1. Have Emergency savings of minimum 6 months: It is important that you have at least 6 months of your savings invested in FD or bank account which is accessible right away in case of emergency. There is a debate of 3 or 6 months but its safer and better to have savings of 6 months min. Some people go even upto a year. Also keep that savings in handy place like Bank account, FD or even some of it is cash (but not all). Dont attempt to maximize the return on the same. It is not supposed to give you great return but supposed to be available in case of any emergency (Health, Job loss, sudden expense etc).
2. Have Insurance (Health & Term Life both): Ideally, have these outside your primary job since what happens when you leave your job. But most companies offer to continue the insurance at personal level so you can go with that but I suggest having it separately. Also, go with term life insurance instead of whole life insurance since you save a lot on the premiums.
3. Let your spouse/parents/kids know about financial investments you have made: Sometimes, the spouse or surviving family members may not know about the financial investment. Make sure that they are aware of the same.
4. Have a written will: This is important so that your loved ones dont have to fight/argue or debate on who should get what. Having a will which has clearly instructed what you want each of your loved ones to have will clarify this. Also, nominations does not super-sede Will. and lot of times nominees may not know either that they are nominee so it's best to have will in such cases
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