–āĻžāύ⧇ āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻŽāĻžāύ⧁āώ āφāϜāĻ“ Invest āĻ•āϰāĻžāϰ āφāϗ⧇ āĻĒ⧜āĻž āϤ⧋ āĻĻ⧁āϰ⧇āϰ āĻ•āĻĨāĻž āύāĻŋāĻœā§‡āϰ Form āϟāĻžāĻ“ āύāĻŋāĻœā§‡ Fill-up āĻ•āϰ⧇āύ āύāĻž, āϏ⧇āĻ–āĻžāύ⧇ āĻļ⧁āϧ⧁ āĻŽāĻžāĻ¤ā§āϰ āĻāχ āĻ•āĻĨāĻžāϟāĻž āϞāĻŋāϖ⧇ āĻĻāĻŋā§Ÿā§‡ āĻ•āĻžāωāϕ⧇ āĻ•āĻŋāĻ­āĻžāĻŦ⧇ āϏāϤāĻ°ā§āĻ•āĻŋāϤ āĻ•āϰāĻž āĻšā§Ÿ āφāĻŽāĻŋ āφāϜāĻ“ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŋāύāĻžāĨ¤

āφāĻŽāĻžāϰ āĻŽāύ⧇āĻšā§Ÿ āφāϗ⧇ āĻŽāĻžāύ⧁āώāϕ⧇ Risk āĻ•āĻĨāĻžāϟāĻŋāϕ⧇ āĻ­āĻžāϞ⧋ āĻ•āϰ⧇ āĻŦ⧁āĻā§‡ āωāĻ āϤ⧇ āϏ⧁āϝ⧋āĻ— āĻĻāĻžāĻ“ āϤāĻžāϰāĻĒāϰāϤ⧋ āĻŦāĻžāĻ•āĻŋ āĻ•āĻŋāϛ⧁āĨ¤ āϕ⧇āω āĻŽāύ⧇ āĻ•āϰ⧇āύ Capital āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻžāϟāĻžāχ RiskāĨ¤ āφāĻŽāĻŋ āϤāĻžāĻšāϞ⧇ āϤāĻžāϰ āĻ•āĻžāϛ⧇ āϜāĻžāύāϤ⧇ āϚāĻžāχāĻŦ āĻ•āϤ āĻŦāĻ›āϰ⧇āϰ āĻŦāĻž āĻ•āϤ āĻŽāĻžāϏ⧇āϰ āĻŽāĻ§ā§āϝ⧇ Capital āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻžāϰ āĻ•āĻĨāĻžāĻ­āĻžāĻŦāϛ⧇āύ, āĻ•āĻžāϰāύ āφāĻĒāύāĻŋ āĻāĻ•āĻŽāĻžāϏ āĻŦāĻž āĻāĻ• āĻŦāĻ›āϰ⧇āϰ āĻšāĻŋāϏāĻžāĻŦ⧇ āϝ⧇āϟāĻžāϕ⧇ Risk free āĻĻ⧇āĻ–āϛ⧇āύ āϏ⧇āϟāĻžāχ ā§§ā§Ļ āĻŦāĻ›āϰ⧇āϰ āĻšāĻŋāϏāĻžāĻŦ⧇ Risky āĻšā§Ÿā§‡ āϝāĻžāĻšā§āϛ⧇ āύāĻž āϤ⧋ ? āϧāϰ⧁āύ āφāĻĒāύāĻŋ āĻāĻ•āĻŦāĻ›āϰ⧇āϰ āϜāĻ¨ā§āϝ āĻāĻ• āϞāĻžāĻ– āϟāĻžāĻ•āĻž FD āϤ⧇ āϰ⧇āϖ⧇āϛ⧇āύ 8.5% Interest Rate āĻ ( āϧāϰ⧇āύāĻŋāϞāĻžāĻŽ Inflation 9%, Tax Rate 10% ) āϤāĻžāĻšāϞ⧇ āϐ āĻāĻ•āĻŦāĻ›āϰ⧇ Inflation āĻāĻŦāĻ‚ Tax āĻāϰ āĻ•āĻžāϰāύ⧇ Capital Erosion āĻšāĻŦ⧇ āϖ⧁āĻŦ āϏāĻžāĻŽāĻžāĻ¨ā§āϝāχ āĻ•āĻŋāĻ¨ā§āϤ⧁ āϐ āϟāĻžāĻ•āĻžāϟāĻžāχ āϝāĻĻāĻŋ ā§§ā§Ļ āĻŦāĻ›āϰ⧇āϰ āϜāĻ¨ā§āϝ āϰāĻžāĻ–āĻž āĻšā§Ÿ āϤāĻž āĻšāϞ⧇ Capital Protection āĻāϰ āĻĒāϰāĻŋāĻŦāĻ°ā§āϤ⧇ Capital Erosion āĻšāĻŦ⧇ ⧍ā§Ļ% āĻāϰ āĻ“āĻĒāϰāĨ¤ āĻ…āĻ°ā§āĻĨāĻžā§Ž Capital āϟāĻžāϕ⧇ Protect āĻ•āϰāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āϏ⧇āχ Capital āχ āĻ•āĻŽāϛ⧇ āϤāĻŦ⧇ āϏ⧇āϟāĻž āĻšā§‹āϖ⧇āϰ āϏāĻžāĻŽāύ⧇ āĻ•āĻŽāϛ⧇ āύāĻž, āĻšā§‹āϖ⧇āϰ āĻ†ā§œāĻžāϞ⧇ āĻ•āĻŽāϛ⧇āĨ¤


Risk āĻĻ⧁ āϰāĻ•āĻŽā§‡āϰ āĻšāϤ⧇ āĻĒāĻžāϰ⧇ āĻāĻ•āϟāĻž Nominal Risk, āĻ…āĻ°ā§āĻĨāĻžā§Ž āϏ⧋āϜāĻžāϏ⧁āϜāĻŋ āĻšā§‹āϖ⧇āϰ āϏāĻžāĻŽāύ⧇ Capital āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻž, āφāϰ āĻāĻ•āϟāĻž āĻšāϞ Real Risk, āĻ…āĻ°ā§āĻĨāĻžā§Ž āĻšā§‹āϖ⧇āϰ āĻ…āϞāĻ–ā§āϝ⧇ Capital āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻžāĨ¤ āϏāĻŦ āϏāĻŽā§Ÿ āϝāĻžāϕ⧇ Culprit āĻ­āĻžāĻŦāĻž āĻšāĻšā§āϛ⧇ āϏ⧇āχ āφāϏāϞ Culprit āĻ•āĻŋāύāĻž āϏ⧇āϟāĻž āĻŦ⧁āĻā§‡ āύ⧇āĻ“ā§ŸāĻž āĻĒā§āĻ°ā§Ÿā§‹āϜāύāĨ¤ āĻ āĻŋāĻ• āĻāĻ•āχāĻ­āĻžāĻŦ⧇ Interest āĻŦāĻž Return āĻ“ āĻĻ⧁āϰāĻ•āĻŽā§‡āϰ āĻšā§Ÿ, āĻāĻ•āϟāĻž Nominal Rate (Bank, P.O āĻāϰ RD āĻŦāĻž FD āϰ Return), āφāϰ āĻāĻ•āϟāĻž Real Rate (Mutual Fund, Stock āχāĻ¤ā§āϝāĻžāĻĻāĻŋāϰ CAGR Return)āĨ¤ āĻĻ⧇āĻ–āϤ⧇ āĻšāĻŦ⧇ Real Rate of Return āĻ•āĻžāϰāύ āĻāϟāĻž Inflation āĻŦāĻžāĻĻ āĻĻ⧇āĻ“ā§ŸāĻžāϰ āĻĒāϰ ReturnāĨ¤ āϧāϰāĻž āϝāĻžāĻ• Bank Interest Rate 8.5% āφāϰ Inflation Rate 7%, āϤāĻžāĻšāϞ⧇ Real Rate 1.5%, āĻāĻŦāĻžāϰ Tax āĻŦāĻžāĻĻ āĻĒ⧜āϞ⧇ Negative ReturnāĨ¤

Capital Errosion

āϝāĻžāϰāχ Return āφāϛ⧇ āϤāĻžāϰāχ Risk āφāϛ⧇āĨ¤ āϏāĻŦ⧇āϤ⧇āχ Risk āφāϛ⧇, āϕ⧋āĻĨāĻžāĻ“ āĻ•āĻŽ āφāϰ āϕ⧋āĻĨāĻžāĻ“ āĻŦ⧇āĻļāĻŋāĨ¤ āϝāĻ–āύāχ Risk-free Return āĻāϰ āĻĨ⧇āϕ⧇ Consumer Price Index āĻŦāĻž Inflation āĻŦ⧇āĻļāĻŋ āĻšā§Ÿ āϤāĻ–āύāχ āĻ—ā§‹āϞāĻŽāĻžāϞāϟāĻž āĻŦāĻžāϧ⧇āĨ¤ āĻŦ⧇āĻļāĻŋāϰ āĻ­āĻžāĻ— āϖ⧇āĻ¤ā§āϰ⧇āχ āϤāĻžāχ āĻšā§ŸāĨ¤ āĻāĻ•āϟ⧁ Technical āĻ•āĻĨāĻž āĻŦāϞāĻ›āĻŋ, āĻĒā§āϰāĻ¤ā§āϝ⧇āĻ• Investment āĻāϰ āĻ“āĻ āĻž āύāĻžāĻŽāĻžāϰ āĻāĻ•āϟāĻž āĻ—ā§œ (Mean) āĻŦāĻžāϰ āĻ•āϰāĻž āĻšā§Ÿ āĻāĻŦāĻ‚ āϤāĻžāϰāĻĒāϰ āĻĻ⧇āĻ–āĻž āĻšā§Ÿ āĻ“āχ Investment āϟāĻŋ Mean āĻĨ⧇āϕ⧇ āĻ•āϤāϟāĻž āĻ“āĻĒāϰ⧇ āĻŦāĻž āύ⧀āĻšā§‡ āĻ“āĻ āĻž āύāĻžāĻŽāĻž āĻ•āϰ⧇ āĻ“āϟāĻžāϕ⧇ āĻŦāϞāĻž āĻšā§Ÿ Standard DeviationāĨ¤ Risk Measurement āĻāϰ āĻ…āύāĻžāĻ¨ā§āϝ āĻ…āύ⧇āĻ• āĻ•āĻŋāϛ⧁āϰ āĻŽāĻ§ā§āϝ⧇ āĻāϟāĻŋ āĻāĻ•āϟāĻŋ āĻ…āĻ¨ā§āϝāϤāĻŽ āωāĻĒāĻžā§ŸāĨ¤
Risk Return Relationship
āφāĻĒāύāĻŋ āϝāĻĻāĻŋ āĻŦāĻžā§œāĻŋāϤ⧇ āϟāĻžāĻ•āĻž āĻ—āĻšā§āĻ›āĻŋāϤ āĻ•āϰ⧇ āϰāĻžāϖ⧇āύ āϤāĻžāĻšāϞ⧇āĻ“ Risk āφāϛ⧇, āϤāĻž āĻšāϞ Inflation Risk, āĻŽāĻžāύ⧇ āϜāĻŋāύāĻŋāώ āĻĒāĻ¤ā§āϰ⧇āϰ āĻĻāĻžāĻŽ āĻŦā§‡ā§œā§‡ āĻ—āĻŋā§Ÿā§‡ āϟāĻžāĻ•āĻžāϰ Value āĻ•āĻŽā§‡ āϝāĻžāĻ“ā§ŸāĻžāĨ¤ āϤāĻžāϰ āĻŽāĻžāύ⧇ āĻšā§‹āϖ⧇āϰ āϏāĻžāĻŽāύ⧇āϰ Risk āϕ⧇ āφāĻĒāύāĻŋ āϖ⧁āĻŦ āϏāĻšāĻœā§‡āχ āϰ⧁āϖ⧇ āĻĻāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύ āĻ•āĻŋāĻ¨ā§āϤ⧁ āϝ⧇āϕ⧋āύ⧋ Long Term Investment āĻ āĻšā§‹āϖ⧇āϰ āĻ†ā§œāĻžāϞ⧇āϰ Risk āϟāĻžāχ āĻĒā§āϰāϧāĻžāύāĨ¤ Long Term Investment āĻ Risk Management āĻ•āϰāĻž āĻŦāĻŋāĻļ⧇āώ āϜāϰ⧁āϰ⧀āĨ¤ āĻ“āϟāĻž āϕ⧋āύ⧋ Expert Financial Advisor āĻāϰ āĻ•āĻžāϜāĨ¤ āφāĻĒāύāĻŋ Diversify āĻ•āϰ⧇ Risk Manage āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ, āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻ•āϤāϟāĻž āĻāĻŦāĻ‚ āϕ⧋āĻĨāĻžā§Ÿ Diversify āĻ•āϰāĻŦ⧇āύ ? āφāĻĒāύāĻžāϰ āĻŦ⧟āϏ āĻ…āύ⧁āϝāĻžā§Ÿā§€ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Asset Class āĻ Invest āĻ•āϰ⧇ Risk Minimize āĻ•āϰ⧇ āύāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ āϏāĻŦ āĻĨ⧇āϕ⧇ āϝ⧇āϟāĻž āϏ⧋āϜāĻž āωāĻĒāĻžā§Ÿā§‡ Risk āϕ⧇ Control āĻ•āϰāĻž āϝāĻžā§Ÿ āϏ⧇āϟāĻž āĻšāϞ āύāĻŋāĻœā§‡āϰ Goal āĻ…āύ⧁āϝāĻžā§Ÿā§€ SIP āϤ⧇ Invest āĻ•āϰ⧇āĨ¤

āĻ…āύ⧇āϕ⧇āϰ āφāĻŦāĻžāϰ āφāϏāϞ⧇ Risk āϏāĻŽā§āĻŦāĻ¨ā§āϧ⧇ āϕ⧋āύ⧋ āϧāĻžāϰāύāĻžāχ āύ⧇āχ āĻļ⧁āϧ⧁ āĻāĻ•āϟāĻž āĻ§ā§āϝāĻžāύ āϧāĻžāϰāύāĻž āφāϛ⧇ āĻ…āĻŽā§āĻ• āĻ…āĻŽā§āĻ• āϝāĻžā§ŸāĻ—āĻžā§Ÿ Risk āφāϛ⧇, āĻ•āĻŋ Risk, āϕ⧇āύ⧋ Risk āĻāϗ⧁āϞ⧋ āϜāĻžāύāĻž āύ⧇āχāĨ¤ Risk āϕ⧋āύ⧋ Generic Term āύ⧟āĨ¤Finance āĻ Risk āĻ•āĻŋāĻ¨ā§āϤ⧁ āϕ⧋āύ⧋ Illusion āύ⧟āĨ¤ Risk āϕ⧇ Measure āĻ•āϰāĻž āϝāĻžā§ŸāĨ¤ Risk Measurable, Controllable āĻāĻŦāĻ‚ ManageableāĨ¤ āφāĻŽāĻŋ āĻāχ āϧāϰāύ⧇āϰ Risk āύāĻŋā§Ÿā§‡ āϧāĻžāϰāύāĻž āĻ•āĻžāϟāĻžāύ⧋āϰ āĻāĻ•āϟāĻž āωāĻĒāĻžā§Ÿ āĻŦāϞāϤ⧇ āĻĒāĻžāϰāĻŋ, āĻ•āĻžāĻœā§‡ āϞāĻžāĻ—āϤ⧇āĻ“ āĻĒāĻžāϰ⧇āĨ¤ āϧāϰ⧁āύ āφāĻĒāύāĻžāϰ Mutual Fund āϕ⧇ āϖ⧁āĻŦ Risky āϝāĻžā§ŸāĻ—āĻž āĻŽāύ⧇ āĻšā§ŸāĨ¤ āφāĻĒāύāĻŋ āϕ⧋āύ⧋ Liquid Fund āĻ Just 1000 āϟāĻžāĻ•āĻžāϰ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ āϜāĻŽāĻž āĻĻ⧇āĻ“ā§ŸāĻžāϰ āĻāĻ•āĻŦāĻ›āϰ⧇āϰ āϜāĻ¨ā§āϝ SIP āĻ•āϰ⧇ āĻĻ⧇āĻ–āϤ⧇ āĻĒāĻžāϰ⧇āύ, āĻ…āĻŽā§‚āϞāĻ• āϭ⧟ āĻāĻŦāĻ‚ āĻ…āϜāĻžāύāĻž āφāϤāĻ™ā§āĻ• āϕ⧇āĻŸā§‡āϗ⧇āϞ⧇ āĻĒāϰ⧇ āĻ­āĻžāĻŦāĻŦ⧇āύ āφāϗ⧇ āĻāĻ—ā§‹āĻŦ⧇āύ āĻ•āĻŋ āύāĻžāĨ¤ āφāĻĒāύāĻžāϰ āĻ†ā§Ÿā§‡āϰ āĻ•āϤ % āύāĻŋā§Ÿā§‡ āφāĻĒāύāĻŋ āĻĒāϰ⧀āĻ•ā§āĻˇā§āϝāĻž āĻ•āϰāϛ⧇āύ āϭ⧇āĻŦ⧇ āύāĻŋāύāĨ¤ āφāĻĒāύāĻŋ āϝ⧇āϟāĻžāϕ⧇ No Risk āĻŦāϞ⧇ āĻ­āĻžāĻŦ⧇āύ āĻŦāĻž āϜāĻžāύ⧇āύ āĻ…āĻ°ā§āĻĨāĻžā§Ž Bank āĻāϰ āĻĨ⧇āϕ⧇ āĻ•āĻŽ āĻĒāĻžāĻŦ⧇āύ āύāĻž āĻāϟāĻž āĻŦāϞāĻž āϝ⧇āϤ⧇āχ āĻĒāĻžāϰ⧇āĨ¤

āϝ⧇āϕ⧋āύ⧋ Expert Financial Adviser,āĻ•āĻžāωāĻ•ā§‡Â  Investment āĻ•āϰāĻžāύ⧋āϰ āφāϗ⧇ Investor āĻāϰ Risk āύ⧇āĻŦāĻžāϰ āĻ–āĻŽāϤāĻž (Risk appetite) āĻŦ⧁āĻā§‡ āύ⧇āύ, āĻ•āĻŋāϛ⧁ āĻĒā§āϰāĻļā§āύ āωāĻ¤ā§āϤāϰ⧇āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡āĨ¤ āφāϰ Financial Planning āĻ Risk management āĻāĻ•āϟāĻž āĻŦ⧜ PartāĨ¤

āφāĻŽāĻŋ āφāĻŽāĻžāϰ āĻ…āĻ­āĻŋāĻœā§āĻžāϤāĻžā§Ÿ āĻĻ⧇āϖ⧇āĻ›āĻŋ āϝāĻžāϰāĻž Goal āĻ…āύ⧁āϝāĻžā§Ÿā§€ Invest āĻ•āϰ⧇āύ āύāĻž āϤāĻžāϰāĻž Product āĻāϰ āĻĒāĻŋāĻ›āύ⧇ āĻĻ⧌⧜āĻžāύ āϤāĻ–āύāχ āĻšā§Ÿ āϏāĻŽāĻ¸ā§āϝāĻžāĨ¤ āϕ⧇āω āĻĻ⧌⧜āĻžāύ āĻ•āĻŽ NAV āĻāϰ āĻĒāĻŋāĻ›āύ⧇, āϕ⧇āω Dividend āĻāϰ āĻĒāĻŋāĻ›āύ⧇, āϕ⧇āω āϕ⧋āύ⧋ āĻāĻ•āϟāĻž Story āϰ āĻĒāĻŋāĻ›āύ⧇āĨ¤ āϝ⧇āĻŽāύ 2007-08 āϏāĻžāϞ⧇ Insurance ULIP āĻāĻŦāĻ‚ Infrastructure āĻāϰ Story āĻ…āύ⧇āĻ•āϕ⧇āχ āĻĄā§āĻŦāĻŋā§Ÿā§‡āϛ⧇āĨ¤ āĻāĻ–āύ āφāĻŦāĻžāϰ āĻ…āύ⧇āϕ⧇ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Website āĻāϰ Advice āĻĻ⧇āϖ⧇ Invest āĻ•āϰāϤ⧇ āϚāĻžā§Ÿ, āĻ“āĻ–āĻžāύ⧇āĻ“ āĻ•āĻŋāĻ¨ā§āϤ⧁ āφāĻĒāύāĻŋ āφāĻĒāύāĻžāϕ⧇ āϜāĻžāύ⧇āύ āύāĻž, āĻšā§‡āύ⧇āύ āύāĻž, āφāĻĒāύāĻžāϰ Risk āύ⧇āĻŦāĻžāϰ āĻ–āĻŽāϤāĻž āϤāĻŋāύāĻŋ āϜāĻžāύ⧇āύ āύāĻž, āφāĻĒāύāĻžāϰ Investment āĻāϰ Return āĻ­āĻžāϞ⧋ āĻšāϞ⧇āĻ“ āϤāĻžāϰ āϕ⧋āύ⧋ āϞāĻžāĻ­ āύ⧇āχ āφāĻŦāĻžāϰ āϞ⧋āĻ•āϏāĻžāύ āĻšāϞ⧇āĻ“ āϕ⧋āύ⧋ āϞ⧋āĻ•āϏāĻžāύ āύ⧇āχ, āϤāĻžāϕ⧇āχ āĻ­āϰāϏāĻž āĻ•āϰ⧇ āĻāĻ—ā§‹āĻšā§āϛ⧇āύāĨ¤ āĻŽāĻžāĻĨāĻžā§Ÿ āϰāĻžāĻ–āĻŦ⧇āĻ¨Â  āϐ Website āϟāĻŋāχ āĻšā§ŸāϤ āĻ•āĻŋāϛ⧁ āϏāĻŽā§Ÿ āĻĒāϰ āφāĻŦāĻžāϰ āĻ…āĻ¨ā§āϝ Fund Recommend āĻ•āϰāĻŦ⧇āĨ¤ Fund āϟāĻŋ āĻ āĻŋāĻ• āĻ­āĻžāĻŦ⧇ āĻāĻ—ā§‹āĻšā§āϛ⧇ āĻ•āĻŋāύāĻž āϤāĻžāϰ Review āĻāϰāĻ“ āϕ⧋āύ⧋ āĻŦā§āϝāĻŦāĻ¸ā§āĻšāĻž āĻĨāĻžāĻ•āϛ⧇ āύāĻžāĨ¤

āĻ…āύ⧇āϕ⧇ āϖ⧁āĻŦ āĻĒāĻ›āĻ¨ā§āĻĻ āĻ•āϰ⧇āύ Top rating āĻŦāĻž Top Performer Fund āĻ āϝāĻžāϤ⧇ Return āϏāĻŦāĻĨ⧇āϕ⧇ āĻŦ⧇āĻļāĻŋ āϤāĻžāϤ⧇ Invest āĻ•āϰāϤ⧇āĨ¤ āĻŽāĻžāĻĨāĻžā§Ÿ āϰāĻžāĻ–āĻŦ⧇āύ Performance Rotates, āφāϜ āϝ⧇ āωāĻĒāϰ⧇ āĻ•āĻžāϞ āϏ⧇ āύ⧀āĻšā§‡ā§Ÿ āϚāϞ⧇ āϝāĻžāĻŦ⧇ āύāĻž āĻāĻŽāύ āϕ⧋āύ⧋ āĻ•āĻŋ āύāĻŋāĻļā§āϚ⧟āϤāĻž āφāϛ⧇? Technical Knowledge āĻĨāĻžāĻ•āϞ⧇ āφāĻĒāύāĻŋāĻ“ āĻŦāĻŋāϚāĻžāϰ āĻ•āϰ⧇ āύāĻŋāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ āϝ⧇ āϐ Fund āĻāϰ Fund Manager āĻ•āĻŽ āϏāĻ‚āĻ–ā§āϝāĻ• Stock āĻ āĻ āĻŋāĻ• Call āĻĻāĻŋā§Ÿā§‡ āĻŦ⧇āĻļāĻŋ Return generate āĻ•āϰāϛ⧇āύ āύāĻž āĻ…āύ⧇āĻ• āϏāĻ‚āĻ–ā§āϝāĻ• Stock āĻ Long term Call āύāĻŋā§Ÿā§‡ Fund āϟāĻŋ āĻĒāϰāĻŋāϚāĻžāϞāύāĻž āĻ•āϰāϛ⧇āύāĨ¤ Website āφāĻĒāύāĻžāϕ⧇ āϕ⧋āύ⧋ āϏāĻžāĻšāĻžāĻ¯ā§āϝāχ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇ āύāĻžāĨ¤ āĻāĻ•āϜāύ Experienced technically sound Financial Adviser āφāĻĒāύāĻžāϕ⧇ āϖ⧁āĻŦ āĻ­āĻžāϞ⧋āĻ­āĻžāĻŦ⧇ Help āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤

āĻŽāύ⧇ āϰāĻžāĻ–āĻŦ⧇āύ Risk āφāϰ Return āĻāϕ⧇ āĻ…āĻĒāϰ⧇āϰ āϏāĻ™ā§āϗ⧇ āϝ⧁āĻ•ā§āϤāĨ¤ āϤāĻžāχ āφāĻŽāĻžāϰ āĻŽāϤ āĻļ⧁āϧ⧁ Risk āύāĻŋā§Ÿā§‡ āύāĻž āϭ⧇āĻŦ⧇ āϝ⧇ āϕ⧋āύ⧋ Financial Planner āĻāϰ āϏāĻ™ā§āϗ⧇ āĻŦāϏ⧇ āύāĻŋāĻœā§‡āϰ Goal āϗ⧁āϞāĻŋāϕ⧇ āύāĻŋā§Ÿā§‡ āφāϞ⧋āϚāύāĻž āĻ•āϰ⧇ āϤāĻžāϰ āϏāĻ™ā§āϗ⧇ āϏāĻšāϝ⧋āĻ—āĻŋāϤāĻž āĻ•āϰ⧇ āĻāĻ—āĻŋā§Ÿā§‡ āϚāϞ⧁āύ, āĻāĻŦāĻ‚ āĻāĻ•āϟāĻž āύāĻŋāĻ°ā§āĻĻāĻŋāĻˇā§āϟ āĻŦāĻ›āϰ āĻ…āĻ¨ā§āϤāϰ Goal Investment āϟāĻŋ Review āĻ•āϰ⧇ āĻĻ⧇āϖ⧇ āύāĻŋāύ āϏāĻŦ āĻ āĻŋāĻ• āφāϛ⧇ āĻ•āĻŋāύāĻžāĨ¤

āϖ⧁āĻŦ āϛ⧋āĻŸā§‹ āĻ•āϰ⧇ āĻāĻŦāĻ‚ āϝāϤāϟāĻž āϏāĻšāϜ āĻ•āϰ⧇ āϏāĻŽā§āĻ­āĻŦ āϏāĻŽāĻ¸ā§āϤ Technical Jargon āĻŦāĻžāĻĻ āĻĻāĻŋā§Ÿā§‡ āĻŦā§‹āĻāĻžāύ⧋āϰ āĻāĻ•āϟāĻž āĻšā§‡āĻˇā§āϟāĻž āĻ•āϰāϞāĻžāĻŽāĨ¤ āφāĻĒāĻžāϰ āĻŽāϤāĻžāĻŽāϤ āϜāĻžāύāĻžāϞ⧇ āφāϰāĻ“ āĻ•āĻŋāϛ⧁ āĻŦāϞāĻž āϝ⧇āϤ⧇āχ āĻĒāĻžāϰ⧇āĨ¤

Related Blogs

Prioritize Your Retirement Planning Without Delay (Bengali)

āφāĻŽāĻŋ āφāĻŽāĻžāϰ āĻ…āĻ­āĻŋāĻœā§āĻžāϤāĻžāϝāĻŧ āĻĻ⧇āϖ⧇āĻ›āĻŋ āϝ⧇ āϏāĻŦāĻĨ⧇āϕ⧇ āĻĒā§āϰāϝāĻŧā§‹āϜāύ⧀āϝāĻŧ āĻāĻŦāĻ‚ āĻœā§€āĻŦāύ⧇āϰ āϏāĻŦāĻĨ⧇āϕ⧇ āϏāĻŦāĻĨ⧇āϕ⧇ āϗ⧁āϰ⧁āĻ¤ā§āĻŦāĻĒā§‚āĻ°ā§āĻŖ āĻāĻ•āϟāĻž āĻŦāĻŋāώāϝāĻŧ āĻšāϞ Retirement

Read More

Financial Planning In Changing Economy (Bengali)

1947 āϏāĻžāϞ⧇āϰ āĻ¸ā§āĻŦāĻžāϧ⧀āύāϤāĻž āĻĒā§āϰāĻžāĻĒā§āϤāĻŋāϰ āĻĒāϰ āĻĨ⧇āϕ⧇ 80āϰ āĻĻāĻļāϕ⧇āϰ āĻļ⧇āώ āĻĒāĻ°ā§āĻ¯ā§āϝāĻ¨ā§āϤ āφāĻŽāĻžāĻĻ⧇āϰ āĻĻ⧇āĻļ⧇āϰ āĻ…āĻ°ā§āĻĨāύ⧀āϤāĻŋ āĻ›āĻŋāϞ āϏāϰāĻ•āĻžāϰ āĻĻā§āĻŦāĻžāϰāĻž

Read More

Call Us

or

Our phone lines are available from Monday to Friday 10 AM to 6PM and Saturday from 10 AM to 3PM.

Are You Having Any

Financial Queries? Problems?

If you are looking for expert help on your financial problems,
then here’s your chance to book a FREE personal consultation with our expert Wealth Coaches.

15 thoughts on “Risk Planning”

  1. āĻĻ⧇āĻŦāĻžāĻļāĻŋāϏ āωāĻ•āĻŋāϞ

    āφāĻŽāĻŋ āφāύ⧁āĻŽāĻžāύāĻŋāĻ• ⧍ā§Ļā§Ļā§­ āϏāĻžāϞ āĻĨ⧇āϕ⧇ āϰāĻžā§Ÿ āĻŦāĻžāĻŦ⧁āϰ āϏāĻžāĻĨ⧇ Associated, āφāĻŽāĻŋ āĻ“āύāĻžāϰ Change āϟāĻž āĻšā§‹āϖ⧇āϰ āϏāĻžāĻŽāύ⧇ āĻĨ⧇āϕ⧇ āĻĻ⧇āĻ–āĻ›āĻŋ āĨ¤ āĻāϰ āφāϗ⧇ āφāĻŽāĻŋ āĻ…āύ⧇āĻ• āĻŽāĻžāύ⧁āώāϕ⧇ Financial Mediator āĻāϰ āĻ•āĻžāϜ āĻ•āϰāϤ⧇ āĻĻ⧇āϖ⧇āĻ›āĻŋ , āϤāĻžāϰāĻž āϏāĻŦāĻžāχ āĻ›āĻŋāϞ Investment Centric , Product centric , āφāĻŽāĻŋ āĻ•āϤāϟāĻžāĻ•āĻž Invest āĻ•āϰāϞāĻžāĻŽ āĻ“āϟāĻžāϰ āωāĻĒāϰ āϤāĻžāĻĻ⧇āϰ āϞāĻ•ā§āĻˇā§āϝ āĻŦ⧇āĻļāĻŋ āĻĨāĻžāĻ•āϤ⧋āĨ¤ āĻ…āĻĒāϰāĻĻāĻŋāϕ⧇ āϰāĻžā§Ÿ āĻŦāĻžāĻŦ⧁āϕ⧇ āĻĻ⧇āĻ–āĻŋ āĻĒ⧁āϰ⧋āĻĒ⧁āϰāĻŋ āφāϞāĻžāĻĻāĻž , āωāύāĻŋ āϖ⧁āĻŦ āĻŦ⧇āĻļāĻŋ Investor Centric , Goal Centric , Plan Centric , āφāĻŽāĻŋ āĻāϰ āφāϗ⧇ āĻ•āĻžāωāϕ⧇ āĻāĻŽāύ āĻĻ⧇āĻ–āĻŋāύāĻŋ āϝ⧇ āφāĻŽāĻžāĻĻ⧇āϰ āĻ­āĻžāϞ⧋āϰ āϜāĻ¨ā§āϝ āĻĒā§āϰāϤāĻŋāύāĻŋ⧟āϤ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ āϧāϰāύ⧇āϰ Awareness āϞ⧇āĻ–āĻž āϞāĻŋāϖ⧇ āϚāϞ⧇āϛ⧇āύ āĨ¤ āφāϜāϕ⧇āϰ āϝ⧁āϗ⧇ āĻāϟāĻž āĻ…āύ⧇āĻ• āĻŦ⧜ āĻĒāĻžāĻ“ā§ŸāĻž āĻŦāϞ⧇ āφāĻŽāĻžāϰ āĻŽāύ⧇ āĻšā§Ÿ āĨ¤
    āĻ“āύāĻžāϰ āϏāĻŦāĻšā§‡ā§Ÿā§‡ āĻŦ⧜ āϗ⧁āĻŖ āĻšāϞ āωāύāĻŋ āϝāĻĻāĻŋ āĻ•āĻŋāϛ⧁ āϭ⧁āϞ āĻ•āϰ⧇ āĻĨāĻžāϕ⧇āύ āϏ⧇āϟāĻž āϝ⧇āχ āĻŽā§āĻšā§‚āĻ°ā§āϤ⧇ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰ⧇āύ āϏ⧇āϟāĻžāϕ⧇ Rectify āĻ•āϰ⧇ āύ⧇āĻŦāĻžāϰ āϜāĻ¨ā§āϝ āϏ⧋āϜāĻžāϏ⧁āϜāĻŋ Confess āĻ•āϰ⧇āύ , āĻāĻŦā§āϝāĻĒāĻžāϰ⧇ āĻ“āύāĻžāϰ āϜ⧁⧜āĻŋ āĻŽā§‡āϞāĻž āĻ­āĻžāϰ āĨ¤ āφāϰ āĻāĻ•āϟāĻž āĻŦā§āϝāĻžāĻĒāĻžāϰ āĻšāϞ āωāύāĻŋ Client āĻāϰ āĻŦā§āϝāĻžāĻĒāĻžāϰ⧇ āĻ­ā§€āώāύ Serious āĨ¤
    āϤāĻžāχ āφāĻŽāĻžāϰ āϏāύāĻŋāĻ°ā§āĻŦāĻ¨ā§āϧ āĻ…āύ⧁āϰ⧋āϧ āϏāĻ•āϞāϕ⧇ ( āφāĻŽāĻŋ āϜāĻžāύāĻŋ āύāĻž āĻāϟāĻž āφāĻŽāĻžāϰ āĻ•āϰāĻž āĻ āĻŋāĻ• āĻšāĻšā§āϛ⧇ āĻ•āĻŋāύāĻž ) āĻĻ⧟āĻž āĻ•āϰ⧇ āφāĻŽāϰāĻž āϝāĻžāϰāĻž āĻāχ āϞ⧇āĻ–āĻžāϗ⧁āϞ⧋ āύāĻŋ⧟āĻŽāĻŋāϤ āĻĒā§œā§‡ āωāĻĒāĻ•ā§ƒāϤ āĻšāχ , āϤāĻžāϰāĻž āĻ“āύāĻžāϰ āϏāĻŽā§āĻŦāĻ¨ā§āϧ⧇ āĻ•āĻŋāϛ⧁ āĻ…āĻ¨ā§āϝāĻĻ⧇āϰ āϜāĻžāύāĻŋāϝāĻŧ⧇ āύāĻŋāĻœā§‡āϰāĻž āĻ•āĻŋāϛ⧁āϟāĻž āĻšāϞ⧇āĻ“ āĻ“āύāĻžāϕ⧇ āĻ•ā§ƒāϤāĻœā§āĻžāϤāĻž āϜāĻžāύāϤ⧇ āĻĒāĻžāϰāĻŋ āĨ¤

    1. āĻ…āϏāĻ‚āĻ–ā§āϝ āϧāĻ¨ā§āϝāĻŦāĻžāĻĻ āφāĻĒāύāĻžāϕ⧇ āĻĻ⧇āĻŦāĻžāĻļā§€āϏ āĻŦāĻžāĻŦ⧁āĨ¤ āĻĻ⧇āϖ⧁āύ āϏāĻ¤ā§āϝāĻŋ āĻ•āĻĨāĻž āĻŦāϞāϤ⧇ āĻāϟāĻžāχ āφāĻŽāĻžāϰ āĻ•āĻžāϜ, āĻāϤ⧇ āĻĒā§āϰāĻļāĻ‚āϏāĻž āĻ•āϰāĻžāϰ āĻ•āĻŋāϛ⧁ āύ⧇āχāĨ¤

      āĻāχ āĻ…āĻŦāϏāϰ⧇ āĻĻ⧁ āĻāĻ•āϟāĻž āĻ•āĻĨāĻž āϜāĻžāύāĻŋā§Ÿā§‡ āϰāĻžāĻ–āϞ⧇ āĻŽāĻ¨ā§āĻĻ āĻšā§Ÿ āύāĻžāĨ¤ āφāĻŽāĻŋāĻ“ āĻĒā§āϰāĻĨāĻŽā§‡ Product Selling āĻāϰāχ āĻ•āĻžāϜāχ āĻ•āϰāϤāĻžāĻŽ, āĻ•āĻŋāĻ¨ā§āϤ⧁ āϤāĻžāϤ⧇ āĻŽāύ⧇ āĻ āĻŋāĻ• āĻļāĻžāĻ¨ā§āϤāĻŋ āĻ›āĻŋāϞ āύāĻžāĨ¤ āφāĻŽāĻŋ āĻĻ⧇āĻ–āϞāĻžāĻŽ Product āĻāϰ āĻ“āĻĒāϰ āĻ­āϰāϏāĻž āĻ•āϰ⧇ Investor āĻāϰ āϝāĻž āωāĻĒāĻ•āĻžāϰ āĻšāĻšā§āϛ⧇ āϤāĻžāϰ āĻĨ⧇āϕ⧇ āĻŦ⧇āĻļāĻŋ āϞāĻžāĻ­ āĻšāĻšā§āϛ⧇ Product Manufacturer āĻāϰ āφāϰ āϝ⧇ Product āϟāĻž Offer āĻ•āϰāϛ⧇ āϤāĻžāϰāĨ¤ āύāĻŋāĻœā§‡āϰ āĻ•āϰāĻž āϭ⧁āϞ āϗ⧁āϞ⧋ āφāĻŽāĻžāϕ⧇ āϤāĻžā§œāĻŋā§Ÿā§‡ āύāĻŋā§Ÿā§‡ āĻŦā§‡ā§œāĻžāĻšā§āĻ›āĻŋāϞ⧋āĨ¤ āφāĻŽāĻŋ āύāĻŋāĻœā§‡āϕ⧇ āĻāĻ•āϜāύ Investor āĻāϰ āϝāĻžā§ŸāĻ—āĻžā§Ÿ āϰ⧇āϖ⧇ āωāĻ¤ā§āϤāϰ āϖ⧁āρāϜāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āĻĻ⧇āĻ–āϞāĻžāĻŽ āφāĻŽāĻžāĻĻ⧇āϰ āĻĻ⧇āĻļ⧇ āĻĒā§āϰāĻžā§Ÿ ⧍ā§Ļ āϞāĻžāĻ– āĻāϰ āĻ“āĻĒāϰ Financial Intermediaries āĻ°ā§Ÿā§‡āϛ⧇āύ āĻāĻŦāĻ‚ āĻšā§Ÿ āϤāĻžāϰāĻž Insurance, Mutual fund, Post office product Sell āĻ•āϰāϛ⧇āύ āύāĻžāĻšāϞ⧇ De mat Account āĻŦāĻž Share āϏāĻ‚āĻ•ā§āϰāĻžāĻ¨ā§āϤ āĻ•āĻžāϜ āĻ•āϰāϛ⧇āύāĨ¤ āϏāĻ•āϞ⧇āχ āĻĒā§āϰāĻžā§Ÿ Product āϕ⧇āĻ¨ā§āĻĻā§āϰ⧀āĻ•āĨ¤ Investor āĻāϰ Goal, Purpose, āĻ­āĻŦāĻŋāĻˇā§āĻ¯ā§Ž āĻāϗ⧁āϞ⧋ āύāĻŋā§Ÿā§‡ āĻ­āĻžāĻŦāύāĻžāϰ āϕ⧋āύ⧋ āĻŦā§āϝāĻŦāĻ¸ā§āĻšāĻž āύ⧇āχāĨ¤

      āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ āĻ­āĻžāĻŦ⧇ āĻĒ⧜āĻžāĻļā§‹āύāĻž āĻ•āϰ⧇ Goal āĻŦāĻž Purpose āĻ…āύ⧁āϝāĻžā§Ÿā§€ āĻ•āĻžāϜ āĻ•āĻŋāĻ­āĻžāĻŦ⧇ āĻ•āϰāϤ⧇ āĻšā§Ÿ āĻļāĻŋāĻ–āϞāĻžāĻŽāĨ¤ āϤāĻžāϤ⧇āĻ“ āĻŽāύ āĻ āĻŋāĻ• āĻ­āϰāĻ›āĻŋāϞ āύāĻžāĨ¤ āϤāĻ–āύ āĻĻ⧇āĻ–āϞāĻžāĻŽ āĻāϟāĻžāϕ⧇ āφāϰāĻ“ āĻŦāĻŋāĻœā§āĻžāĻžāύ āϏāĻŽā§āĻŽāϤ āĻ­āĻžāĻŦ⧇ āĻ•āϰāϤ⧇ āϗ⧇āϞ⧇ āφāĻŽāĻžāϕ⧇ Certified Financial Planning Course āĻĒāĻžāĻļ āĻ•āϰāϤ⧇ āĻšāĻŦ⧇ āĻāĻŦāĻ‚ āĻļāĻŋāĻ–āϤ⧇ āĻšāĻŦ⧇āĨ¤ āφāĻŽāĻžāĻĻ⧇āϰ āĻĻ⧇āĻļ⧇ āϝāĻžāϰ āϏāĻ‚āĻ–ā§āϝāĻž āϖ⧁āĻŦāχ āύāĻ—āĻ¨ā§āϝ āĻŦāĻž āĻšāĻžāϤ⧇ āĻ—ā§‹āύāĻžāĨ¤ āφāĻŽāĻžāϰ āĻŦ⧟āϏ āĻĒā§āϰāĻĨāĻŽ āĻĻāĻŋāϕ⧇ āφāĻŽāĻžāϕ⧇ āĻŦāĻžāϧāĻž āĻĻāĻŋāϞ⧇āĻ“ āĻĒāϰāĻŦāĻ°ā§āϤāĻŋāϤ⧇ āφāĻŽāĻŋ āϏāĻĢāϞ āĻšāϞāĻžāĻŽāĨ¤ āĻ…āĻŦāĻļ⧇āώ⧇ āφāĻŽāĻŋāĻ“ āϐ Minority āĻĻ⧇āϰ āĻĻāϞ⧇āχ āĻĸ⧁āϕ⧇ āϗ⧇āϞāĻžāĻŽāĨ¤ āĻāĻ–āύ āφāĻŽāĻŋ āĻ…āύ⧇āĻ•āϟāĻž ConfidentāĨ¤ āφāϜ āφāĻŽāĻžāϰ āĻĒā§āϰāĻšā§‡āĻˇā§āϟāĻž āϚāϞāϛ⧇ āĻāĻ•āϜāύ⧇āϰ Wealth Creation āĻ•āϰāĻžāϰ āĻĒāϰ āϏ⧇āχ Wealth āϟāĻž āĻ•āĻŋāĻ­āĻžāĻŦ⧇ Manage āĻ•āϰāĻž āϝāĻžā§Ÿ āĻŦāĻž āĻāĻ•āϜāύ⧇āϰ Total Portfolio āĻ•āĻŋāĻ­āĻžāĻŦ⧇ Risk Free āĻ­āĻžāĻŦ⧇ Manage āĻ•āϰāϤ⧇ āĻšā§Ÿ āϤāĻž āĻļ⧇āĻ–āĻžāϰāĨ¤

      āφāϰ āĻāχ āϞ⧇āĻ–āĻžāϰ āĻŦā§āϝāĻĒāĻžāϰāϟāĻž āĻĒ⧁āϰ⧋āĻĒ⧁āϰāĻŋ Awareness āĻāϰ āϜāĻ¨ā§āϝāĨ¤ āĻĒā§āϰāĻžā§Ÿ āĻāĻ•āĻŦāĻ›āϰ āĻšāϞ⧋ āĻāχāϞ⧇āĻ–āĻžāϰ āĻ•āĻžāϜāϟāĻž āϚāϞāϛ⧇āĨ¤ āĻāĻ–āĻžāύ āĻĨ⧇āϕ⧇ āφāĻŽāĻžāϰ āϏ⧇āχāĻ­āĻžāĻŦ⧇ āĻĒāĻžāĻ“ā§ŸāĻžāϰ āĻ•āĻŋāϛ⧁ āύ⧇āχāĨ¤āĻ…āύ⧇āĻ• āϏāĻŽāχ āĻ…āύ⧇āϕ⧇āϰ āĻŽāϤāĻžāĻŽāϤ āϝ⧇āĻŽāύ āφāĻŽāĻžāϕ⧇ āφāϰ⧋ āĻ‰ā§ŽāϏāĻžāĻšāĻŋāϤ āĻ•āϰ⧇ āĻāĻ—āĻŋā§Ÿā§‡ āϝ⧇āϤ⧇ āĻ āĻŋāĻ• āϤ⧇āĻŽāύāĻŋ āĻ…āύ⧇āϕ⧇āϰ āĻ•āĻžāĻ›āĻĨ⧇āϕ⧇ āĻŽāϤāĻžāĻŽāϤ āύāĻž āĻĒā§‡ā§Ÿā§‡ āϭ⧟ āĻšā§Ÿ āφāĻŽāĻŋ āĻ•āĻžāϰ⧁āϰ āĻŦāĻŋāϰāĻ•ā§āϤāĻŋāϰ āĻ•āĻžāϰāύ āϘāϟāĻ›āĻŋāύāĻžāϤ⧋? āφāĻŽāĻŋ āϜāĻžāύāĻŋ āĻ…āύ⧇āϕ⧇āχ āĻ­ā§€āώāύ āĻŦā§āϝāĻ¸ā§āϤ āĻĨāĻžāϕ⧇āύ āϤāĻžāχ āχāĻšā§āĻ›āĻž āĻĨāĻžāĻ•āϞ⧇āĻ“ āϕ⧋āύ⧋ Comment āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ āύāĻžāĨ¤ āϝāĻĻāĻŋ Just ā§Ģ āĻŽāĻŋāύāĻŋāϟ āϏāĻŽā§Ÿā§‡āϰ āĻāĻ•āϟāĻž āφāĻĒāύāĻžāϰ Comments ( āφāĻŽāĻžāϰ āϜāĻ¨ā§āϝ āύ⧟ ) āĻ…āĻ¨ā§āϝ āϕ⧋āύ⧋ āĻŦā§āϝāĻ•ā§āϤāĻŋāϕ⧇ āϕ⧋āύ⧋āĻ­āĻžāĻŦ⧇ āωāĻĒāĻ•ā§ƒāϤ āĻ•āϰ⧇ āϏ⧇āϟāĻž āύāĻŋāĻļā§āϚ⧟ āϖ⧁āĻŦ āĻ–āĻžāϰāĻžāĻĒ āĻšāĻŦ⧇ āύāĻžāĨ¤

      āφāĻŽāĻŋ āĻĻ⧇āϖ⧇āĻ›āĻŋ āĻ…āύ⧇āĻ• āĻŽāĻžāύ⧁āώ⧇āϰ Minimum Financial āϧāĻžāϰāύāĻžāϰ āĻ…āĻ­āĻžāĻŦ⧇ āφāϜāĻ“ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Bank, Broker House, āĻŦāĻž āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Product Seller āĻāϰ āĻ•āĻžāϛ⧇ āĻœā§āĻžāĻžāύāϤ āĻŦāĻž āĻ…āĻœā§āĻžāĻžāύāϤāĻž āĻŦāĻļāϤ āĻ•āĻŋāĻ­āĻžāĻŦ⧇ āĻĒā§āϰāϤāĻžāϰāĻŋāϤ āĻšāĻšā§āϛ⧇āύāĨ¤ āĻ•āĻŋāϛ⧁ āĻĒ⧁āϰāĻžāϤāύ āĻ§ā§āϝāĻžāύāϧāĻžāϰāύāĻžāϕ⧇ āĻĒāϰāĻŋāĻŦāĻ°ā§āϤāύ āĻ•āϰāϤ⧇ āύāĻž āĻĒāĻžāϰāĻžāϰ āĻĢāϞ⧇ āĻ•āϤ Family āϰ Goal āϚāĻŋāϰāĻ•āĻžāϞ āĻ…āĻĒā§‚āĻ°ā§āĻŖāχ āĻĨ⧇āϕ⧇ āϝāĻžāĻšā§āϛ⧇āĨ¤

      āφāĻĒāύāĻžāϰāĻžāĻ“ āφāĻĒāύāĻžāĻĻ⧇āϰ āĻŽāϤāĻžāĻŽāϤ Share āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ āύāĻŋāĻœā§‡āϰ āĻ•āĻĨāĻž āĻŦāϞ⧇ āφāĻĒāύāĻžāϰ āϏāĻŽā§Ÿ āύāĻˇā§āϟ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻŽāĻžāĻĒ āĻšā§‡ā§Ÿā§‡ āύāĻŋāϞāĻžāĻŽāĨ¤

  2. Asadhron Dada. Sottikotha bolte gele amader knowledge,attitude sob I apni palte diechen. Ami mutual fund e invest suru kori 2000 sal theke. Tokhon prai kono solid concept charai,karon tokhon jini agent hisebe amar kache Chilean tar dhrona bodhhoy amar thekeo kom chilo ,sudhu kichu product at tar commission niei Tini bhabten. Tai Ami nije theke kichu information newspaper theke collect Kore segulo nijer buddimoto khojkhabor Kore trial and error method e mutual fund choose kortam. Aj porjonto kothao besh profit peyechi,kotao kom ,kintu direct capital erosion hoyni. Tarp or hothat apnar touch e asa,bodhhoy 2010 er surute…Ami jemon chaichilam..jini amake egie nie jaben,amar koutuhol er utttor debar chesta korben,prosnota boka boka holeo ektu gurutto die bhabben…bojhaben kon dike bhable awareness ta sothik hobe. Amra emon ekjon teacher peye bhagyoban…kokhono mone hoy around age jogajog hole bhalo hoto..Jack better late than never! Ajker topic ta abhinobo.. Risk factor o tar management investment er khetre khub I important… aro input hole bhalo hoy. Amra apnar theke er technicalities gulo bujhe nite chesta korbo around egie jabar jonno. Thanks Dada.

  3. Good subject. But I am totally confused with the selection of fund. Can you suggest the top 20 fund in Mutual fund?
    As you told that today’s top 20 may change next year then?
    We have to shift our fund to another fund or not?

  4. Asokda’, apnar lekha gulo sotti anoboddo, bhison educational ebong darun upokari notun investor der jonneo. Amader deshe investment bolte sadharon manush Saroda’r bhut dekhe, afsos etai je amader moto beshir bhag manusher financial jogot niye kono sadharon dharona e nei. Apni exceptionally Bhalo kaaj korchen….. Best wishes!

    1. Dr Bose āĻ…āϏāĻ‚āĻ–ā§āϝ āϧāĻ¨ā§āϝāĻŦāĻžāĻĻāĨ¤ āĻāϤāĻĻ⧁āϰ⧇ USA āĻāϰ āĻŽāϤ āϝāĻžā§ŸāĻ—āĻžā§Ÿ āĻĨ⧇āϕ⧇ āĻāĻŦāĻ‚ āφāĻŽāĻŋ āϜāĻžāύāĻŋ āφāĻĒāύāĻžāϕ⧇ āĻ•āĻŋ āĻŦā§āϝāĻ¸ā§āϤāϤāĻžāϰ āĻŽāĻ§ā§āϝ⧇ āĻĨāĻžāĻ•āϤ⧇ āĻšā§Ÿ āϤāĻžāϤāĻ“ āϝ⧇ āφāĻĒāύāĻŋ āĻŽāĻ¨ā§āϤāĻŦā§āϝ āĻ•āϰ⧇āύ āĻāϟāĻž āϏāĻ¤ā§āϝāĻŋāχ āĻļāĻŋāĻ•ā§āĻˇā§āϝāĻ¨ā§€ā§ŸāĨ¤

  5. Dr Prasenjit Baidya

    Previous days I have no knowledge properly about investment but now I am much sound due to these articles. Thanks a lot for all these articles. And one more thing that Mr. Roy really a very good guide as well as writter also.

  6. Arindam Bhattacharya

    I was also chasing after NAV and Profitability, but Ashok da teaches me there should be some financial planned goal in short term basis and long term basis which could minimise our various type of risk. Without plan and goal no body can reach his destination. Ashok Da you are the only person who aware me and literate me regarding financial goal and risk. Many things still unknown to me…. I hope with your guidance I will make myself more aware. Thanks Ashok Da.

  7. As a Certified Financial Planner, your vision is to inspire common people to take action and plan for their financial future through topics ranging from financial planning, retirement planning and wealth accumulation and preservation. Kudos to Asoke da for his continuous endeavor for excellence.

  8. Tarun Kr. Pandit

    Thanks! Dada, Thanks! Apnar lekhagulo jato porchhi tatoi abak hochhi eai bhebe je apnar sange aro age jogajog hole khube upokrita hotam.

    1. Thanks everybody. There are so many people who are not able to write any comments. Again thanks everybody.

  9. shiladitya sinha

    Roy Babu now I am following your blogs regularly & thank you for your association only which makes me serious about investment.

Leave a Comment

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Scroll to Top