The Wealth Architects

We Design Your Financial Destiny

(Precious) Words of Wisdom : "Beware of little expenses. A small leak will sink a great ship." ~ Benjamin Franklin

Why I Don't Like The Annuity Plans?

Annuity is an investment that will give you
a. a fixed amount of money,
b. periodically, say every month,
c. for the rest of your life.

It is this comfort of receiving income every month, month after month, for one's entire lifetime that attracts people towards annuity plans.

Top 10 Tips To Become A Smart Borrower

Nowadays, loans are both 'easily' AFFORDABLE and 'readily' AVAILABLE.

Moreover, markets offer infinite opportunities to splurge upon.

So the borrowing is on the rise. But we need to be careful... very careful. Remember that there is no free lunch.

Should You Stop Investing In The Debt Mutual Funds?

Well, the straight and simple answer is NO.

An unnecessary scare is being created in the media around the safety of debt funds.

In recent times, there have been some 'minor' problems with a 'few' of the debt funds. This has been blown out of proportions. So much so that investors are getting excessively worried.

SIP Top-up : A Tool To Create Wealth

Systematic investment plans (SIPs) have emerged as a powerful and popular tool for investors to meet their financial goals.

There are, however, times when some financial goals seem difficult to achieve within the required horizon due to paucity of funds.

Latest Post Office Small Savings Schemes Interest Rates

The Department of Economic Affairs, Ministry of Finance has announced the latest interest rates on the Post Office Small Savings Schemes for the period April to June 2019.

This was notified vide its Office Memorandum 'Revision of interest rates for Small Savings Schemes' dated Mar 29, 2019.

Pre-Approved Loan Facility

Loans are one of the best options to settle your financial payments. When it comes to dwindling expenses, personal loans are the most appropriate option to rescue you from the same.

There must have been times when you receive calls and messages for getting a pre-approved personal loan. Not just calls and messages, while withdrawing money, you might also see messages popping on the ATM screen regarding pre-approved loans. Well, these are promotional actions undertaken by the banks and lenders in order to you the loan.

Don't Let Your Gift To Loved Ones Become A Junk

Open your store-room and a number of unopened boxes would fall on your head. These are the various anniversary, birthday or similar such gifts that you received over the years from your relatives / friends.

Unfortunately, many of them landed straight into your junkyard.

Reasons? There were too many clocks, too many casseroles, too many bowls; it didn't suit the decor of your house; the colour / design didn't match your tastes, etc.

An Investment In Knowledge Pays The Best Interest ~ Benjamin Franklin

You Learn A Lot By READING... And Even More By SHARING.

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Ignorance is like a SIGNED BLANK CHEQUE... anyone can MISUSE it.

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... Three VALUABLE Tips ...

1. How Rs.1 Lakh Became Rs.1 Crore In Mutual Fund Scheme
Reliance Growth Fund
Stay invested through all the rough and tough times.


2. In Mutual Funds You DON'T Have To Book Profits
Profit Booking
STOP the (wrong) practice of profit booking in mutual funds.


3. Twist In Credit Card Interest Calculations You Must Know
Credit Card Interest Calculation
Calculating Finance Charge on your Credit Card is LOT SIMPLER than this.