Suman Finances

  Listening is an art that is missing these days. Active listening is a crucial skill that goes beyond simply hearing what someone says.  I was unwell and had lost my voice for almost a week.  Now I am much better but I couldn't speak and whatever little that I spoke was very painful like a needle poking in my throat. I realized that people were not able to understand that empathy was missing or they were too focused on what they had to say, they kept calling me despite messaging them that I couldn't speak. Also whatever little that I spoke to a few people they didn't want to give me a chance to even complete my sentence and before that they would give their views. Just a HUMBLE request to people to start listening to at least your near & dear ones.  Maybe there will be less stress in your life. following are the benefits that I could think of 1) Better Emotional connection 2) Less Misunderstanding 3) Deeper understanding 4) Reduced Stress 5) Reduced Conflicts 6) Better

  "WHAT IS YOUR MONEY KARMA" This song by Taylor Swift " KARMA" teaches us a big lesson about Karma. We all have learnt from our childhood that don't say bad things and don't do bad things but how many of us really follow? "Karma, the intricate web of cause and effect woven by our actions, holds a profound influence on our lives. What we sow, we inevitably reap. Whether through kindness or malevolence, our deeds reverberate through time, shaping our destiny. Negative actions, thoughts, or intentions, if left unaddressed, can taint our path, leading to a life marred by unforeseen consequences. The repercussions of our actions, often unforeseen but deeply felt, serve as a reminder that every choice bears a weight that echoes in our lives. Embrace positivity, sow seeds of kindness, and nurture a life that blossoms with the harmony of good deeds. Let us tread consciously, for our karma is the artist painting the canvas of our existence." Understanding

  Problem = Opportunity Innovation and Growth: Problems often spark innovation. When faced with challenges, individuals and businesses are pushed to find creative solutions. These solutions can lead to the development of new products, services, or processes that drive growth and progress. Learning and Improvement: Problems present opportunities for learning and improvement. Each challenge offers a chance to gain new knowledge, skills, and experiences. By overcoming obstacles, individuals and organizations become stronger, more resilient, and better equipped to handle future difficulties. Differentiation and Competitive Edge: Addressing problems in unique ways can differentiate individuals or businesses from their competitors. Those who effectively solve problems in innovative ways often gain a competitive edge, positioning themselves as leaders in their respective fields. Adaptation and Change: Problems force adaptation and change. Embracing these challenges as opportunities encourages

  What are Hybrid Funds? They are the funds, that invest in more than one asset class. These are typically a combination of Equity and debt and commodities at times. What is the benefit? The benefit is that the investors buy a single fund instead of 2 funds or multiple funds What are the types of Funds under Hybrid Funds 1) Conservative Allocation or Balanced Funds: These funds maintain a balanced mix of stocks and bonds, often with a higher allocation towards bonds (typically 60-70%) and the remainder in stocks. They aim to provide a blend of growth and income while managing risk. 2) Moderate Allocation or Moderate Allocation Funds: These funds strike a balance between growth and income by maintaining a relatively equal mix of stocks and bonds, usually in a 50-50 ratio. They aim to offer moderate returns with moderate risk. 3) Aggressive Allocation or Growth & Income Funds: These funds have a higher allocation towards stocks (about 70-85%) and a smaller portion in bonds or other

The Focus  Time flies and we don't even realize. In our mechanical life we forget to live those little moments that are truly joyful, beautiful, and happy. I am fortunate that I did justice to my motherhood and my daughters by taking a back seat in my career and I feel no regret for I know the time I spent with them when they really needed me and their childhood is not coming back. Now they are grown up and I am focusing on my career but I still wish I could travel back in time and live their childhood once again. How many of you miss your children's childhood.? "I DO"

  WHAT IS BAF? Unlock Financial Stability with Balanced Advantage Funds Are you seeking a smart investment avenue that adapts to market dynamics while aiming for stable returns? Look no further than Balanced Advantage Funds! These funds offer a unique blend of flexibility and stability, catering to both cautious and growth-seeking investors. Features that Make Balanced Advantage Funds Stand Out: 1) Dynamic Asset Allocation: These funds adjust their equity-debt mix based on market conditions, capitalizing on opportunities and mitigating risks. 2) Steady Performance: With the ability to rebalance portfolios, they aim to deliver stable returns across market cycles, ideal for risk-conscious investors. 3) Risk Management: Balancing between equity and debt, these funds aim to reduce volatility, offering a smoother investment journey. \ Who Should Invest in Balanced Advantage Funds? 1) First-Time Investors: Ideal for those venturing into mutual funds, seeking a balanced approach to grow thei

  I WILL NEVER DIE Got awarded for my book "I WIL NEVER DIE" on26 Nov 2023 in Goa. In my 20 years of experience In the Financial Industry, I have seen many people saying NO to retirement Planning for various reasons Reasons are multiple 1) They are too young to plan for retirement 2) No money to invest 3) No time for a meeting to decide on Financial Goals 4) Family functions/ vacations/commitments/ work 5) Have already invested in Property 6) No time for even reviewing their existing investments. But when you go to see the oldage home the people over there have made these mistakes and have landed there due to the following assumptions  A few assumptions that people make 1) I will work till I am alive I won’t retire.   2) My body will support me I will take care 3) My Children will take care of me 4) I will save at a later date 5) My family will support me if I am in need. I will suggest STOP PLAYING GAMES with your futureself.  And take a step to secure it by taking action no