DI$HA NIVE$H – The Right Direction for your Wealth with Wisdom

🛡️ Real Wealth is Protection: Why Every Family Needs Term Insurance Today Introduction: Your greatest financial gift to your family isn’t your income. It’s your ability to protect them even when you're not around. That’s where term insurance becomes not just a product, but a promise. 📁 Table of Contents What is Term Insurance? Why Term Insurance is a Must-Have — Not a Maybe Busting Common Myths Real-Life Scenarios How Term Insurance Builds Legacy Why the Best Time to Buy is Now How Much Cover Do You Need? How to Choose the Right Plan Smart Tips for First-Time Buyers Final Thoughts 1. 📈 What is Term Insurance? Term insurance is a pure life cover. You pay a small premium for a large life cover for a fixed period. If something happens to you during that period, your family gets the full sum assured. 2. ⚡ Why Term Insurance is a Must-Have — Not a Maybe Without you, your family's dreams may pause forever — unless you've sec...

How to Build a ₹10 Lakh Corpus in 5 Years — Even With a Modest Income Introduction: Why ₹10 Lakh Matters For most Indian families, a ₹10 lakh corpus can mean a child’s education, a home down payment, business capital, or a medical safety net. And you don’t need a high income to build it. You need a clear plan, consistent investment, and discipline. 📑 Table of Contents How Much Should You Invest Monthly? Choosing the Right Mix: Safety vs Growth Disciplined Steps to Stay on Track Final Thought 🧮 How Much Should You Invest Monthly? Here’s how different investment amounts and return expectations can help you reach your ₹10 lakh goal in 5 years: Monthly Investment Expected Return (CAGR) Time Frame Final Corpus (₹) ₹10,000 10% 5 Years ₹7.75 Lakh ₹12,500 10% 5 Years ₹9.69 Lakh ₹14,000 12% 5 Years ₹10.05 Lakh ₹16,500 8% 5 Years ₹10.03 Lakh ⚖️ Choosing the Right Mix: Safety vs Growth Here are some b...

5 Financial Habits to Build Before You Turn 40: The Real Road to Freedom Introduction Most people in their 20s and 30s focus on career growth, marriage, family, or home-buying. But one silent pillar that determines long-term peace and freedom is often ignored: financial discipline . If you’re under 40, this is your window to build powerful money habits that create security, control, and dignity for decades ahead. 📑Table of Contents Save Before You Spend Build a Solid Emergency Fund Start Investing Early and Regularly Say No to Unnecessary Debt Review and Rebalance Annually Final Thought ✅ 1. Save Before You Spend Decide your monthly saving/investment amount first, set it aside (preferably automated), then spend the rest. Automate your SIP or RD on salary day. This ensures long-term wealth creation through habit. ✅ 2. Build a Solid Emergency Fund An emergency fund of 3–6 months of expenses is crucial. Keep it safe and accessible. Option Risk Level Li...

How to Start Investing with Just ₹500 a Month: A Beginner’s Guide 📌 1. Why ₹500 Is Enough to Begin Most people wrongly assume investing needs thousands to start. But starting with as little as ₹500/month can be powerful. With consistent investing and compounding over time, even this small amount can grow significantly. ₹3.9 Lakhs in 10 years ₹19.8 Lakhs in 20 years “It’s not about the amount you invest, it’s about starting early and staying consistent.” 📌 2. Best Investment Options for ₹500 or Less Option Min Amount Risk Returns (Est.) Why It’s Good Mutual Fund SIP ₹100–₹500 Medium 10–14% Diversified and suitable for long-term goals Post Office RD ₹100 Low 6.7–7% Government-backed and low risk Digital Gold ₹1 onwards Medium Market-l...

Why Budgeting Fails: 7 Common Mistakes  and Smart Fixes 📅 Published by: Team DishaNivesh | Wise Decision + Right Direction = Wealth Creation 📑 Table of Contents 1. Introduction 2. Mistake 1: Treating Budget as a Fixed Document 3. Mistake 2: Ignoring Irregular Expenses 4. Mistake 3: Underestimating Small Expenditures 5. Mistake 4: No Emergency Cushion 6. Mistake 5: Budgeting Without Family Involvement 7. Mistake 6: No Regular Review or Tracking 8. Mistake 7: Using Tools Without Strategy 9. Final Thought 🧭 Introduction A budget is meant to be your financial compass — not a cage. Yet, most people abandon budgeting because they feel restricted, fail to see results, or simply give up after a few months. The problem? It’s not the budget that’s flawed — it’s how we use it. Here are 7 common reasons why most budgets fail — and how to make sure yours doesn’t. ❌ Mistake 1: Treating Budget as a Fixed Document A budget is not a “set it and forget...

💰 How to Plan a Monthly Budget: 50-30-20 Rule Explained 📅 Published on: 03.07.2025 📍 By: Team DishaNivesh 📑 Table of Contents 1. What is the 50-30-20 Rule? 2. Why This Rule Works in Real Life 3. Example: ₹60,000 Monthly Salary Breakdown 4. Tips for Smart Budgeting 5. Final Thought 🔍 What is the 50-30-20 Rule? The 50-30-20 rule is a simple budgeting formula that helps you allocate your monthly income smartly across: Needs (50%) Wants (30%) Savings & Investments (20%) This rule is especially useful for salaried individuals who want a structured yet flexible method to control expenses and build wealth. 🧾 Breakdown of the Rule Category Percentage What It Includes Needs 50% Rent, groceries, electricity, EMI, insurance premiums Wants 30% Restaurants, OTT subscriptions, lifestyle purchases ...

Confused between ULIPs and Mutual Funds? Let’s break it down to see which one truly builds wealth. In recent years, financial awareness has grown — yet many investors still fall into the trap of confusing insurance with investment . One of the biggest debates is between ULIPs (Unit Linked Insurance Plans) and Mutual Funds . Both options claim to offer returns. But are they equally effective? Let’s compare them head-to-head and discover what really helps you build long-term wealth. 📑 Table of Contents 1. Understanding ULIP and Mutual Funds 2. ULIP vs Mutual Funds: Key Differences 3. So, What Truly Builds Wealth? 4. Final Thought Understanding ULIP and Mutual Funds What Is a ULIP? A ULIP is a hybrid product combining insurance + investment . Part of your premium goes towards life cover, and the rest is invested in market-linked funds (equity or debt). What Is a Mutual Fund? A mutual fund is a pure investment vehicle where your money is pooled with other in...

Breaking the Myth: Investment is Not Only for the Wealthy One of the most persistent misconceptions about investing is that it’s only for the rich. Many people believe they need lakhs of rupees saved up before they can begin. This myth keeps countless individuals from ever taking the first step. The truth? You don’t need to be rich to start investing — you just need to start. Start Small, Grow Big Thanks to digital platforms, it's now easier than ever to start with as little as ₹100. Mutual fund SIPs, digital gold, and even fractional shares make investing accessible to everyone. Minimum Investment Options: Mutual Funds SIP: Start with ₹100–₹500 per month Stocks (Fractional): Invest as little as ₹10 using apps like Groww, Zerodha, etc. Digital Gold: Buy in grams or even rupees It’s About Time, Not Just Amount Investing early, even in small amounts, creates the magic of compounding. Consider the following: Start Age Monthly ...