Dilzer Consultants - Investments and Financial Planning

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Financial Literacy

Benefits of Financial Planning

Posted on: December 7th, 2016

Contents Benefits of Financial Planning. 1 Why should I avail Financial Planning services as against regular investment advice?. 2 Financial Planning process. 6 Benefits of Financial Planning services. 7 Why Choose a CFPCM: 8   Benefits of Financial Planning The term Financial Planning gained traction in the past few years and by now most, if not everyone, would be familiar with it. However, people still associate it only with investments and wealth management. For most of the people personal finance […]

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Financial Health Check with Personal Financial Ratios

Posted on: June 6th, 2016

While we continuously postpone the task of making investments or following financial discipline to another day, there are some simple tools in personal finance that can serve as benchmarks to help us gauge our financial situation. Just as we evaluate a company’s balance sheet with Financial Ratios, our Personal Finances also can be assessed with the help of a few simple ratios. The task, though, is much simpler compared to analyzing Balance sheet of a company. All it requires is […]

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What legal matters are to be considered before writing a Will?

Posted on: March 4th, 2016

According to the Indian Law, “Will is the legal declaration of a person’s intention which he wishes to be performed after his death and once the Will is made by the testator it can only be revoke during his lifetime.” A person cannot give his ancestors property in the form of a Will but he can make a Will only of his Self-Acquired property . A Will regulates the succession and provides for succession as declared by the testator. The statutory […]

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HAPPY CHILDREN’S DAY While we spread financial literacy to adults, we thought it apt to start at the roots- This is a presentation prepared for LKG and UKG school going children. It was very well taken and accepted by the kids!

Posted on: November 13th, 2015


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Financial Jargon Demystified

Posted on: November 9th, 2015

Financial Jargon Demystified

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Understanding Monetary Policy – By Dilshad Billimoria

Posted on: July 31st, 2015

July 2015 Monetary Policy Money is a unit of measure, a medium of exchange, and has value in exchange for goods and services traded. Monetary Policy Initially started under the Chairmanship of Sukhamoy Chakroborty to assess the functioning of the Indian Monetary System. Monetary Policy helps in stabilising the money supply in our economy, provides for price stability, helps in identifying the growth of real output, thus leading to enhanced economic growth in our country. Reserve Bank of India is […]

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Understanding the nuances of India’s Fiscal policy- By Dilshad Billimoria

Posted on: July 22nd, 2015

July 2015 What is Fiscal Policy Fiscal Policy of our Government simply means, maintaining income and expenditure of the country to meet the stated objectives of Infrastructure Development and Growth, Improved Capital formation and Improvement of economic activity in our country. The various heads of income received by the government comprise of Taxes(Direct and Indirect), Dividends, Interest Receipts, Disinvestment, spectrum sales. The various heads of expenditure which are further divided as planned and unplanned expenditure include subsidy, capital expenditure on […]

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Bullet Proof Your Health- COFP FP Pulse Article by Dilshad Billimoria

Posted on: June 20th, 2015

  http://cofpindia.org/fppulse/2015/06/19/need-for-health-cover/ Bullet proof your Health Someone once said, “Without health, life is not life, it is only a state of languor and suffering; an image of death”. I am about to share with you a live case study of a friend. I recently visited a friend’s mother, who had slipped into coma four years ago because of a brain stroke. The initial CT scan diagnosis revealed a Cerebro Vascular Accident – a condition of brain bleeding. The doctor announced […]

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Why HDFC stocks were a better investment than houses in last 8 years

Posted on: May 14th, 2015

While Indians have been pouring money into property stocks in a weak market, foreign institutional investors increased their ownership of HDFC to 79.65% as of 31 March. Photo: Pradeep Gaur/Mint If real estate was your investment idea between January 2007 and September 2014, there was a smarter investment option: buying shares of India’s largest housing finance company, Housing Development Finance Corp. (HDFC). Had you purchased a house, you would have had to choose your location well: 89 of the 195 […]

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When Behavioral Biases turn away from the simple truth; what do you think happens to financial decision making?

Posted on: March 3rd, 2015

Long-term financial planning is extremely important for lifetime financial security, but it is also exceptionally difficult for most investors. By improving decision making among clients, financial advisors can improve lifetime financial security. The average investor is less knowledgeable than professionals about the problem and has limited time and attention to devote to it. Understandably, investors may resort to rules-of-thumb, display biases, or behave “irrationally” in other ways. Not only does this make optimal long-term financial planning difficult for the average […]

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