Author: Sandeep N Setty

Without the right protection, families can be left burdened with numerous expenses in the event of a tragedy. A proper life insurance policy, however, can provide crucial funds to secure an expat family’s future. Some of these expenses include: Below are three key ways in which life insurance benefits expats and their families: 1. Provides Financial Stability The aftermath of a family tragedy can be a challenging and unpredictable period. It can take a significant amount of time for a family to regain financial stability after the loss of the primary income earner. With a life insurance policy, a family…

Investing wisely is about balancing security and growth. The two primary approaches are: 1️⃣ Lumpsum Investment – A one-time large investment2️⃣ Regular Investment – Periodic contributions over time Lumpsum Investments: Prioritizing Stability If you have a significant amount to invest, it’s best to allocate more of it to guaranteed products to ensure financial stability. ✅ Capital Protection – Safeguards your principal✅ Predictable Returns – Provides steady growth✅ No Market Timing Stress – Shields from market volatility Best Options: Regular Investments: Building Wealth Over Time For long-term wealth creation, periodic investments offer the advantage of rupee cost averaging and compounding growth. ✅ Reduces Market Timing Risks – Invests across market cycles✅ Ensures Consistent…

Would you like to secure your family’s future while keeping your money working for you? Let’s talk about a unique strategy—Life Insurance Mortgage. Instead of locking up large sums in traditional life insurance, what if you could pay only the interest and let the principal be covered when needed? That’s exactly what I do. How Does It Work? Think of it as an interest-only mortgage on life insurance, where:✅ You only pay the interest, not the principal.✅ The principal (capital) is covered only when you pass away.✅ The interest rate on a life insurance mortgage is cheaper than a property mortgage. Why Is This a Game-Changer? 1️⃣…

You will agree that living stress-free is very different from living with too many worries and stress. Life insurance is more than just a financial product; it’s a foundation of financial security that can transform your life and provide peace of mind for your loved ones. It offers protection that reassures you and your family, ensuring financial stability during life’s most challenging times. Whether it’s supporting future goals, securing a legacy, or simply easing worries about unexpected events, life insurance can be a life-changing asset. 1. Protecting Your Loved Ones from Financial Hardship Life insurance is primarily designed to protect the financial well-being of your family if anything happens to you. A life…

A business owner faces a dilemma: he has a married son and a married daughter. He believes his daughter is the smarter of the two and wants to give her 75% of the business, leaving 25% for his son. But what if his daughter is not interested in running the business? What happens then? That’s a brilliant question to consider. I had a conversation about this just last week, and it led to some fascinating insights for a potential client to think about. Inheritance of Money vs. Inheritance of Power Money and power are two entirely different forms of inheritance.…

In the world of entrepreneurship, economic uncertainty is a constant, much like the endless ebb and flow of the tides. However, just as seasoned surfers learn to harness the energy of powerful waves, successful business owners discover how to turn challenging market conditions into opportunities for growth. Catching the Ideal Wave Consider economic cycles as colossal waves that you can’t control but can learn to ride. Just as expert surfers know exactly where to position themselves to catch the perfect swell, entrepreneurs can identify promising opportunities amidst market fluctuations. The secret is to monitor broader economic trends without letting day-to-day…

Asset structuring might sound like a complex financial term reserved for big corporations or high-net-worth individuals, but in reality, it’s a smart strategy that can benefit anyone looking to protect and grow their wealth. Whether you’re a small business owner, a professional, or simply someone who wants to make the most of your financial resources, getting asset structuring right can help you minimize risks, optimize tax benefits, and plan for the future. What Is Asset Structuring? At its core, asset structuring is all about organizing your assets in a way that maximizes efficiency and minimizes risk. Think of it as…

You are the foundation upon which your estate and family’s future are built. Ask yourself: what holds more value—your possessions or you? Consider this: which of these do you truly insure?  Remember, you are your most valuable asset. Protect yourself and the income that builds your legacy with the right insurance coverage.

Did you know that chocolate chip cookies were discovered by accident? That delightful mistake reminds us that while errors can sometimes lead to unexpectedly delicious outcomes, many mistakes—especially in our finances—can and should be avoided. We all make mistakes, but certain pitfalls occur more frequently among women when it comes to financial planning. It’s important to note that these challenges aren’t universal; not every woman faces them, and not every man avoids them. However, factors such as different income patterns, career breaks, longer life expectancy, and a natural tendency to be more risk-averse all play a role in shaping financial…

Last week, I had a deep and enlightening conversation with a client who was genuinely concerned about the future of his business. Our discussion centered around two crucial, yet often overlooked topics: exit planning and succession strategy. I’m sharing these insights—not as a sales pitch, but to validate the importance of preparing for the future and to offer some educational thoughts that might help other business owners navigate these challenges. The Startup Phase: Building with the Future in Mind When you launch a business, the focus is understandably on cash flow, loans, and day-to-day survival. But here’s a thought to…