{"id":10406,"date":"2016-12-13T11:00:46","date_gmt":"2016-12-13T05:30:46","guid":{"rendered":"https:\/\/blog.fundsindia.com\/blog\/?p=10406"},"modified":"2018-03-22T14:36:43","modified_gmt":"2018-03-22T09:06:43","slug":"the-three-step-guide-to-owning-designer-products","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/personal-finance\/the-three-step-guide-to-owning-designer-products\/10406","title":{"rendered":"The Three Step Guide to Owning Designer Products…"},"content":{"rendered":"

…With your fresher\u2019s salary<\/b><\/p>\n

<\/b>\u201cFashion is very important. It is life-enhancing and, like everything that gives pleasure, it is worth doing well.\u201d<\/p>\n

\u2014 Vivienne Westwood<\/i><\/p>\n

There\u2019s just something about fashion that lures the soul, isn\u2019t there? The caress of the soft fabric on our skin, the whiff of perfume carried on the breeze, the click-clack of a pair of heels or the seductive shade of red that\u2019d make even apples look dull \u2013 fashion never fails to tantalize us and all our senses.<\/p>\n

That desire to own everything beautiful, to fill our wardrobes with Gucci, Prada, Louis Vuitton and more, exists, and that aspiration to own these, not just to make a statement, but also to feel fulfilled, doesn\u2019t just go away.<\/p>\n

Imagine buying all that with a fresher\u2019s salary. Not such a rosy picture, is it?<\/p>\n

Open<\/span> a FREE Account Now! <\/span><\/a><\/div>\n

Of course there are credit cards, but there\u2019s the issue of paying the bank back at a high interest rates. Not something I fancy doing.<\/p>\n

Lucky for us, there are ways to make money work for us. We have our banks, mutual funds, fixed deposits and stocks. What\u2019s more, you earn interest on these! So here\u2019s my three step guide to own those designer products (or anything you want, really!)<\/p>\n

Step 1: Set a goal and give it direction<\/b><\/h4>\n

What do you want? How much does it cost? When do you want to buy it? All these are questions that need to be answered. Make sure you set a clear and tangible goal with a time frame you want to achieve it in.<\/p>\n\"bag-1853847_1920\"<\/a>\n

For example, I want to save Rs. 75,000 in two years for the Prada shoulder bag I saw at the store the other day. Just look at that beauty. One of the finest from Italy, the craftsmanship, precision and quality, I still remember how holding the bag felt. So, I\u2019ve got my goal \u2013 a specific amount I\u2019d like to have for the Prada bag and I know I intend to buy it in two years. What next?<\/p>\n

Step 2: Understand your current financial obligations and risk profile<\/b><\/h4>\n

It\u2019s important to know how much you actually have in hand, how much you need for your regular expenses, how much you\u2019ve already put away in the bank or need for insurance or getting debt free. A clear picture of all these will tell you how much you can put away for your goal.<\/p>\n

Your risk profile is important because there are three facets that need to be addressed here \u2013 how much risk you can afford to take or your risk capacity, how much risk is required to produce returns that could help you achieve your goal or risk requirement, and your ability to cope with market volatility or risk tolerance.<\/p>\n

If you aren\u2019t sure how to do this, talk to a financial advisor. Your advisor can help you assess your current financial obligations and risk profile in detail and give you solutions that are unique to your needs.<\/p>\n

Step 3: Choose how to make your money work smarter, and make it.<\/b><\/h4>\n

More often than not, the options you have in hand involve your bank, stocks, debt instruments and mutual funds.<\/a><\/p>\n

The solution here is to invest in products that deliver the best return. That depends on your goal, how many years you have to reach it, its priority, tax-efficiency, and how much risk you can take.<\/p>\n

Bank accounts<\/b> may be the safest place to put your money, but with an interest rate of just 4-6% it won\u2019t help your money grow enough to meet that need on time. To earn Rs. 75,000 for the bag in 24 months, you\u2019d have to save Rs.3,000 every month.<\/p>\n

Open<\/span> a FREE Account Now! <\/span><\/a><\/div>\n

Equities<\/b> are good for the long term while debt<\/b> is good for the short term. The best option to invest in both equities and debt are mutual funds. <\/b>They are managed by professionals, offer diversification, are tax efficient, beat inflation and have low costs.<\/p>\n

Debt mutual funds,<\/b> ideal for the short term, can give you returns between 7-9%, much more than your bank. So at 7%, all you need to invest every month for 2 years would be Rs. 2,910. If your fund performs better than 7%, you\u2019re so much closer to your goal faster. Also, if you put the same Rs. 3,000 in a debt fund at 7%, you\u2019d have Rs.77,493 at the end of 2 years.<\/p>\n

If you\u2019ve got something more expensive in mind, and a longer time frame, consider equity mutual funds.<\/b><\/p>\n

Equity mutual funds <\/b>are a good option for medium or long term investments, for three or more years. If you\u2019ve got other long goals in mind, these are a good option to consider. For example, if you invest Rs. 5,000 every month for 3 years and your fund gives you a return of 12%, your investment of Rs. 1,80,000 will become Rs. 2,17,538. That\u2019s a whooping Rs. 37,538 more! In your bank, that money would become Rs. 1,91,544 at 4%, a gain of just Rs. 11,544.<\/p>\n

Fun fact <\/b>– Rs. 5,000 invested at 12% every month for 5 years, a total of Rs. 3,00,000, would grow to Rs. 4,12,432.\u00a0 Rs.5,000 invested at 12% every month for 10 years, a total of Rs. 6,00,000, would grow to Rs. 11,61,695, a gain of over Rs. 5,00,000. That\u2019s what compounding does to your investment over time.<\/p>\n

If you need to calculate how much you need, use a\u00a0SIP investment calculator<\/a>. For my goal of buying that Prada shoulder bag, I\u2019m investing in a debt fund because that\u2019s ideal for the short term. But I dream of travelling too, and to make that a reality, I\u2019m investing in equity mutual funds.<\/p>\n

You\u2019ve probably got your heart set on something now, but even if you don\u2019t, it\u2019s a good call to start investing right away. The compound interest you earn over time will be instrumental in getting to your future goals.<\/p>\n

Then splurge to your heart\u2019s content without raking up any debt.<\/p>\n","protected":false},"excerpt":{"rendered":"

…With your fresher\u2019s salary \u201cFashion is very important. It is life-enhancing and, like everything that gives pleasure, it is worth doing well.\u201d \u2014 Vivienne Westwood There\u2019s just something about fashion that lures the soul, isn\u2019t there? The caress of the soft fabric on our skin, the whiff of perfume carried on the breeze, the click-clack […]<\/p>\n","protected":false},"author":23,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[66],"tags":[516,518,49,263],"yoast_head":"\nThe Three Step Guide to Owning Designer Products<\/title>\n<meta name=\"description\" content=\"Own anything you desire, Gucci, Prada, Louis Vuitton or more. Make any dream come true, by making money work smarter. 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