Protect
The half nobody enjoys planning.
Protection is the floor everything else stands on. It is worth about an hour of your attention, once, and then it mostly looks after itself.
What this covers
Risk Assessment
A risk assessment measures the distance between the cover you hold and the cover your family would actually need if your income stopped tomorrow. It covers life, health and the emergency fund that sits underneath both. Most people discover they are either badly underinsured or paying for cover that does very little.
Read moreWill Writing
Will writing puts your wishes in a form that holds up, so what you built reaches the people you built it for without a dispute. It also fixes the most common and most expensive misunderstanding in Indian personal finance, which is the assumption that a nomination and a will do the same job.
Read moreThen, and only then, growth
Once the floor is solid, the interesting half of the conversation can start.