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<p style="display:none">Having worked for over 2 decades when I look back there are a few things I would tell my younger self especially on the personal finance side.</p>

<h2 style="font-size:21px">Start with The Fundamentals</h2>

<p dir="ltr">Having worked for over 2 decades when I look back there are a few things I would tell my younger self especially on the personal finance side.</p>

Retirement is often seen as the second innings of life. That is the time when you enjoy the luxury of time, while you do not have any official meetings to attend or timelines to meet. While it may be an extended vacation, you may be in for many surprises, if you have not planned for it. Retirement planning must be done prudently and systematically so that you don't have any financial constraints while planning to fulfil your pending dreams and aspirations after retirement.

<p dir="ltr"><span id="docs-internal-guid-024521db-7fff-10d2-2602-3633743eea88">The AMFI (Association of Mutual Funds in India) data reveals that around 20% of the overall equity investor folios as on 30th November 2019 are invested in ELSS. This may reflect the emerging preference of&nbsp;</span>Equity Linked Savings Scheme&nbsp;for tax saving purposes. However, instead of following the herd, you should make an informed decision about investing in&nbsp;ELSS of mutual funds.&nbsp;</p>

<p dir="ltr"><span id="docs-internal-guid-5a485021-7fff-0fef-330d-78791e9be790">While we talk of&nbsp;</span>financial planning for working women, there are some inherent trends seen in the way women handle their finances.&nbsp;</p>

We are already in the last quarter of the financial year, and most of the employers will be pushing for the proofs of your tax-saving investments. With the increasing awareness of mutual funds as an investment option, Equity Linked Savings Scheme (ELSS) funds are also emerging as the preferred option for tax savings.

A wise man once said, “the best time to plant a tree was 20 years ago; the second-best time is Now.” This quote not only gains its relevance in the World which is getting warmer every year but is equally relevant in the financial world. 

<p style="text-align:center"><img alt="" src="https://docs.utimf.com/v1/AUTH_5b9dd00b-8132-4a21-a800-711111810cee/UTI…; style="width:100%;" /></p>

<p style="display:none">Having secured the fundamentals it is time to ensure that the hard work you put in to earn your money does not go wasted and you make your money work as hard as well.</p>

<h2 style="font-size:21px"><span>Building a Bio rhythm - Good habits to last a life time&nbsp;&nbsp;</span></h2>

<p dir="ltr"><span id="docs-internal-guid-e34bd30b-7fff-3808-6eab-4b6edc433d21">While we know India as a nation of the savers, millennials today tend to prefer to live in the present and enjoy the time. Be it buying the latest gadgets, or planning an exotic vacation, the youth of today may not shy away from taking debt to fulfil such aspirations. With the loans to service over the future, it always seems a convenient proposition.