Tips on Becoming Successful at Investing in Crypto

As you might have noticed, cryptocurrency has caused quite the uproar in online forums, the media, and even at social gatherings. Investing in cryptocurrency can be a pretty challenging task. Chances are, you have already done your research and know a bit about cryptocurrency and virtual currencies. You might have come across notions that suggest that you need to be an investment expert to work your way around cryptocurrency, but that’s not the case. You only need to educate yourself on the basics and gather up some funds, and you are ready to go! To add to those essentials, the following tips will help you invest in cryptocurrency successfully.

Get acquainted with the cryptocurrency market
Before you invest your funds into the cryptocurrency industry, you should take some time to look into the market. It is an exciting and novel asset that requires tons of research to understand how it works before embarking on the journey entirely. Try and learn about the different types of investment you can make, how much money you can invest, and the right time to sell. There are many sources from which you can learn more on cryptocurrencies, such as finance blogs and youtube tutorials. To keep up with the necessary information in the market, make sure to follow up on the latest cryptocurrency news. If you want to earn a substantial amount of money, then you must know how to make better decisions while trading. With the right information assets, you will be able to time the market right and enjoy much higher returns.

Choose suitable sites and softwares
As the cryptocurrency industry continues to become a big deal, the need for authentic and secure sites to make your trade. If you are not careful, you might be one of the many who have lost their digital money by trusting unsafe cryptocurrency sites to do their exchange. When choosing the right site and crypto investing app in conducting your trading, consider following up on a few factors to help you make a decision. By now, you have already singled out the options that you would like to invest in. Once you have this information, you can identify the number of cryptocurrency coins available on the platform, including your preferred coins. Security measures and levels are very vital when working with cryptocurrency.

Before making any investment, ensure that you check on the fund’s security by analyzing the safeguards they have in place to secure the trading platform. You can find this information on the cryptocurrency trading website. Be sure to read it through before handing over your hard-earned cash. In addition to all security matters, find out how much the platform charges for trading through them. Some platforms have very high fees that don’t make sense to your investment. Invest some time to find the right site and platform that is the right fit for your investment. Ultimately, your trading experience will be so much easier with a trading platform that is easy to operate. You are bound to make a lot of mistakes when trading by using complicated platforms. To ensure you choose the right site, sign up for free trials to get a feel of their platform and what kind of currencies they have in place.

Invest in blockchain technology
A blockchain records transactions in code. Blockchain is seen to have evolved so much over the years and is now being integrated into several infrastructures. It is less risky than the option of purchasing a single cryptocurrency. It works by updating all your transactions simultaneously with any new trade you might make, thus keeping your records accurate and identical. It would be for you to seek knowledge and advice from professionals in blockchain technology so you can have access to the investment opportunities it provides. Blockchain technology comes with so many advantages, including:

Provides your investment with good transparency, thus promoting integrity
This technology is more efficient due to the absence of intermediaries during your transactions.
Unlike other record-keeping systems, blockchain is more secure as it encrypts every new transaction to the previous transaction protecting your investment from hacking and falsified information.
You can use blockchain technology to verify an asset’s authenticity before making a trade.
Conclusion
With the proper steps in place, you can enjoy the fruits of investing in the cryptocurrency industry. When you are equipped with the appropriate knowledge, the perfect trading sites and software, and an investment in blockchain technology, you are all set for the journey towards becoming very successful in the cryptocurrency market.

RERA Agent Registration

Rera agent registration is mandatory for brokers who deal in property related transaction with rera registered builders. A real estate agent is a person who help buyers to sell property of builders , for said transaction they get brokerage from builders or buyers. For selling of old property as per well as new property RERA registration is needed. As per section 9 of “Real Estate (Regulation & Development) Act, 2016 (REDA) read with Rule 11 of above mentioned Rules, Every real estate agent need to take prior registration with RERA authority of Maharashtra before dealing in any transactions relating to sale/purchase, advertising or brokerage of property of a project registered under this Act.

We are Expert team of Chartered Accountant we help real estate agents to avail Rera agent certificate. We provide Rera agent registration services in Pune , Mumbai , Thane , Nashik etc.

List of documents for Rera Agent Registration.
Following list of documents are required for Rera agent registration in Maharashtra. All below documents for agent registration are required in soft copies.

PAN
Adhar
Passport Size photo
Last 3 Years ITR
Agent invoice
Self attested LH
Cell No
Email ID
RERA Agent Registration Process

Rera agent registration process in Maharashtra is complete online.

RERA Registration Application Preparation
Filing RERA Agent Registration application
Pay Government Fees of Rs. 10600/-
Rera Agent Certificate

Reasons to apply for Rera agent Registration
Trust is likely to be increased between investors & buyers
RERA registration is important is sale property , do advertisement etc.
RERA registration will bring accountability between agent and investors
RERA registration will do real estate agent more professionals

Highlights of Rera Agent Registration

Validity – Rera Agent certificate is valid for 5 years from date of certificate.

Fees – Government Filing fees for Rera Application as individual agent is Rs. 10600/-

Renewal – After every 5 years agents are required to apply for renewal of certificate

Penalty

For Real estate agentwhere if he/she fails to register and contravenes the provisions of section 9 or section 10 of the Act, he shall be liable to a penalty of ten thousand rupees for every day during which such default continues, which may cumulatively extend up to five per cent of the cost of plot, apartment or buildings, as the case may be, of the real estate project, for which the sale or purchase has been facilitated as determined by MahaRERA

Voluntary provident fund (VPF) vs Debt Mutual fund

What is a Voluntary Provident Fund?

VPF is an employee savings scheme that comes under the traditional provident fund savings scheme. However, under the VPF scheme, the contributor can decide the fixed amount for a monthly contribution. This contribution is not part of the 12% contribution by an employee towards his EPF.

Advantages

Safe option to invest: Since the Indian Government operates the scheme, the risk involved is relatively less as compared to other various schemes of investing; also it is easier and safer to invest via a VPF account.
High rate of interest: Under the VPF scheme, the VPF interest rate is usually around 8.50% p.a. for FY 21-22.
Easy to open account: It is simple and easy to open a VPF account. Employees can open a VPF account once by submitting the registration form. The current EPF account shall also act as the VPF account.
Simple transfer process: If employees change their jobs, the process of transferring from the old company account to a new one is also quite simple.
Conclusion:

The VPF account is considered one of the best options to invest for a salaried person. Employees are eligible for tax benefits of up to Rs.1.5 lakh under Section 80C of the income Tax Act, 1961. The interest that is generated from these contributions is also generally exempt from tax. However, in case of VPF interest earned on employee contribution above Rs.2.5lakh p.a over Rs.1.75 Lakh basic salary., will be taxable. Investments towards a VPF account are viable because of its efficient rate of interest and tax benefits.

What is the meaning of a Debt Mutual Fund?

A debt mutual fund is a mutual fund scheme that invests in fixed income instruments, such as Government or Corporate Bonds, corporate debt securities, and money market instruments etc. Debt funds are also referred to as Fixed Income Funds or Bond Fund.

What are the four Advantages of a Debt Mutual Fund?

High liquidity: Debt mutual fund schemes, especially liquid funds, typically have a high degree of liquidity and investors may redeem their investments faster than others.
Tax efficiency: Debt Mutual fund schemes do have long and short-term capital gains tax. However, the benefit of indexation increases after three years of holding and succeeding years.
Flexibility: Using an STP, the debt mutual fund units can be easily transferred periodically to an equity scheme or any other scheme as per investor’s choice.
Diversification of investment: While choosing debt mutual funds, ensure to verify the portfolio. Generally, it is safer to invest in Debt Mutual Fund that invest Government securities and Government-issued papers, thereby reducing portfolio risk.
Conclusion

Firstly, Debt Mutual fund schemes help reduces overall portfolio risk as they help in diversification. When equity markets fall, debt investments cushion downside risks and may bring stability to returns.

Secondly, Debt Mutual funds are a good option for your short-term investment planning. The accumulated cash could be used for short-term goals like vacations, buying a gift, etc.

How to Buy Shiba Inu with USDT? – Everything You Need to Know

Are you looking for the best exchange to buy Shiba Inu Coin with USDT? Then, you have landed at the right place. We have covered all those things here. By using this guide, you can easily buy SHIB with USDT from Koinbazar. Before we get into this, let’s see an overview of Shiba Inu Coin.

Read more —> How to buy Shiba Inu Coin in India?

What is a Shiba Inu coin?

As per the official website of Shiba INU token, SHIB is an experiment in decentralized community building. The SHIB token creators have developed this which is inspired by the famous cryptocurrency called Dogecoin. As of now, the Shiba Inu token is getting famous among the traders and also they are hoping to invest in it. Most of the communities called SHIB “The Dogecoin Killer”. This company is planning to start an exchange called “ShibaSwap” which is like Uniswap and Pancakeswap in the future.

How to Buy Shiba Inu with USDT on Koinbazar?

To buy Shiba with USDT, follow the steps mentioned below,

Step 1:

Visit Koinbazar.

Step 2:

If you are already a registered user, choose ‘SIGN IN’ at the top right corner of the website to log into your account. If you are a new user, click ‘SIGN UP’ in the top-right corner to register your account.

Step 3:

After you sign into the account, choose “MY ACCOUNT” at the top right corner of the page. Update the requested details to build your profile.

Step 4:

Choose KYC verification under “MY ACCOUNT”.

Step 5:

Update the KYC authentication section requested details and identity certificates should be updated and then click ‘SAVE’.

Step 6:

Choose ‘BANK DETAILS’ and update your required information. Then, click “SUBMIT”. Once the admin approved, you will be able to deposit and withdraw your funds from your Koinbazar wallet.

Step 7:

Once the admin approved your bank details, Choose “Funds” from the top right corner of the menu and select “Deposit”.

Step 8:

Choose the “Fiat” option from the deposit. Your desired funds to be deposited in the form of fiat currency.

Step 9:

Then, choose the ‘Manual Deposit’ option and update the required information and instant INR deposit options. Your transferred amount will be credited to your Koinbazar wallet after reviewed by the admin.

Step 10:

Once your funds get deposited, go to the home page and select ‘TRADE’.

Step 11:

On the trading page, choose the “USDT” market and select SHIB to USDT pair to buy Shiba Inu Coin with Tether (USDT).

Step 12:

At the bottom left of the page, start trading by setting the order type and order value you would like to buy.

No Denial Payday Loans – A Legit Offer given by Direct Lenders Only

Today in the market, some legit lenders offer no denial payday loans. We understand that many critics and financial advisors speak strongly against payday loans. However, for the borrower in need, who may not qualify for other loans, there isn’t always a reliable solution that replaces a payday loan. No denial payday loans – when offered by legit direct lenders – are reliable, quick, available to almost all borrowers, and can often be applied for online.

What are No Denial Payday Loans?
No denial payday loans are payday loans that are offered with a stipulation of certain approval subject to the borrower being eligible. So, if you as a borrower apply for a no denial payday loan, you shall certainly be approved for the loan if the offer is legit and if you meet the loan eligibility requirements of the lender. Some lenders may term a similar loan offer as a “guaranteed payday loan”.

At Instant Approved Loan, to be eligible for our no denial payday loans, you shall need to meet these criteria:

Must have proven monthly income of $1,000 or above
Must have an active savings or checking bank account
Must share valid contact details
Must be 18 years old or above
Must be a US citizen or a permanent resident with a valid SSN

Are No Denial Loans Safe?
Not all payday loans that guarantee approval can be considered safe. However, some no denial loans are income-based loans. Since payday loans have very short tenures, income is a more valid tool to suggest loan repayment ability over credit scores. Hence, income-based payday loans such as what we offer at Instant Approved Loans, can be considered safe.

Need a Totally Reliable Loan? Choose a Trusted Online Lender
When looking for a no denial payday loan, what a borrower really needs is reliability. In today’s lending market, you may come across offers of no denial payday loans from:

Online direct lenders
Loan brokers
Store-based or pawn lenders
Amongst these, online direct lenders typically offer valuable benefits and deals as their operating costs tend to be low, competition tends to be high, and third-party entities aren’t involved in the deal saving time and commissions.

Choosing a trusted online lender with good reviews, a well-constructed website, and legit services can help you stay safe while getting a prompt and reliable service.

Legit No Denial Loans are offered by Direct Lenders Only
In the non-traditional lending market today, brokers and other third-party entities also claim to offer no denial loans. However, it can be useful to know that ultimately, only a direct lender can offer a legitimate no denial payday loan. Any third-party entity like a broker can only make such claims on behalf of a lender and deal with a direct lender hence can have great benefits such as:

No third-party delays
No third-party commissions
Better transparency in deals
Easier communication with the lender

Taxation in Debt Mutual Funds

Debt Mutual Funds significantly invest the money in fixed-income securities like government securities, debentures, corporate bonds and other money-market instruments. These products carry the low risk compared to Equity. They have low volatility and have potential to generate modest returns over time.

Tax on Debt Funds

Like other Funds, Debt Funds are also subject to capital gains tax, Short-Term Capital Gains Tax (STCG) & Long-term Capital Gains Tax (LTCG). If Debt funds are held for less than 3 years, then STCG is levied and if more than 3 years then LTCG is levied. Presently, the LTCG levied is 20% with indexation and STCG is taxed as per the investor’s tax slab. If the Investor’s Income Tax Slab is 20%, then the same will be levied on the Debt Funds gains in the case of STCG.

Indexation Benefits

Indexation is a tool that is applicable to long-term investments. It helps an investor to adjust inflation while gauging the returns of the invested amount.

As inflation is gradually rising, what’s worth Rs. 1000 could be worth Rs.1100 sooner in the near future. Thus inflation is reducing the purchasing power of our money. The same amount will be enabling the investor to buy lesser and lesser goods.

So how does indexation help us? To understand that, let us first understand what capital gains is. Capital gains are nothing but the increase in the value of an investment over a specific period of time. If a NAV of a fund was Rs. 10 when you invested and is now Rs.15 while you plan to redeem it, that difference of Rs.5 is called capital gains. So we are yielding a capital gain of Rs.5unit when we redeem.

In the case of debt funds, we arrive at long term capital gains after indexing the purchase price of the investment. When subjected to indexation, it lowers the long-term capital gains tax, which brings down your taxable income. Indexation is the reason why debt funds are looked upon as an excellent fixed-income investment option.

How does Indexation Work?

The rate used for inflation in indexation is obtained from the Government’s Cost Inflation Index (CII). The Central Government determines the values of the index and is updated on the Income Tax Departments Website. The data is available from 19981 onwards.

Let us consider the below example to understand how indexation works:

Imagine you invested Rs.1,00,000 in May 2015 in a debt fund of your choice. Today you choose to redeem your money. So you have gained Rs. 1,50,000 on your investment. Since your holding period was beyond 3 years you will not need to be required to pay tax on the entire amount of Rs.1.5 lakhs. You will need to arrive at the indexed cost by using the formula:

ICoA = Original cost of acquisition * (CII of the year of sale/CII of year of purchase)

So the indexed cost will be 1,00,000 (240/301) = 79,734.

So our Capital Gains will now be 1,50,000-79,734 = 70,266.

Using indexation, we have managed to reduce the income subjected to tax, which would be Rs. 14,053.2.

The benefit of indexation works best when your holding period is longer. For a holding period of 5 years, on average, the long-term capital gains tax on debt funds can come down efficiently. Thus indexation helps us to save tax on Long-Term Capital Gains and increases our earnings.

4 Reasons to buy Shiba Inu Coin Today

After the significant rise of Dogecoin, many investors have become millionaires. It looks natural and also waiting for the next hype cryptocurrency before it takes off. For example, just think about that if you have invested more than $100 in Dogecoin in the last year, you could have gained an excess profit on it when Elon Musk appeared on SNL.

While most of the investors are still holding Dogecoin and also hoping that it goes up again, others are started to focus on other cryptocurrencies which give more return on investment.

Now!, Why investors are facing the SHIB coin?. Here are the 4 major reasons to buy the Shiba Inu coin before it goes to the moon.

1. The hype

Hype is one of the major factors behind a lot of crypto investments nowadays. SHIB is one of the upcoming popular cryptocurrencies and also it creates hype among investors now. A lot of peoples are already started to look into this and fanbase backing it and investing in it. We can’t deny that how dogecoin performed well in the last year and all the coins are creating hype based on the meme. Yet, millions of peoples still investing billions of money in it. Like Dogecoin, SHIB can make it. Many of them are saying it as “The Dogecoin Killer”. Once again, I would say. Meme makes profits.

Unlike Bitcoin, there’s no research or information available about how Doge has a possibility of being stable crypto or the future of money. There is information readily available about how it’s almost impossible for Doge to become anything at all in the future.

2. Very cheap

At the time of writing this article, the price of SHIBA INU is $0.000008121. For $5, you can buy 613,011 no of SHIBA coins with a minimal fee. This is very cheap. There are many possibilities to make lots of profit in the future. At least with SHIBA INU, you can hold the coin as much as you want to sell before. But the price of this coin pushed me to buy more. Even if I paid $5 to buy 613,011 amount of coins and also the price falls in the future, it will not consider it a big loss.

3. Have watched this before

A year ago, the cost of a Dogecoin was $0.0025. Now the price is around $0.312. This is a WOWSOME rise in the price within the 12 months. I am saying that, don’t look at the possibility of SHIB like how it’s happened to the Dogecoin. Keep your hope on it.

4. Requires minimal fee to buy SHIB

Buying the Shiba Inu token on the Ethereum network was more expensive. It makes me nonsense to buy a minimal dollar worth of SHIB coin for a heft fee over the Ethereum network. Now, this has changed better. Most of the exchanges have been listed SHIB tokens, so you can buy them at a low fee instead of spending more money on the Ethereum platform.

Paying fees to the various brokers can efficiently limit every people from investing in digital currencies. More fees can make fewer profits, high risks, and discouraging investors to proceed further. With many crypto exchanges coming up, it increases competition between the exchanges and makes them decrease the transaction fees.

At this moment, you can buy SHIB tokens from various exchanges such as Kukoin, Uniswap, Huobi Global, etc, at the lowest fee and also earn the excess amount of money.

Are you from India? Looking for the best place to exchange SHIB to INR?

And also,

Do you want to know? How to buy Shiba Inu Coin in India?

Then.

I would suggest “Koinbazar”, India’s most trusted and leading cryptocurrency exchange platform where you can buy, sell, and trade Bitcoin (BTC), and other types of cryptocurrencies at a minimal fee when compared to the other exchange. Koinbazar supports instant INR deposit options which help to deposit funds instantly.

Wrapping up:

The hype behind the Shiba Inu coin right now is more and wait for the moment to reach its sky-high. Investing money in digital currencies could gain more profits with a few months or a year. We have already experienced Dogecoin and it is also likely to happen for other cryptocurrencies ever than before.

Are you looking for an Online Gaming Merchant Account?

starting an online gaming business is not easy. Gaming merchants face certain difficulties when they monetize their platform, which is why they need a reliable High risk merchant account.

Why a high-risk account for gaming?

Besides the fact that online gaming has a huge customer base, many financial institutions consider online gaming to be a high-risk business. Risks associated with gaming industries are:-

Anonymity of players
Credit card Frauds
Money laundering
No transaction history
Unfortunately, these reasons prevent banks from providing merchants a payment gateway for their platform. Luckily, there are third parties who provide a sustainable gaming merchant account for high-risk merchants.

Highrisk gateways offer unique gaming merchant account to high-risk merchants. Get in touch with our expert team to help you integrate the payment gateway on your online gaming platform.

Our Dedicated Services

High-risk merchant account
High-risk payment gateway
Credit card processing
Offshore merchant account
Offshore payment gateway
High-risk credit card processing
eCheck payment gateway
An Ideal online game-savvy merchant account

Online gaming requires a specialized emphasis on certain issues. You must find a provider which focuses on the following issues:-

Charge-back reporting and prevention

You must find a payment processor which reports instantly any refund inquiry by the players. Many charge-backs requests can be false which highly affect your profit margin.

At Highrisk Gateways, we assist to reduce charge-backs, and also with the help of our powerful dashboard you can easily spot the daily cash-back ratio of your platform.

Fraud protection

Having a payment gateway that helps in lowering down frauds can be a wise investment. A huge turnout on gaming platforms attracts many fraudulent transactions which can harm your brand value. Furthermore, if frauds are controlled then the charge-back ratio decreases vice-versa.

Highrisk gateways are PCI-DSS certified and provide an extra layer of security to your customer’s credit/debit card details. With more security, you can easily onboard a large number of players on your platform.

Support Multi-card brands

The gaming community consists of players from around the world. If your payment gateway supports more than one card brand then chances are players around the world will play on your platform.

Highrisk Gateways payment processing allows you to accept major card brands globally, such as MasterCard, Visa, Union Pay, JCB, Discover, Diner Club, American Express, and many more.

Why Highrisk gateways?

Highrisk gateways is an industrious company, our main aim is to improve your gaming platform with our online gaming merchant account service. Taking steps further with us can prove a lifelong partnership. Our exclusive services are well suited for your online gaming payment hassles. Also, with our 24×7 expert team support, you can report any inconvenience to solve it right on the spot. The online gaming industry is our arena of expertise; we only deal in high-risk industries. Highrisk Gateways provide a Dedicated MID so that merchants can easily access all the financial transactions. We believe in providing fast services so that customers feel comfortable during payment processing, our product gives you rapid payment processing and the fastest approval to transaction.

With our easy checkout process, Customers can pay conveniently.

We believe in providing the best in class user experience that’s we provide a customized dashboard for your daily updates.

What a legal performer as Cassi Davis for the best help?

People like to dump their careers in their interests and in what they are smart. But, now there is a break from this regular professional choice with people who decide to pursue their careers using their skills in designing, cooking, writing, and even talking. Some individuals have art talking in such a way that they hold everyone’s attention and give their point very well, that people cannot help but are influenced by their speech. For these people, there is a lot of scope in making their careers as speakers, especially motivational speakers. In general, it helps to give employees the kind of things they need to connect with the speakers.

An extraordinary company of a speaker can provide variations and floods associated with all that occurs accordingly. cassi davis involves hearings in their speech and motivating them by just prioritizing motivational thoughts but in their unique and talented ways. Terms such as ‘main presentations’ and ‘main speakers’, have become quite popular in recent years.

In the simplest form, the main speaker conveys key records or topic points at an event or conference. The event planner will hire an orator to convey important points about the event or event. The need for high-quality speakers grows. The main speaker can make or destroy conferences or events and to be successful, the speaker must leave an indelible impression on the audience. This article provides tips and ideas to make your next unforgettable language event.

Keynote speakers, a specialist with very good knowledge of legal authority
Inspiration research ultimately depends on the perception of a person. The Keynote speakers also needs humor makes people laughing is a good way to connect with them. This helps in creating an informal atmosphere and helps convey messages to the audience concerned. The main speaker must be innovative in his speech.

With his speech, he can have a good influence on his audience and people who are good speakers can be inspired and can greatly affect people’s assembly. The main speaker’s role is to make speeches that will often define the theme of the event whether it is a corporate or political event. This event may have other speakers too but the main sayings can be the most important.

Arnold Vosloo is a pride of our company to change the best chance coordinator. Detect your psychological distribution center for branches at this point, having several attempts to consume space; they must go to the contact facilitator. People who give Keynote speech can also order high costs for speeches made. Motivation speakers are often rented by organizations to motivate their employees through extraordinary ways of speaking.

Motivational speaker consultants, professionals, have achieved success in their field by making many speeches that encourage employees in the organization, with this speech effect indicated in employee performance. Further extension for the motivational speaker profession is the main speaker. The main speaker about certain problems to the audience and makes them understand the benefits that can be reduced. Speakers are demand specialists having a fundamental step to get many accurate speeches.

How an SIP can help build your child’s higher education corpus?

Planning for your child’s higher education corpus may look quite daunting at the beginning to gather such a large amount of funds considering the increasing inflation rate. Still, it is achievable, provided you are planning early and start your investments with SIP i.e. systematic investment plan in a mutual fund. Plan your financial journey according to your child’s future needs to achieve your desired goals.

Hypothetical example is given below -

Ms. Varma is a single mother of a child who will graduate in 10 Years. Ms. Varma wants her son to pursue Law. Let’s assume today’s cost is Rs 3 lakh; and now we need to calculate an estimated cost for the same in next 10 years based on assumed at 6 % p.a. inflation rate. So the cost of the education in the next 10 years is Rs. 5.37 lakhs. This goal can easily be met through SIP provided a regular investment of Rs.2334 is made on a monthly basis assuming the rate of return is 12 % p.a. (Please note this is based on the SIP and inflation calculator, however, it is not a guaranteed rate of returns)

Thus, it is most essential to plan and prepare to ensure your child gets access to the best of colleges. If you plan early, you may not have to compromise on your child’s future

Below is the step-by-step guide given to plan your SIP journey that helps build your child’s aspirations

Step 1: Decide Your Time Horizon

As stated in the earlier example, time is a crucial factor to determining your goals. Estimate the number of years left for your child’s graduation. The longer the time horizon, the better it is for you to plan and invest. Start early, invest wisely.

Step 2: Estimate the Cost of Education

You need to decide whether he or she wants a global exposure for education or a nearby well-renowned institute for their child. Also, which area of education do you want your child to graduate in is another important parameter to check. Depending on such points, you should be able to figure out an estimated cost of education. While keeping this in mind, it is thus important to determine future cost of school/ college.

Step 3: Assess Your Existing Assets and Liabilities

Make a list of all your assets and liabilities to help you assess your financial health and you can choose to plan better for your child‘s future goals. In a typical case, depending on your age, income and other significant criteria, you may need to prioritize your child’s education loan over the cost of a dream car or perhaps choose to delay your retirement planning depending on assessing your expenses and income (add a full stop)

Step 4: Estimate for the Amount to Be Saved

After calculating and assessing your assets and liabilities, the next step is to estimate our savings. Depending on that, you can choose your investment corpus. Decide how much you need to save now or whether a monthly contribution is required to achieve this goal on or before time. The easier way is to put aside some money towards each goal in a systematic manner. You can either opt for the Systematic Investment Plan in mutual funds or choose any other mode of investment options. An SIP is a preferred way to manage your investments. A disciplined and a planned approach will always make your journey easy.

Step 5: Choose your investment plan

Choose judiciously and invest wisely should always be your mantra. Asset allocation strategy is a boon to your investment journey. You may need to invest your hard-earned money in different investment avenues that depend on your risk appetite that aligns with your goals. Make sure you use the diversification strategy and continue to rebalance your portfolio at timely intervals. An SIP in mutual fund helps you do just that. You can choose from various assets such as equity, debt, gold, hybrid, etc. Ensure you analyze all the risks involved before investing, for example: Market risk, changes in Government policies, financial or economic crisis, etc.

Step 6: Prepare Yourself For The Unexpected

Make sure you are prepared for the additional costs that may or may not be included in the education cost, for example – tuition fees, hostel stay, books and stationery, etc. Remember to add them while preparing the cost analysis. None the least, start your investments today, Don’t delay. The earlier, the better.

Thus, with proper planning you are able to envision your child’s education expenses and help him or her achieve their dreams.