Generated by All in One SEO v4.9.4.1, this is an llms.txt file, used by LLMs to index the site. # ARTHA FinPlan Best Financial Planner from Ratnagiri and Pune ## Sitemaps - [XML Sitemap](https://arthafinplan.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [FIVE IMPORTANT TAKEAWAYS FROM BUDGET 2026!](https://arthafinplan.com/five-important-takeaways-from-budget-2026/) - Budget 2026 highlights: direct tax updates, New Income Tax Act 2025, AI mission funding, STT hike on F&O, NRI property TDS relief, and tariff cuts. - [Should You Include Mutual Funds in Your Retirement Planning?](https://arthafinplan.com/mutual-funds-for-retirement/) - Should you include mutual funds in retirement planning? Learn how SIPs, diversification, tax benefits, and smart asset allocation build a strong retirement. - [Are your Finances ready to face the LAY-OFF?](https://arthafinplan.com/are-you-finances-ready-for-the-lay-off/) - Are your finances ready for a layoff? Learn how to build an emergency fund, manage cash flow, reduce debt, and secure your financial future wisely. - [How should you consider investing in Gold this Diwali?](https://arthafinplan.com/how-should-you-consider-investing-in-gold-this-diwali/) - Thinking of buying gold this Diwali? Know your purpose, asset allocation, and tax rules before investing. Make smart, informed gold investment choices. - [FIVE COMMON MYTHS ABOUT 'PERSONAL FINANCIAL PLANNING' EXPLAINED....!](https://arthafinplan.com/five-common-myths-about-personal-financial-planning-explained/) - Uncover common Financial Planning Myths and learn the truth behind them. Find out why planning isn’t just for the rich or complex—it's for everyone. - [HOW TO START FINANCIAL PLANINNG?](https://arthafinplan.com/how-to-start-financial-planinng/) - Start your financial planning with 5 simple steps—know your finances, set goals, build an emergency fund, get insured, and invest smartly. - [Unified Pension Scheme or National Pension Scheme: What should you opt for?](https://arthafinplan.com/unified-pension-scheme-or-national-pension-scheme-what-should-you-opt-for/) - Compare Unified Pension Scheme & NPS for Central Govt employees. Get expert advice from SEBI-registered financial planner Priyadarshni Mulye, Artha FinPlan. - [What, Why and how of ‘Asset Allocation’…](https://arthafinplan.com/what-why-and-how-of-asset-allocation/) - When any investor starts investing, many factors are taken into consideration. Be it returns, investment tenure, goals etc. While these are important grounds for making the right investment, to get the right mix of investments in a portfolio and achieve the best possible results out of it, one must consider ‘Asset Allocation’! What is Asset - [What can prove to be harmful to your personal finance?](https://arthafinplan.com/what-can-prove-to-be-harmful-to-your-personal-finance/) - Being an investor , you must be coming across all the dos and don’ts of investing! There are many experts writings and books which tell about how to go about personal financial planning and investments. But, despite of all such right sources available to refer to, we find many investors face many jolts in their - [Attention businessmen and businesswomen.. “here is how you can plan your finances!”](https://arthafinplan.com/attention-businessmen-and-businesswomen-here-is-how-you-can-plan-your-finances/) - The one who takes the risk, is ‘businessman’! The one who becomes financially independent him/herself and also lets others become financially independent is businessman! The one who is a part and strong pillar of the country’s economy is businessman! Well, when he/she shoulders so many responsibilities and duties all by oneself, ‘personal finance’ is the - [Five Key Personal Finance takeaways from year 2019-](https://arthafinplan.com/which-five-key-personal-finance-takeaways-we-got-from-the-year-2019/) - Tomorrow we will adieu to year 2019! How eventful this year was… economically, politically, socially, personally..! A flashback starts rolling in our head. Like every year, this year has given us a lot to cherish, to remember and to take lessons from! Our personal finance is the important area of our lives where things keep - [When we talk about Personal Finance; what is your Mission 2020?](https://arthafinplan.com/when-we-talk-about-personal-finance-what-is-your-mission-2020/) - At first, Happy New year 2020! New year celebrations are over and we have moved back to our routine! Many must have set ‘Resolutions’ for this new year, like joining a Gym, learning a new skill set, Spending more time with family etc etc. When we make resolutions ,we are suppose to stick to it - [How to be ready to face contingencies with the help of your Personal Finance?](https://arthafinplan.com/how-to-be-ready-to-face-contingencies-with-the-help-of-your-personal-finance/) - Our life is filled with many planed events and some unpredictable ones! though we plan for things many go unplanned . It is fine with small routine things , but life gives us shock by some unpredictable events that shake our personal and financial life,so, we better be ready to face it! Life has become - [Financial Planning is not just about numbers and calculations..How?](https://arthafinplan.com/financial-planning-is-not-just-about-numbers-and-calculations-how/) - Title of this post will really make you wonder, isn’t it? How is it even possible, when you talk about ‘finance’ and then say there are things more than just numbers? When this is in the context of ‘financial planning’ , it lets you wonder even more…. Well, a recipe of a ‘financial plan’ is - [How Budget 2020 can impact your Personal Finance?](https://arthafinplan.com/how-budget-2020-can-impact-your-personal-finance/) - 1st Feb 2020, was a day of ‘ Budget FY 2020-21’! Our Hon’ble Finance Minister gave us many surprises, made many new and bold proposals. Every year, budget proposes some or the other changes. Our economy is emerging economy. Mindset of investors and tax payers keep on changing and so the consumption, demand and supply. To - [Applying for life insurance policy? Here are 8 factors to consider..](https://arthafinplan.com/which-factors-to-consider-while-opting-for-your-life-insurance-policy/) - Life insurance is a must have in everyone’s portfolio! Buying a life insurance policy is equally important along with right and timely investment for future goals, carefully handling income and expenses and making money work hard for you; When anyone starts working, one of the element of his/her ‘To-do’ list is, buying a life insurance - [This International women’s day; how can we take one step forward towards their financial literacy and independence?](https://arthafinplan.com/this-international-womens-day-how-can-we-take-one-step-forward-towards-their-financial-literacy-and-independence/) - Happy international women’s day!! Women are epitome of love, dedication, sacrifice,courage and dutifulness. They can create and nurture . But, be it in any part of the world, women put their family, loved one’s and children above everything and give 100% towards them. In all this, they many a times ignore the very important aspect - [Corona and Personal Finance..Which approach to follow?](https://arthafinplan.com/corona-and-personal-finance-which-approach-to-follow/) - Corona! What seemed to be an epidemic has become a Pandemic now. Everyday, we are getting new updates about it. A man can do anything but when it comes to its own health concern, all major things halt. This pandemic has resulted in world economy and all major markets suffering. Markets are going Red and - [How to review our personal finance during this lockdown period?](https://arthafinplan.com/how-to-re-write-our-personal-finance-during-this-lockdown-period/) - We all are facing unprecedented occurrence of Corona Virus Crisis. Our government, healthcare system and all people from essential services are working 24*7 to fight against this. Lockdown asks us to stay at home for our own safety and safety of others too. During this period, we all are doing many activities right from cooking - [COVID-19 and learning about personal finance and money management for young generation!](https://arthafinplan.com/covid-19-and-learning-about-personal-finance-and-money-management-for-young-generation/) - Dear young people, while we all are together in this phase and learning a ‘new normal’, concern about money, stable finance and good health are here to stay! But, don’t worry, with right approach, we can manage money, investments and personal finance better. I know, many of you have started your careers, many have got - [ASHTANGA YOGA principles to keep your financial fitness!](https://arthafinplan.com/ashtanga-yoga-principles-to-keep-your-financial-fitness/) - Happy International Yoga Day! ‘Yoga’ is an Indian ancient tradition which helps a person to look within and connect with a soul. Our body is sacred so it helps to maintain it healthy with the help of Asanas. In Hath yoga, there are 54 types of different asanas which we can do. Whereas, Pranayama helps - [Learning from COVID-19 for middle aged person to keep financial well being:](https://arthafinplan.com/learning-from-covid-19-for-middle-aged-person-to-keep-financial-well-being/) - A family man, who is shouldering many responsibilities for his family, is trying to keep things smooth for his family in this phase! He is managing cash flows, looking at how to continue investments for future goals, considering cutting down expenses wherever possible and struggling to keep his career afloat. COVID-19 has taught us - [“Corona Kavach” and ‘Corona Rakshak” health insurance policies are available from 10th July 2020. How to go about it?](https://arthafinplan.com/corona-kavach-and-corona-rakshak-health-insurance-polices-are-available-from-10th-july-2020-know-more-about-them/) - COVID-19 has made whole world health conscious. Increasing no of cases, no vaccine till date, different kinds of precautions being advised to prevent ourselves from this decease are adding fear. Due to lockdown since almost 3 months, many people have become vulnerable psychologically, because many are still away from their families, managing their routine all - [Are you dependent on your long-term investments to face emergency? Your cashflows need a check…](https://arthafinplan.com/are-you-dependent-on-your-long-term-investments-to-face-emergency-your-cashflows-need-a-check/) - As the whole world is currently facing the unforeseen situation, we are facing and managing many things on many fronts. Finances is one of the major aspects! While we are still finding answers to our current investments and whether to continue them or not, how to pay for EMIs, how to utilize this time and - [Positive notes for personal finance from year 2020.. sharing through some of my personal experiences and stories!!](https://arthafinplan.com/positive-notes-for-personal-finance-from-year-2020-sharing-through-some-of-my-personal-experiences-and-stories/) - In 2-3 days, we will say goodbye to this year 2020! Another year coming to an end but with lot of learnings, experiences and stories to share with. Year 2020 is really special and king of all the stories is off course ‘COVID-19’ and experiences around it. Its all about perspective and hence let’s look - [What do you choose once you start earning? Loans or investments?](https://arthafinplan.com/are-you-jumping-on-creating-assets-via-loans-once-you-start-earning/) - Getting own pay cheques & becoming financially independent is everyone’s dream. Everyone makes their wish list ready once they receive their ‘first pay cheque’! Apart from shopping, giving parties to friends & family, many of us look for buying own house or getting a bigger one, buying own car & what not. These all are - [How can we achieve 'financial freedom' ?](https://arthafinplan.com/how-can-we-achieve-financial-freedom-just-by-staying-away-from-some-practices-beliefs/) - Happy Independence day! As we celebrate our beloved country’s freedom & independence today, we also think about freedom from all our financial worries, being more independent in our financial decisions, making more mindful investments What are those beliefs & practices which prevent us from achieving our financial freedom? Traditional products are safe & only good - [Retirement Planning- Part 2 How to plan for our retirement?](https://arthafinplan.com/how-to-plan-for-our-retirement-part-2/) - As we are discussing about the importance of ‘retirement planning’, in the last part we saw how & why should we consider planning for retirement. Now when we know the reason, we should also consider how to plan for it.... Start early: Investing journey has one important feature i.e. it is more rewarding when - [Why you should keep ‘investment’ & ‘Insurance’ separate?](https://arthafinplan.com/why-you-should-keep-investment-insurance-separate/) - I accidently met a friend after long .. we sat for a cup of tea & discussed many things under the Sun. She told me about a flat they purchased recently. While she & husband opted for a home loan, they also purchased one ‘market linked insurance policy’. They were told that since you are - [Rich or Wealthy? What do you wish to become?](https://arthafinplan.com/rich-or-wealthy-what-do-you-wish-to-become/) - We all work hard, round the clock for one thing, “To earn Money”! Money helps us to fulfill our basic needs, our goals, lifestyle & wishes. They say, ‘Money is a terrible master but an obedient servant’! That’s true in many senses! Everyone makes more & more money as one progresses in respective profession, business - [HOW TO BE A PEACEFUL INVESTOR?](https://arthafinplan.com/how-to-be-a-peaceful-investor/) - When we start investing, we are full with curiosity and excitement! Many starts investing on their own, as they are called as ‘DIY Investors’ whereas some take the assistance from ‘a financial planner’. There is no any ‘Best way’ to investing & managing personal finance! But with all ups & downs of the market, changes - [FIVE SIMPLE & EFFECTIVE WAYS TO SAVE MORE!](https://arthafinplan.com/five-simple-effective-ways-to-save-more/) - FIVE SIMPLE & EFFECTIVE WAYS TO SAVE MORE!Its time to pay attention to our savings NOW! Write down on expenses, Draw a weekly budget, Talk to your family - [National Highways Infra Trust NCD offering effective yield of 8.05%:](https://arthafinplan.com/national-highways-infra-trust-ncd-offering-effective-yield-of-8-05/) - National Highways Authority of India sponsored National Highways Infra Trust is coming up with NCD issue offering effective yield of 8.05%. The issue will be open from October 17 2022 to November 07, 2022. When there is a buzz around this & investors want to know more about it, let’s understand first what are - [DIWALI BONUS... TO INVEST OR TO SPEND](https://arthafinplan.com/diwali-bonus-to-invest-or-to-spend/) - Diwali is right here & so the Bonus! Every year, many organizations pamper their employees with ‘Diwali Bonus’! Where it was a miss for last 2-3 years due to pandemic, this year, many companies have resumed to give their annual bonus on Diwali. Well, many of you must have received it by far & many - [HOW TO BE MONEYWISE IN THIS YEAR 2023?](https://arthafinplan.com/how-to-be-moneywise-in-this-year-2023/) - Today, everyone is bombarded with information about money, investments, personal fiancé! Too many sources via various platforms & mediums provide information on these topics. So, this new year, lets be precise & act on our money management the way it is required actually. Read through the following & understand what you can do to redefine - [All important things about 'Direct Plans of Mutual Fund Investment'!](https://arthafinplan.com/all-things-important-about-direct-plans-of-mutual-fund-investment/) - Mutual Fund Investment - All important things about direct plans of Mutual Fund. Online mode is quite easy to invest in mutual funds direct plans - [Heavy on debt? How to reduce this side of our portfolio?](https://arthafinplan.com/heavy-on-debt-how-to-reduce-this-side-of-our-portfolio/) - Heavy on debt? How to reduce this side of our portfolio? Our cash flows, investments, assets, & different types of loans. - [How can you plan the Wedding this season?](https://arthafinplan.com/how-can-you-plan-the-wedding-this-season/) - How can you plan the Wedding this season? Finance plan for the Wedding this season. In our country, it Is indeed a big day celebrated in each family. - [How to plan for our short term goals?](https://arthafinplan.com/how-to-plan-for-our-short-term-goals/) - Explore top short-term investment options like FDs, debt funds, and more. Learn how to plan, invest, and manage funds for goals within 6 months to 4 years. - [BUDGET 2024 & IMPACT ON KEY PERSONAL FINANCE ELEMENTS](https://arthafinplan.com/budget-2024-impact-on-key-personal-finance-elements/) - Explore major Budget 2024 highlights affecting income tax, capital gains, gold, real estate, and NPS. Know what it means for your personal finance planning. - [Should you reconsider your investment in GOLD post Budget 2024?](https://arthafinplan.com/should-you-reconsider-your-investment-in-gold-post-budget-2024/) - Explore key changes in gold taxation and customs duty from Budget 2024. Learn their impact on gold investments, capital gains, and your portfolio strategy. - [Career Break for women & importance of Financial Planning](https://arthafinplan.com/career-break-for-women-importance-of-financial-planning/) - Career Break for women & importance of Financial Planning. Be it kids or family responsibilities, change in job location of the spouse or some other reason. - [When it comes to your finances.. Keep it Simple!!](https://arthafinplan.com/when-it-comes-to-your-finances-keep-it-simple/) - Whether you are earning or not, Money is a part of everyone’s life! From a homemaker to CEO of any MNC, personal finance and investments are there to manage. While managing your responsibilities, liabilities and creating assets for you, keep your finances simple! Make a list of your short term and long term goals: This is - [Caveat Emptor – Let the buyer beware….!](https://arthafinplan.com/caveat-emptor-let-the-buyer-beware/) - Two days back ,I got a call from my old friend saying her colleague is persuading her to buy a product siting all its advantages for her and likely returns that she will get. Confused with what decision to take and tempted with the returns her colleague was getting she was asking my opinion. When - [Dear New Age Fathers, Be the Best role model for your children in ‘Personal Finance’..](https://arthafinplan.com/dear-new-age-fathers-be-the-best-role-model-for-your-children-in-personal-finance/) - Happy Fathers Day! Being a father is a great responsibility! As a dutiful father, you teach your kids how to behave properly and be a good human being. You are their Hero and they follow you always! So, for ‘Money matters’ and ‘personal finance and investments’, set good examples too to follow! Inculcate saving habits: Fathers - [When you talk about personal finance, are the Basics Covered?](https://arthafinplan.com/when-you-talk-about-personal-finance-are-the-basics-covered/) - Many people take personal finance for investments in the products which will give good returns in future, multiply their wealth and if they invest right , they will become rich one day! But, personal finance is not just about investments…. Well, when you build a house, you build a strong foundation first and when the - [Let's talk about Personal Financial Planning….](https://arthafinplan.com/lets-talk-about-personal-financial-planning/) - We all ‘Plan’ for many things in our daily life. Be it your picnic with friends, or preparation for your project presentation or shopping for a wedding in a family!Planning is ‘integral’ part of our daily life. But, when it comes to your personal finance and investments, people often ignore it or postpone it. But - [Are you looking for returns from your LIFE INSURANCE POLICY? Then Please Read This….](https://arthafinplan.com/are-you-looking-for-returns-from-your-life-insurance-policy-then-please-read-this/) - Everyone has their own purpose behind deploying their money while saving or investing. The main purpose is ‘Returns’! Everyone seeks good returns from their money. For many people, this goes with their life Insurance policy as well! But is it right to seek returns from your own life insurance? Well, ‘Insurance’ is the assurance about - [Dear Ladies, this is how you can take charge of your financial life!](https://arthafinplan.com/dear-ladies-this-is-how-you-can-take-charge-of-your-financial-life/) - Ladies are masters of multi tasking and they are great planners! In daily life, right from grossery shopping to managing a corporate, they can plan and execute everything with ease.They earn their salaries, get profits from their business but when it comes to their own ‘Personal Finance and investment’, mostly they shy away! Often, in - [Five Essential Habits to be a Good Investor!](https://arthafinplan.com/five-essential-habits-to-be-a-good-investor/) - When you start earning, you get surrounded by friends, family , colleagues etc who teach you the importance of savings and investing. They share their investment journey also. If they are making profit, you get tempted to invest in the same way; but that may not help us always. You see many rich people in - [How to manage your personal finance in Economic slowdown…?](https://arthafinplan.com/how-to-manage-your-personal-finance-in-economic-slowdown/) - When you start your journey in personal finance with various investments and planning, many ups and downs in your investments take you on a ride! Economic and market slowdown has one such big influence! At present, we are experiencing too much volatility in market and economy due to lower consumption demand, global market movements, sectoral - [Are you buying a house just because home loan rates are lower?](https://arthafinplan.com/are-you-buying-a-house-just-because-home-loan-rates-are-lower/) - I got one call from a person asking, whether he should buy his second home as home loan rates are lower. When the whole world is struggling financially due to pandemic, thankfully, this person has been doing well financially. Well, if we think on one side, he is right. If he has money and if - [Tax planning essentials in the last leg of FY 2020-21](https://arthafinplan.com/tax-planning-essentials-in-the-last-leg-of-fy-2020-21/) - Financial year 2020-21 will end in next week! We are literally in a hurry to get our tax saving done, getting right proofs for it, meeting the deadline. With a background of COVID-19, where our incomes & cashflows are still getting back on track, planning for taxes is a task. In a rush, we often - [How to survive changes in deposits interest rates?](https://arthafinplan.com/how-to-survive-changes-in-deposits-interest-rates/) - Today morning, we all got a surprise from finance ministry about restoring back the decision to change interest rates on PPF, SSY & other small saving deposits. Last night, we got a shock of reduction in interest rates but it followed by this surprise today! Well, reduction in rates of deposits was quite expected considering - [How our mistakes can teach us about Personal Finance?](https://arthafinplan.com/how-our-mistakes-can-teach-us-about-personal-finance/) - Yesterday, we celebrated ‘Teachers’ day’ in the memory of Grate Mr Sarvepalli Radhakrishnan! Our teachers have indeed a strong place in our lives as they have helped us in shaping our personality, knowledge & attitude in one way or the other. In the words of Mr Ralph Nader, “Your best teacher is your last mistake”! - [How to stay away from the ‘Debt trap’?](https://arthafinplan.com/how-to-stay-away-from-the-debt-trap/) - A few years back, a person from our neighborhood following a simple living renovated his house with posh interiors, a new car purchase was followed, children started going to a better school.… in short, his lifestyle underwent a major transmission. A single earning member working in a private sector in mid-level management did all this - [Getting married? Bring discussions around your personal finance on the table...](https://arthafinplan.com/getting-married-bring-discussions-around-your-personal-finance-on-the-table/) - Wedding season is back! Though we are still in the shadow of this deadly virus, people are rejoiced to kick start celebrations. Wedding is one of the important ceremonies for every family! We Indians, are ever enthusiastic to organize & celebrate it with new themes & ways. Well, this demands ‘money to spend’. People put - [Retirement Planning- Part 1 How important is your retirement planning?](https://arthafinplan.com/retirement-planning-why-you-should-not-ignore-it-part-1/) - One of my father’s friends from our neighborhood just got retired from his services. We all arranged a small get together & gave our best wishes for this new phase of his life! When all were praising about how he has led his life with dignity, has fulfilled all his responsibilities & excelled in his - [RETIREMENT PLANNING-PART 3 How to shape your personal finance post-retirement? ....](https://arthafinplan.com/retirement-planning-part-3-are-you-about-to-retire-how-to-shape-your-personal-finance-post-retirement/) - Let’s begin with two real life stories!... We lost one of our close & beloved relative suddenly a few months back. The shock of his death & responsibilities of the entire family suddenly came on the shoulders of his brother. After lot of discussions, ifs & buts, he finally arrived at a decision to take - [How to be a well informed investor & stay away from wrong investments?](https://arthafinplan.com/how-to-be-a-well-informed-investor-stay-away-from-wrongful-investments/) - Since the onset of this year 2022, I came across 2-3 news articles about some persons cheating on many people with their fraudulent practices. They all did one common thing- ‘promised huge & quick returns on investments.!... Such incidents happen majorly in tier II & III cities, small towns & villages. Clients of such investment - [Should you opt for a Gold loan?](https://arthafinplan.com/should-you-opt-for-a-gold-loan/) - Two days back, a news about ‘auction’ of pledged gold worth crores came in! Around 1 lakh people who applied ‘gold loan’ couldn’t pay off their dues & so respective banks & NBFCs had to ‘auction’ the gold pledged. We are still fighting with Covid 19 & our livelihood is still under its shadow. Lakhs - [FINANCIAL PLANNING LESSONS FOR WOMEN ENTREPRENEURS!:](https://arthafinplan.com/financial-planning-lessons-for-women-entrepreneurs/) - Happy women’s day! Today everyone is celebrating women in their lives! Yes they are integral part of family, relations, bonding but when it comes to ‘money decisions’ or ‘financial planning’, they are often sidelined. Financial planning lessons for women entrepreneurs: A woman, whether working or not, if working then salaried or a professional or a - [Are you ready for early retirement?](https://arthafinplan.com/are-you-ready-for-early-retirement/) - Since the beginning of my practice as a ‘fee only financial planner’, I meet & get to interact with lot of people about their journey in finance. I like to help them in setting their goals & prioritize. One goal many of them often quote is, ‘early retirement’! I have observed that, people from their - [Understand what a recent hike in Repo rate & Cash Reserve Ratio means to us...](https://arthafinplan.com/understand-what-a-recent-hike-in-repo-rate-cash-reserve-ratio-means-to-you/) - In a surprise announcement, yesterday, the Reserve Bank of India hiked a ‘repo rate’ by 40 bps now. Now, it is 4.40%. Whereas ‘cash reserve ratio’, i.e. CRR has been increased by 50 bps making it 4.50% now. Other key policy rates such as ‘reverse repo rate’ has been kept at is so it remains - [Why & How IT Sector Employees Should Manage Their 'Personal Finance'?](https://arthafinplan.com/why-how-it-sector-employees-should-manage-their-personal-finance/) - IT sector! One of the most flagship sectors in our country where large no of young people get their dream job. India is a land of Engineers they say & this is one of the reasons many of the youngsters get their job in IT. We have IT hubs in Pune, bengaluru, Chennai & this - [Is this the 'right time' to review your portfolio?](https://arthafinplan.com/is-this-the-right-time-to-review-your-portfolio/) - We all are experiencing market volatility, geo-political tensions & uncertainty, rising inflation where our daily expenses have crossed their usual expense boundaries, on top of it, RBI made a decision to increase repo rate & CRR few days back… Whole world has still not come over deadly pandemic yet. Market bounced back soon after the - ['YOG Sadhana' is for our Body & Mind & So Financial Planning is for Our Money!](https://arthafinplan.com/yog-sadhana-is-for-our-body-mind-so-financial-planning-is-for-our-money/) - Happy International Yoga Day!! ‘Yoga’ is the concept, science, practice & method to follow for the benefit to our body & mind. It was invented in our India & our Acharyas, Gurus have been practicing it since ancient times. It has evolved over the years. It has to be followed as ‘Yog sadhana’ because one - [Earning low income? Here are 12 simple things to follow in your financial planning..](https://arthafinplan.com/earning-low-income-here-are-12-simple-things-to-follow-in-your-financial-planning/) - “How can I start financial planning when my salary is so low?” A common question people ask.12 simple ways to plan your finances even if your income is lower. - [About to retire? Here are few simple things to follow for your money management](https://arthafinplan.com/about-to-retire-here-are-few-simple-things-to-follow-for-your-money-management/) - ‘Retirement’ is one of the most important stages of life when a person takes a leap into a phase where he is expected to enjoy his hard-earned money, fulfill his/her dreams of traveling, getting together with old friends & also to maintain health, well-being & financial independence! If we look at new retirees, majority of - [FINANCIAL PLANNING- EXPECTATIONS, MYTHS & REALITY](https://arthafinplan.com/financial-planning-expectation-v-s-reality/) - 'Financial planning’ is a buzzword since last few years! If we see our parent’s generation, they did manage their money, investments all by themselves but still did well & are living financially independent life post retirement. Today, scenario is altogether different! Many things are changed like- Bunch of new investment products have been introduced since - [FIVE THINGS TO KNOW BEFORE BUYING YOUR 'OWN HOUSE'](https://arthafinplan.com/five-things-to-know-before-buying-your-own-house/) - ‘Home’ is a ‘feeling’! Its also precious when we share the space with our loved ones under one roof which we ‘own’! To buy a house is a dream of many. There are many thumb rules, suggestions given, theories applied when someone wishes to buy a house.. Well, all of them may not be suitable - [ALL ABOUT 'EMERGENCY FUND' FOR YOU!](https://arthafinplan.com/all-about-emergency-fund-for-you/) - ‘Emergency fund or contingency fund’ is crucial part of personal finance. You must be coming across various articles, videos, blogs talking about it & emphasizing its importance. Its true that you should have one for you. Why? We live in a world which is affected by micro & macro-economic situations. Such changes affect our job, - [MONEY & PERSONAL FINANCE RESOLUTIONS FOR THE YEAR 2023!](https://arthafinplan.com/money-personal-finance-resolutions-for-the-year-2023/) - Happy new year all of you! When some are openly discussing about their resolutions for new year, some are keeping it to themselves, but almost everyone is making new resolutions with new hopes & determination! Well, almost all of the resolutions that we set, need strong will power, perseverance to hold on to it no - [SHOULD YOU INVEST IN DIGITAL GOLD?](https://arthafinplan.com/should-you-invest-in-digital-gold/) - Want to invest in digital gold? Digital gold is nothing but the ‘gold purchased online, digitally’ Returns on Gold is directly linked to market rate of gold. - [BUDGET 2023 & PERSONAL FINANCE:](https://arthafinplan.com/budget-2023-personal-finance/) - Budget 2023 has been announced - Let’s focus on the provisions which have direct & indirect impact on our money & personal finance - [Do you often opt for 'BUY NOW, PAY LATER' option? This is for you..](https://arthafinplan.com/do-you-often-opt-for-buy-now-pay-later-option-this-is-for-you/) - when you hang around for shopping or visit any ‘online shopping site’ you will find many offers with ‘Do you often opt for 'BUY NOW, PAY LATER’ option! - [Amendments in the Finance Bill 2023 & Impact on investment in Debt mutual funds.. Should you invest?](https://arthafinplan.com/amendments-in-the-finance-bill-2023-impact-on-investment-in-debt-mutual-funds-should-you-invest/) - “Mutual funds having less than 35% AUM in domestic equity to lose indexation benefit, to be taxed as short-term capital gains with effect from 1 April 2023.” - [Finance Records - Why is it important to keep records of our Money Matters & Finance?](https://arthafinplan.com/why-its-important-to-keep-records-of-our-money-matters-finance-records/) - Recordkeeping of all our cashflows, assets, investments, liabilities for our family and loved ones! Importance to keep our Money Matters and finance records - [Car purchase on your mind? Simple checklist before you go for the one..](https://arthafinplan.com/car-purchase-on-your-mind-simple-checklist-before-you-go-for-the-one/) - What should you consider while buying a car? A Car purchase can be a need for some & a luxury for others. Here is a Simple checklist before buying a car: - [ARE WE READY FOR OUR 'FESTIVE PURCHASES'?](https://arthafinplan.com/are-we-ready-for-our-festive-purchases/) - ARE WE READY FOR OUR 'FESTIVE PURCHASES'? A gadget that you wished for long or a piece of jewelry for your loved one, sports kit for your kid - [New fund offers Or Existing mutual funds... Where to invest?](https://arthafinplan.com/new-fund-offers-and-existing-mutual-funds-where-to-invest/) - New fund offers Or Existing mutual funds. Mutual funds are favorite investment but still can't decide about ‘New fund offers’ or ‘Existing mutual funds’. - [Should we reconsider our Personal Loans & Credit Card spending?](https://arthafinplan.com/should-we-reconsider-our-personal-loans-credit-card-spending/) - Should we reconsider our Personal Loans & Credit Card spending-The Reserve Bank of India increased ‘Risk Weight’ for ‘Consumer credit exposure’ for retail loans ## Pages - [Homepage](https://arthafinplan.com/) - Get unbiased, Fee-Only financial planner services from SEBI Registered Advisor Priyadarshini Mulye in Pune & Ratnagiri. Expert advice across India. - [Impersonation alert | beware of imposters](https://arthafinplan.com/impersonation-alert-beware-of-imposters/) - Official impersonation alert by Priyadarshini Mulye, Artha FinPlan. Beware of fake WhatsApp profiles offering share market tips. Verify only official channels. - [Media](https://arthafinplan.com/media/) - Discover expert insights in the ARTHA Media Gallery. From Money Mantra - Loksatta to Financial Planning for Young Earners—explore, learn, and read more now! - [Blog](https://arthafinplan.com/blog/) - Certified Financial Planner Priyadarshini Mulye offers unbiased, fee-only financial planning in Ratnagiri, Thane & across India. Read insights on her blog. - [Contact us](https://arthafinplan.com/contact-us/) - Get financial services in Pune or Ratnagiri. Contact ArthaFinplan. SEBI registered Finance advisor in Ratnagiri. 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The regulations are in line with global standards. Letter of engagement Being SEBI RIA, as a part of practice and to keep transparency, you will be mutually signing - [Comprehensive Financial Planning](https://arthafinplan.com/?elementor_library=comprehensive-financial-planning) - Comprehensive Financial Planning ​ Comprehensive financial planning provides stability, ability to face contingencies, and making your money work for you. Learn more - [Self Intro](https://arthafinplan.com/?elementor_library=self-intro) - SEBI registered Investment Adviser. Priyadarshini Mulye is a founder of ARTHA FinPlan. Professional Qualification – Priyadarshini is MBA (Fin) and Certified Financial PlannerCM by Financial Planning Standard Board. 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