PERSONAL FINANCE

CONTENTS

PERSONAL FINANCE

1. FINANCIAL ETHICS

• Principle of Investment
• Doubling Time Formula
• The Bank Rage Formula
• The Strategic Finance Rule
• 100 Minus Age Strategy
• Prioritize Investing Principle
• Debt-First Principle
• The Fire Score Principle
• Phased Financial Milestones

2. INSURANCE PROCUREMENT

• Health Insurance
  • Claim Exhaust Auto Recharge
  • Room Rent Limit
  • Accumulative Bonus
  • Comprehensive Insurance Plans
• Term Insurance
  • Claim Selection, Riders
  • Illness Benefit Claim
  • Waiver of Premium Benefit
  • Choosing Term Insurance by Settlement Ratio

3. LIQUID RESERVE MANAGEMENT

• Build Emergency Fund (6–12 Months of Expenses)
• Saving Hacks
• Diversifying Funds for Savings, Emergency & Daily Use

4. TYPES OF INVESTMENTS

• Stocks
• Mutual Funds
• Unlisted Shares / Grey Market
• Off Market Equity
• Government Bonds
• Corporate Bonds
• Crypto Currencies
• FD / RD
• Small Case Investments

5. INVESTMENT STRATEGIES

• Stock Selection
  • Fundamental Analysis
  • Technical Analysis
  • The Diamond Trend Strategy
  • Golden Crossover & Death Crossover Strategy
  • Dividend Hunting Strategy
  • Long-Term Wealth Creation Strategy
  • Stock SIPs with Small Case Baskets
• Mutual Fund
  • Types of Mutual Funds
  • MF Expense Ratio
  • MF Tracking Errors
  • MF Exit Loads
  • MF Fund Manager Research & Records

6. EMI AND LOAN REPAYMENT STRATEGIES

• The 10% Repayment Rule
• Renting vs Buying a House

7. RETIREMENT PLANNING

• NPS Planning – Choosing the Right NPS Plan
• Calculating Retirement Corpus with Fire Score
• Mutual Fund Planning for Retirement