Different colors or milestones to India
Your compliments to you for thinking ahead. It's never too early to start investing for your future. But before you consider investing, you really ought to have a plan in place.
A financial plan is your road map. It helps you figure out where you're going, what you'll need along the way, and how to get there. Investing should be integrated with your plan. And investing is only one piece of a good plan.
All that being said, you should look to make sure you have a solid financial foundation before investing everything you have. Now, you don't have to wait to invest, but you should be making progress on these other areas at the same time.
Emergency Fund
Fund
You should be setting aside funds to cover for emergencies especially if you are the primary (or sole) income provider for your young family. Ideally, you should target for anywhere from 3 months to 12 months of your fixed, recurring expenses. Generally, the higher the income and more time it would take to replace your job. I will recommend targeting for something closer to 9 or 12 months
Insurance
Make sure you have adequate insurance for your health, disability, property, and life. Relying just on employer-sponsored benefits is not a good idea. To save money on property insurance, you should increase deductibles which are all the more reason to have an adequate emergency fund. You should aim for life insurance that covers all your fixed obligations (i.e. mortgage, loans, projected college costs) plus an amount that replaces your net income for at least 20 years (or when your kids may be expected to leave home). This includes insurance for your spouse as well.
Retirement
This can be a topic all on its own. But for now, max out your retirement contributions. At the very least, you should expect to contribute an amount that will allow you to get any employer match. And don't forget to set aside for a separate spousal IRA (Individual Retirement Account).
Investing
important Link
ઉચ્ચતર પગાર ધોરણ માટે સર્વિસ બુક ગાંધીનગર મોકલવા બાબત 29/11/2021 નો પરિપત્ર
મધ્યાહન ભોજન યોજના બાબતનો લેટર
Like every year, this year also Dt. “Sanitation fortnight” will be celebrated in all the primary schools of the state from September
લોકો જેની ઘણા સમયથી રાહ જોઈ રહ્યા હતા તે ગુજરાતી ફિલ્મ *દિવાસ્વપ્ન* કે જેને સૌથી વધુ *52 એવાર્ડ* અને *35 નોમિનેશન્સ* મળ્યા છે અને ગુજરાતનું ગૌરવ વધાર્યું છે, તે ફિલ્મનું
ટ્રેલર આવી ચુક્યું છે.
ગુજરાતના ગૌરવ સમાન આ ફિલ્મના ટ્રેલરને વધુમાં વધુ લોકો સાથે share કરી, પહોચાડીએ.
*દરેક શિક્ષકો એ જોવા જેવું...*
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Look to invest what you have leftover. You can control little when it comes to investing, except your costs and your allocation (and your emotions). With a plan, you can address all three. You'll have to get a handle on your risk tolerance and then match your time frame for investing with the type of investments. For instance, if you need money within a couple of years, you'll be looking at more conservative investments (like short-term bonds and certain large cap stock funds). On the other hand, the longer your time horizon until you need the money, the more you can allocate to more equity funds ( Large Cap, Diversified Cap, Mid Cap & Balanced Fund ).
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