{"id":9575,"date":"2020-06-11T13:03:32","date_gmt":"2020-06-11T07:33:32","guid":{"rendered":"https:\/\/www.mintyapp.in\/blog\/?p=8651"},"modified":"2024-09-30T14:41:25","modified_gmt":"2024-09-30T09:11:25","slug":"financial-planning-amid-covid-19","status":"publish","type":"post","link":"https:\/\/blog.fintoo.in\/blog\/financial-planning-amid-covid-19\/","title":{"rendered":"Financial Planning amid COVID-19"},"content":{"rendered":"\n

The drastic changes that we have seen in the world economy due to the global spread of COVID-19 need no introduction. You would have already witnessed the volatility of the market. As we all have seen in news reports, around 25% of the workforce have lost their jobs and many others have witnessed pay cuts. Country Lockdown has caused some small businesses to shut down permanently and others have witnessed a fall in business. All this has led you to have an in-depth look at your own investment portfolio.<\/p>\n\n\n\n

As coronavirus continues to spread and there is no vaccine that is being invented yet to cure this disease, it is crucial that we take steps to keep our personal finances in place. You might be having a question as to how we need to do it? In this blog, we will discuss all those important steps that you need to take, to make sure you are securing yourself for the coming months and also for the years to come.<\/p>\n\n\n\n

Let us discuss these steps in detail.<\/p>\n\n\n\n

1. Manage your cash flow<\/strong> \u2013 First and most important step is to revisit your cash flow. When I say cash flow, I mean income and expenses. You need to review your current income and also estimate your future income for at least 2 years. Put some thought on how the lockdown has impacted your current income and when this effect will last. <\/p>\n\n\n\n

It is suggested that you try to explore more sources of income. For example, if you are good at maths, you can start teaching maths to students. Explore your talents and start monetizing them. It is always good to have more sources of income rather than depending on just one. Apart from income, put some serious efforts into reducing your expenses, if possible to the extent of a pay cut, if any.<\/p>\n\n\n\n

2.<\/strong> \tCreate an Emergency Fund \u2013 <\/strong>Next step would be to create an emergency fund. It is important to be prepared for any uncertainty which may come. If you had an emergency fund and you used it already during current lockdown owing to pay cut or job loss then refill it at the earliest.<\/p>\n\n\n\n

The amount in the Emergency fund should be equal to 6 to 12 months looking at current uncertain times. This fund can be created by utilizing the money from non-performing funds. Also, you can utilize your vacation fund for this purpose.<\/p>\n\n\n\n

3. Protect yourself and family from this novel Coronavirus<\/strong> \u2013 Another important aspect of financial planning is having adequate health insurance policy. If you already have one, check if that amount is adequate if anyone or all the family members become COVID-19 positive. While selecting a health insurance plan, it is important to check inclusions and exclusions in the policy.<\/p>\n\n\n\n

4. Protect your family\u2019s expenses from future uncertainties<\/strong> \u2013 Not only health Insurance but also you should have an ideal life insurance cover. This is because your family\u2019s goal like children\u2019s education should not be affected in your absence. There are multiple types of life insurance policies, you should choose the one that suits your needs the best. If you have a limited budget, then term insurance would be the best bet.<\/p>\n\n\n\n

<\/p>\n\n\n\n

5. Debt Management<\/strong> \u2013 If you have too many loans and most of your income is going towards your EMIs, then now is the time to streamline your debt. Do not take any more loans until and unless it is the only option left. Start creating a plan to pay off your high interest loans.<\/p>\n\n\n\n

6. Short term Goals<\/strong> \u2013 After doing all of the above, you should be focussing on short term goals first which are critical. For e.g, if your child\u2019s education is 2-3 years down the line then you should be focussing on how to create that fund or refill that fund before jumping in for long term goals. It is highly recommended that you review all of your short term investments.<\/p>\n\n\n\n

7. Delay Discretionary goals<\/strong>– It is suggested that you keep all your discretionary goals at hold for some time till this COVID-19 situation eases out. Postpone your goals like buying a second home, vacations, buying a Car etc. Instead, if you have already invested some amount towards these goals, you can utilise this corpus either towards emergency corpus or short term goals.<\/p>\n\n\n\n

8.<\/strong> Long term Goals <\/strong>\u2013 Long term goals will be the last to review. You should also know that the investment you made for these goals is long term in nature so no need to worry about short term volatility. You can get help from a financial advisor to get your portfolio reviewed.<\/p>\n\n\n\n

9.<\/strong> Organise your finances <\/strong>\u2013 Last but not least, you should organize your paperwork. You may update nominee details in banks, insurance plans, Mutual fund investments, etc. If you have not linked your aadhaar with PAN, you may do it now. It is further suggested to switch to digital platforms wherever possible so that your time is saved. <\/p>\n\n\n\n

Conclusion<\/strong><\/p>\n\n\n\n

So these were some of the pointers that you should keep in mind while doing your Financial Planning amid this pandemic. If you are one of those who make active decisions to review their investments, there\u2019s something you definitely need to double-check based on the above points. You can always consult a financial planner to make this process easier for you.<\/p>\n\n\n\n

A financial planning platform where you can plan all your goals, cash flows, expenses management, etc., which provides you advisory on the go. Unbiased and with uttermost data security, create your Financial Planning without any cost on: http:\/\/bit.ly\/Robo-Fintoo<\/a><\/em><\/p>\n\n\n\n

To Invest and keep regular track of your portfolio download: Fintoo App Android http:\/\/bit.ly\/2TPeIgX<\/a> \/ Fintoo App iOS http:\/\/apple.co\/2Nt75LP<\/a><\/em>\u2018<\/p>\n\n\n\n

Disclaimer:<\/strong> The views shared in blogs are based on personal opinion and does not endorse the company\u2019s views. Investment is a subject matter of solicitation and one should consult a Financial Adviser before making any investment using the app. Making an investment using the app is the sole decision of the investor and the company or any of its communication cannot be held responsible for it.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

The drastic changes that we have seen in the world economy due to the global spread of COVID-19 need no introduction. You would have already witnessed the volatility of the market. As we all have seen in news reports, around 25% of the workforce have lost their jobs and many others have witnessed pay cuts. […]<\/p>\n","protected":false},"author":10,"featured_media":12244,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[345,351],"tags":[374,82,104,369,350,92,348],"yoast_head":"\nFinancial Planning amid COVID-19 - Fintoo Blog<\/title>\n<meta name=\"description\" content=\"How to do financial planning during pandemic situations like Covid-19, steps to be aware of and which we need to take to ensure smooth cash flow\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.fintoo.in\/blog\/financial-planning-amid-covid-19\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Planning amid COVID-19 - Fintoo Blog\" \/>\n<meta property=\"og:description\" content=\"How 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Manchanda","author_link":"https:\/\/blog.fintoo.in\/blog\/author\/nidhi-manchanda\/"},"uagb_comment_info":1,"uagb_excerpt":"The drastic changes that we have seen in the world economy due to the global spread of COVID-19 need no introduction. You would have already witnessed the volatility of the market. As we all have seen in news reports, around 25% of the workforce have lost their jobs and many others have witnessed pay cuts.…","_links":{"self":[{"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/posts\/9575"}],"collection":[{"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/comments?post=9575"}],"version-history":[{"count":5,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/posts\/9575\/revisions"}],"predecessor-version":[{"id":20636,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/posts\/9575\/revisions\/20636"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/media\/12244"}],"wp:attachment":[{"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/media?parent=9575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/categories?post=9575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.fintoo.in\/blog\/wp-json\/wp\/v2\/tags?post=9575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}