Planned investing, early start to ensure Rathod’s financial security

If you have been putting off investment citing low surplus, here are a few things you could learn from Mumbai-based Hardik Rathod. Despite a low salary, this 26-year-old has maintained a high savings rate, has started investing in mutual funds through SIPs, is set to buy a house, has formulated clear, realistic goals, and has bought the right insurance. Most of these are essential for good financial planning. An early start also means that despite the current low net worth, he will have sufficient time to save for his goals without stretching his limited resources. To help him do this, financial planner Pankaaj Maalde will prepare a plan that will act as a guideline.

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