How to achieve your financial goals


Investing is not always disciplined and can vary significantly in approach. Sometimes it is to save on taxes, sometimes it is to park surplus cash and sometimes to catch up with a trending investment.  Our goals don’t necessarily define our investments. A global survey of investors conducted by France-based asset management firm Natixis shows that 57% of investors do not have clear financial goals, 67% do not have a financial plan in place to reach what goals they have, and 77% rely on gut instincts to make investment decisions. Investing without a defined plan and a disciplined approach often ends up off the track. When you invest based on your goals and with an appropriate plan, it provides you with more clarity and confidence into your financial journey. Here’s how to go about reaching your financial goals.

How often do we spend our time planning to invest our wealth in the secured funds and the stock markets? It’s good to have your wealth growing and preserved to accomplish your life goals. While it is equally important to plan who inherits what, after you’re gone. Would your family members be able to inherit your wealth easily or would they have to go through legal intervention? Legacy planning makes all of this easier, as advance planning is done to decide the ownership of the wealth after you, with minimal legal procedures. This edition highlights the importance of legacy planning and it will take you through the different ways of legacy planning...

We hope you and your family are safe and healthy. In the current outbreak, where the economy is severely impacted, it becomes a concern to have your well-being protected. Your financial protection happens when there is sufficient insurance coverage. This edition is about understanding the importance of insurance especially health and term insurance and having it to protect your loved ones. Read on...

What do you look out for before joining an organization? Is it the salary, employee benefits or both? This choice will differ from individual to individual. But when an individual gets into the organization, he/ she must be aware of the benefits provided to them. These benefits are an additional financial support to the individual as it reduces the cost on education, travel expense, medical expenses and various other expenses. Companies also add on gratuity, superannuation, and many more benefits to your retirement. To understand the employee benefits in a better way, continue to read...

There are set of dreams that have to be accomplished and as a parent, children’s goal becomes more crucial. Savings and investments made for your children is not enough. You need to embed financial skills in your child to make him financially independent. This, edition will help you to align investments to meet your Child’s goals along with a few training tips that will help your child manage money on their own.

While inflation has been pushing the prices to its highest limit, everyone is of the thought to bring down the high price. In such, a situation one is at ease, when medical expenses are backed up by health insurance. Health insurance manages your expenses while your treatment goes smoothly. You are also availed with a tax benefit. This edition is a complete guide for your understanding towards health insurance and its various features. 

The ultimate aim of a tax planning is to ensure you are able to minimize the tax liability by choosing the right tax saving instrument. Tax planning needs to be efficient enough that enables you to not only save taxes but should sync in with your financial goals. To understand the different deductions and exemptions available to salaried and retired individual at different stages of life, go ahead and read the full article…

Is it possible to diversify the risk of your portfolio with just one instrument?Yes, with ETFs one can invest in various stocks via index. They are passively managed instrument that track the benchmark index. It's a tool to beat inflation and also has various advantages such as tax benefit, options of various asset class and acts as a hedger. As this instrument seems interesting let's take a look at it. Go ahead and read full version for more information...

Indian equity markets are enduring high volatility over the past few months due to domestic developments such as the liquidity tightening, slowing economy, and subdued Q1FY20 earnings. The corporate tax cuts and the direct impact on earnings of this move would provide potential investment opportunities in the markets. As we start seeing some green shoots of recovery in the economy, particularly in the festive season ahead it could lead to an improvement in market sentiment and performance. This month's edition is about the market outlook, where fund managers have been interviewed, based on their investment strategy and views over the market..

When you talk about retirement the only question that arises is, have you collected enough for your living? We are uncertain of the expenses that will occupy in future, thus planning only before retirement is not sufficient. Post your retirement there has to be investments that keep an ongoing cash inflows. Planning for retirement should be such that even if your life expectancy increases you have that corpus to suffice your requirements. This article provides you ways to invest, post your retirement. Read more...

An ideal investment vehicle that is well-diversified, low cost and tax efficient way of growing your savings. Funds' performance is compared from its actual vs the benchmark showing its growth, risk parameters to analyse the risk in the fund. A comparison is done between mutual funds against other investment avenues, read the article to know more.

House property could be a daunting process as many facts and figures have to be justified and multiplied. With the price of the property being crucial, a wise decision has to be made while investing in this asset. Thus, read more to get smart tips for investments in a house property.

A financial instrument that is derived from an underlying asset that gets excised on or before expiry date. An instrument which is typically used to hedge risk involved in price fluctuation, interest rate movements, currency fluctuation, inflation, market movements, etc. Are you familiar with words like Futures, Options, Call, Put, Margin, etc. this all will be explored here as you go in depth of this article. Learn more.

Thinking about financial liabilities, we tend to get attracted too much towards credits with its phenomenal offers. The only way to tackle these issues is when they are managed in a right way. This month edition will develop your understanding towards available loans and the precautions that could save you from a debt trap. Know more......

Mutual fund are dominant investment vehicle for the retail investors these days. Seeing the variety of options served by the mutual fund houses, investors could utilize these variant mutual fund offers to accomplish their different financial goals. To know how it is done read on.

We are concerned about staying physically fit and prepare strict diet to remain fit. Likewise, we should have a financial plan to keep our financial budget healthy. For years we miss out on checking our investments performance whether it's meeting our set goals or not. Having a perfect balance between savings, expenditure and investments plays an essential role in your asset allocation. Read more to be watchful of and analyze ways for better investments to create a strong financial portfolio.

Very often we take tax planning for granted, though the tax filing happens once a year we do tax planning last min. Most of us have tax planning but an effective tax plan could help in reducing your taxes much more. This edition will ensure you are known to every tax saving instruments that can help you design your income tax. Learn more.

Estate planning helps you to transfer you're wealth to the deserving individual that are worth your estate. Letting your desired wish in the form of a Will keeps you at ease than an intestate succession. This edition not only ensures you make an estate plan but also makes sure that you keep updating your plan in case of a Will. Read on for better understanding.

Planning your retirement corpus ensures you to enjoy your golden years. These days due to better medical facilities, the life expectancy has been growing, which will require you to have proper retirement planning in place. Here, we would help you to understand the importance of starting early and where you can allocate your funds for your retirement plan.

Here we bring you a few fund managers' views on how they see current market scenario especially with the rupee valuation and their advice for our investors. Read on to find out what experts are saying.

Securing our financial plans with insurance is of a vital task, but lot of us are unaware about getting the right insurance products. Thus, our cover story of this month will take you through different types of insurance covers and the benefits they offer.

Financial planning is investing for your goals and maintaining a fair amount of liquidity to meet any unforeseen emergencies. To deal with the uncertainties, building an emergency fund is a necessity. Here we would help you channel your resources in a very productive manner so that they can be put to best use whenever necessary.

Things to consider before investing in the equity market

A complete guide to exchange-traded funds

There's one underlying component that plays a significant role in deciding success of our investment portfolio - asset allocation strategy. The March edition of ICICIdirect Money Manager focuses on this aspect of investing.

Leave a legacy through comprehensive estate planning, Retail inflation eases in January, CBT to meet on February 21, decide on rates for 2017-18.

Plan taxes according to your life stage, Mutual fund analysis, This month on iCommunity, Equity Model Portfolio.

Buying the right insurance policy, out of multiple options available today, may seem difficult at first. But once the need of insurance and ability to pay is figured out, suitable cover can be easily determined. We believe, understanding all aspects of the product before taking any financial decision is a thumb rule of money management. And since insurance plays an integral part of our personal finance, our November issue is a brief guide on insurance planning.

ICICIdirect Money Manager Magazine Cover - June 2020 Edition

June 2020

ICICIdirect Money Manager Magazine - June 2020

ICICIdirect Money Manager Magazine Cover - May 2020 Edition

May 2020

ICICIdirect Money Manager Magazine - May 2020

ICICIdirect Money Manager Magazine Cover - February 2020 Edition

February 2020

ICICIdirect Money Manager Magazine - February 2020

ICICIdirect Money Manager Magazine Cover - January 2020 Edition

January 2020

ICICIdirect Money Manager Magazine - January 2020

ICICIdirect Money Manager Magazine Cover - December 2019 Edition

December 2019

ICICIdirect Money Manager Magazine - December 2019

ICICIdirect Money Manager Magazine Cover - November 2019 Edition

November 2019

ICICIdirect Money Manager Magazine - November 2019

ICICIdirect Money Manager Magazine Cover - October 2019 Edition

October 2019

ICICIdirect Money Manager Magazine - October 2019

ICICIdirect Money Manager Magazine Cover - September 2019 Edition

September 2019

ICICIdirect Money Manager Magazine - September 2019

ICICIdirect Money Manager Magazine Cover - August 2019 Edition

August 2019

ICICIdirect Money Manager Magazine - August 2019

ICICIdirect Money Manager Magazine Cover - July 2019 Edition

July 2019

ICICIdirect Money Manager Magazine - July 2019

ICICIdirect Money Manager Magazine Cover - June 2019 Edition

June 2019

ICICIdirect Money Manager Magazine - June 2019

ICICIdirect Money Manager Magazine Cover - April - May 2019 Edition

April - May 2019

ICICIdirect Money Manager Magazine - April - May 2019

ICICIdirect Money Manager Magazine Cover - March 2019 Edition

March 2019

ICICIdirect Money Manager Magazine - March 2019

ICICIdirect Money Manager Magazine Cover - February 2019 Edition

February 2019

ICICIdirect Money Manager Magazine - February 2019

ICICIdirect Money Manager Magazine Cover - January 2019 Edition

January 2019

ICICIdirect Money Manager Magazine - January 2019

ICICIdirect Money Manager Magazine Cover - December 2018 Edition

December 2018

ICICIdirect Money Manager Magazine - December 2018

ICICIdirect Money Manager Magazine is a monthly personal finance publication by ICICIdirect, providing credible research, actionable investing ideas and comprehensive analysis to its readers. Covering a wide range of topics related to stocks, mutual funds, insurance, loans, taxation, etc., Money Manager Magazine keeps you abreast of the latest in the world of personal finance.

1. You agree that the use of Magzter.com, the application and its services, are at solely at your own risk. Neither Magzter.com nor its associates nor employees nor third party content providers guarantee that the service will be completely uninterrupted or error-free or foolproof against miscreant activities. Nor do they warranty that you will get the exact results as expected or promised by the website or product.

11. THE SERVICE AND ALL PUBLICATIONS ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS. MAGZTER, ITS AFFILIATES, SUPPLIERS, LICENSORS AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, NEITHER MAGZTER NOR ITS AFFILIATES, SUPPLIERS, LICENSORS OR AGENTS, MAKES ANY WARRANTY THAT (I) THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR THAT MAY BE CONTAINED IN THE PUBLICATIONS WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PUBLICATIONS OR THE SERVICE WILL MEET YOUR EXPECTATIONS. YOU ARE SOLELY RESPONSIBLE FOR OBTAINING AND MAINTAINING RELIABLE INTERNET CONNECTIVITY AND YOUR DEVICE. MAGZTER IS NOT RESPONSIBLE FOR YOUR INABILITY TO DOWNLOAD CONTENT. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MAGZTER OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY.

2. You will maintain and promptly update that information to keep it true, accurate, current and complete. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account, including the selection and use of all content and services.

2.You will maintain and promptly update that information to keep it true, accurate, current and complete. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account, including the selection and use of all content and services.

3. In no event will Magzter.com or any person or entity or third party involved in the creation, production and distribution of the content on the website and the application be liable in contract or legally for any damages, including and not limited to, direct, indirect, incidental, special, and consequential incurred to you while or on using Magzter.com. By registering on the website or downloading the application, you agree that the provisions mentioned in this section shall apply to all use of and content on the website and the application.

3. Without prior written or authorised permission from Magzter, you should not modify, copy, distribute or sell any content obtained from Magzter as everything published here is the proprietary property of Magzter or its licensors. As such unauthorised use may also violate applicable laws including copyright and trademark laws, Magzter strictly prohibits these and will terminate your access and account if any such illegal activity is proved or detected. You should also stand liable for the damages caused by these unauthorised activities. Except as permitted by the Publication's lawful owner, you acknowledge that you do not acquire any ownership rights by downloading Publications accessed through the Service. Except as explicitly required under copyright law or permitted by the features of the Service you may not modify, reverse engineer, publish, transmit, display, participate in the transfer or sale, create derivative works of, or in any way commercially exploit or provide to a third party the content of the App, the Publications, or any portion of them without the express permission of Magzter and the owner of such content. We do not grant you any licenses, express or implied, to the intellectual property of Magzter or Magzter's licensors.

5. You specifically acknowledge that Magzter.com is not liable for any kind of defamatory or offensive or illegal conduct of other users or third parties or their content and that the risk of injury from the foregoing rests entirely with you.

8. Magzter reserves all rights to monitor the content published and inputted by you for the purpose of determining whether you are compliant with these terms and conditions and other operating rules determined by Magzter. Magzter has the right to take decisions about the content and delete them at its own will.

9. Magzter is a distributor and NOT a publisher of the Publications and so Magzter has no editorial control over the content, including opinions, advice, statements, services, offers etc., that is represented in the magazines. So Magzter will not take responsibility for the accuracy or the reliability for any information or facts provided therein or that is made available through the service, by anyone other than authorised Magzter employees who are acting on their official capacities. Accordingly, we have no editorial control over the Publications. Any opinions, advice, statements, services, offers or other information or content expressed or made available by third parties, including those made in Publications offered by the Service, are those of the respective author(s) or publisher(s) and not of Magzter. Magzter will not be liable for any loss or damage caused by your reliance on information obtained through the Service or from the Publications. The Service may contain links to other Internet sites and third-party resources and Magzter does not assume any responsibility or liability for communications or materials available at such linked sites. These links are provided for your convenience only. You are solely responsible for understanding any terms and conditions that may apply when you visit or place an order through a third-party site.

Choose your favorite titles from 40+ exciting categories

Details of the objectionable content, including its link on our platform

Download your favorite titles and read them offline, anytime and anywhere

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines and newspapers from thousands of best-selling titles.

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines from thousands of best-selling titles.

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines from {{magCount}} best-selling international titles.

Girish Ramdas is the Co-founder and CEO of Magzter, a New York based startup that has been making waves in the global digital publishing business. Magzter has crossed 80 million users since its inception in 2011 from more than 150+ countries with 1000s of magazines, newspapers and books from more than 4,500 publishers worldwide. He has more than 25 years of experience in cross-platform publishing, including print, mobile, and Web development. During this period, he has co-founded and run three successful start-up businesses. He has enabled magazine companies to go digital and helps them monetize their content across the digital world. Girish's deep industry experience in online, mobile and publishing ecosystems has made him an expert in acquisition, marketing and monetizing digital content across platforms globally.

In the event that you encounter any objectionable content on our platform, we have put in place a grievance redressal policy to address your concerns.

Magzter Inc. (“Company”, “we”, “us” or “our”) knows that you care about how your personal information is used and shared. Please read the following privacy policy (the “Policy”) to learn more about our privacy practices. By visiting any of the websites operated by the Company, and any sub-domains thereof, or using any of our mobile applications and other methods of content distribution (collectively, the “Service”), you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent that we will collect, use, and share your information in the following ways.

Magzter Inc. is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 80 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

Magzter is committed to providing a safe and secure platform for our users. Please note that Magzter is merely a platform for publishers to distribute their content. We do not control or endorse the content published on our platform. We cannot be held responsible for the actions of our publishers or their content.

Magzter is not responsible for compensating any party that has suffered damages or incurred costs due to any content, or part of the content, that violates their rights. Magzter is not liable to face any legal action in civil court for any violation of rights caused by any content, or part of the content, that infringes the rights of a third party.

Magzter offers the world’s largest {{allyoucanread}} subscription service called {{gold}} which gives digital readers unlimited access to 9,000+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

Magzter offers the world’s largest “All-You-Can-Read” subscription service called Magzter GOLD which gives digital readers unlimited access to 9,000+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

Name

Note: This will only share the cover and the publication information, but not the content.

Please fill out this form if you need any help regarding publishing your content on Magzter

Prior to Magzter, he was the President of Dot Com Infoway (DCI) and Galatta Media. His duties included strategic marketing, partnership development, and monetizing content globally. DCI grew from a small team of 3 in 2000 to 300 by 2011 and was dealing with web, software and app development for clients globally.

Since we launched, Magzter has been committed to partnering with global organizations to provide the greatest possible newsstand technology & service to our customers. Whether you are looking to offer magazine subscriptions to your customer database or just want to learn more, Magzter is committed to helping your business grow. To find out more, please fill out the questionnaire below:

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter Notice.

This Policy covers Company’s treatment of personally identifiable information (“Personal Information”) and other information about you and your computer or device that Company gathers when you are accessing the Service. We may collect Personal Information from you, as explained in more detail below, and we use this Personal Information internally in connection with our Services, including to personalize, provide, and improve our products, services, content, and advertising, and to allow you to set up a user account and profile, to contact you, to fulfill your requests for certain products and services, and to analyze how you use the Services. In certain cases, we may also share some Personal Information with third parties, but only as described in point 4.

This title is included with your Magzter GOLD subscription

To analyze the quality of content and provide appropriate feedback to publishers

We have designated a Grievance Officer to address any complaints related to objectionable content.

We request that any complaint related to objectionable content be sent to the Grievance Officer through email to the above-mentioned email address. We also request that you provide the following details when making a complaint:

and the App that provides you the capability to order, subscribe to and receive the delivery of various magazines, books, news and magazine and publication related content (collectively known as 'Publications') and to have these digital versions of the Publications delivered to you

c. We also collect information associated with your use of the application in order to make personalized recommendations. If you provide your third-party account credentials to us, you understand some content and/or information in those accounts (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and that Third Party Account Information transmitted to the Service is covered by this Policy.

f. The Personal Information we collect allows us to respond to your requests, improve our products and services, customize the advertising and content you see, and communicate with you about new products.

is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

n. We will also use usage information in order to ensure users adhere to our Terms of Use. For example, a user’s usage information will help us confirm that a user only downloads a magazine or other content a permitted number of times or to a permitted number of devices.

which gives digital readers unlimited access to 9,000+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

ICICIdirect Money Manager Magazine - October 2015

ICICIdirect Money Manager Magazine - October 2015

In this issue

ICICIdirect Money Manager Magazine Description: