Here is the guide to have a smart & secure financial year.

1. Guide To Have a Smart & Secure Financial Year
SINCE 1989

2. How should one allocate their Salary
30%
30%
30%
10%
Monthly expense
Savings
Investments
leisure
There's no 'one size fits all' approach. Your finances need to be personalized according to your
risk profile, situations, etc.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

3. 6 months expenses must be available as ‘Emergency Fund’
(should be invested in Liquid Fund, FD, Etc).
These are general suggestions. Personal Finance and investment decision depends upon case to case.

4. Start your ‘Tax planning’ early and not wait till the last day of
the Financial year.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

5. ‘Home Loan’ must be registered and applied on both ‘husband
and wife’s name’. Both can get tax benefits.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

6. ‘Term Insurance’ to financially secure the future of your
dependants.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

7. Besides the ‘Group Medical Insurance’ from the employer,
individual ‘health insurance’ is a must.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

8. Review your portfolio every six months.
These are general suggestions. Personal Finance and investment decision depends upon case to case.

9. www.latinmanharlal.com
Email: info@lmspl.com I Tel No: 022-40824082
Viraj, 5th Floor, 124, S.V. Road, Above HDFC Bank , Khar (w), Mumbai- 400 052.
Have a Healthy and Wealthy 2017
SINCE 1989