EMPOWERING YOUR DAUGHTER WITH SUKANYA SAMRIDDHI YOJANA

The Comprehensive Guide to Sukanya Samriddhi Yojana

 

Enabling our daughters to pursue their aspirations independently is a shared aspiration for all parents worldwide. Thankfully, the government has offered support through the Sukanya Samriddhi Yojana (SSY), a powerful instrument for safeguarding our daughters' financial futures. In this detailed guide, we explore the various aspects of SSY, uncovering its characteristics, advantages, and factors to consider, aiding you in making well-informed choices for your daughter's future.

 

Investing for Her Tomorrow, today:

Introduced in 2015, SSY serves as a cornerstone of the "Beti Bachao, Beti Padhao" initiative, aimed at nurturing financial security for girls aged 0-10. Each guardian can establish one account per girl child (up to two accounts for two different girls) at post offices or specified banks. Deposits are allowed for 14 years, and the account continues to accrue interest, thereafter, reaching maturity 21 years from the date of opening.

 

KEY FEATURES:

🔹 Singular Account: Open one account per girl child, with a maximum of two accounts for two different girls.

🔹 Age Limit: Initiate accounts until the girl reaches 10 years of age.

🔹 Accessibility: Available at post offices and designated public banks.

🔹 Investment Tenure: Deposit for up to 14 years.

🔹 Continued Interest: The account continues to earn interest after the deposit period.

🔹 Flexible Closure: Close the account after 21 years, aligning with long-term financial goals.

🔹 Tax Benefits: Enjoy tax-free deposits, interest, and maturity amounts under Section 80C.

🔹 Minimal Initial Deposit: Start with a nominal yearly deposit of ₹250.

🔹 Generous Investment Ceiling: Contribute up to ₹1.50 lakh annually.

🔹 Partial Withdrawals: Withdra

w up to 50% after the account holder turns 18.

 

 

POSITIVES:

 

🔹 Accessibility: Start with just ₹250 initial deposit and enjoy tax-free returns, making SSY accessible to families across all income levels.

🔹 Government Guarantee: Rest assured with a 100% guarantee on both capital and returns, providing peace of mind to investors.

🔹 Tax Advantages: Enjoy tax deductions under Section 80C and exemption on interest and maturity amounts, maximizing your savings potential.

🔹 Education-centric Planning: With a 21-year tenure, SSY is perfectly aligned with the timeline for higher education expenses, enabling strategic financial planning.

 

 

NEGATIVES:

 

While Sukanya Samriddhi Yojana (SSY) presents numerous advantages, it's crucial to acknowledge potential challenges:

1.       Interest Rate Fluctuations: The scheme's interest rate, presently at 8.2%, is subject to quarterly fluctuations. Vigilant monitoring is necessary to stay updated on any changes.

2.       Long Tenure: With a lock-in period of 21 years, SSY may pose challenges for investors requiring more immediate liquidity. It's essential to consider long-term financial goals before committing to the scheme.

3.       Limited Accessibility: SSY's strict guidelines on fund usage may limit flexibility. Funds are primarily earmarked for education and marriage expenses, restricting other potential uses.

 

 

Creating a ₹80 Lakh Fund for Your Daughter:

With disciplined savings and strategic planning, you can actualize your daughter's dreams through SSY:

1.     Invest ₹1.5 lakh annually for 15 years, totalling an investment of ₹22,50,000.

2.     At the prevailing interest rate of 8.2%, your investment would yield approximately ₹43,18,303 at maturity (your investment stops here).

3.     However, since the investment continues till your dear daughter is 21, she would receive a total of ₹81,12,061, surpassing ₹80 lakh by age 21. This provides a robust financial foundation for her future endeavours.

 

 

Sukanya Samriddhi Yojana (SSY) serves as a beacon of hope for parents striving to secure their daughters' financial futures. With its diverse features, tax advantages, and long-term investment horizon, SSY underscores the government's dedication to empowering girl children nationwide. By harnessing SSY's potential, parents can embark on a journey of financial empowerment, paving the way for their daughters to pursue their aspirations with confidence and resilience.

 

CONCLUSION:

While Sukanya Samriddhi Yojana (SSY) offers attractive benefits, stability, and security, it's important to remember that it's just one piece of your financial planning puzzle. Exploring other avenues like equity investments for long-term wealth creation can further enhance your financial portfolio.

Our experience and data show that equities tend to provide higher returns over a time horizon of 10 years or more. Therefore, considering a combination of SSY and equity mutual funds could offer an ideal approach to diversify your investments and maximize returns.

Wishing you all the success and fulfilment as you embark on the journey of securing a brilliant future for your daughter.

Note: This article is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

 

 

Regards

Srikanth Matrubai

Author: Don’t Retire Rich

 

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

UNWRAPPED : SANTA'S SECRET CODE TO WEALTH

UNWRAPPING FINANCIAL WISDOM FROM SANTA CLAUS!!

 

Ho Ho Ho… It's that festive time of the year, a season of celebration and joy. Amidst the merriment, let's take a moment to reflect on the unexpected financial lessons we can learn from the jolly old man himself – Santa Claus.

 

MANAGING LIMITED RESOURCES:

Santa has limited milk, and limited cookies yet he delivers joy on time, every time without breaking the bank or the North Pole budget!

He also meticulously arranges his route and utilizes his resources in order to give presents as effectively as possible. Santa's financial abilities may teach us a lot, especially around the holidays, when we tend to overspend.

Set a budget, embrace homemade gifts, and prioritize shared activities. Remember, true holiday magic lies in the joy of giving, not the price tag.

We can share joy without breaking the bank if we follow Santa's lead. This holiday season (and of course, EVERY Holiday Season), follow Santa's lead: make a list, check it twice, and stick to it!

Remember, Santa's magic isn't in endless resources, but in his resourcefulness, planning, and the spirit of giving.

  

PLAN AHEAD:

Santa may be jolly old man but he’s indeed a wizard at planning ahead. While he's busy crafting wish-list wonders all year, he's also a master planner, juggling budgets, elves, and reindeer like a pro. Here's the magic trick: Santa knows the power of BEING PREPARED!

While we rush around last-minute for presents and decorations, Santa has a year-round strategy. He diligently creates and double-checks lists,  for budgets and wish lists. He precisely organizes his elf staff, ensuring that toys are produced efficiently and without overtime pay. And, of course, he keeps his sleigh in good working order to avoid costly failures on Christmas Eve. Naturally, he maintains his sleigh in excellent shape, avoiding costly malfunctions on the important Christmas Eve. Unlike our last-minute attempts, Santa's systematic, proactive approach teaches vital financial lessons, emphasizing the need of long-term preparation and flawless execution.

Embrace financial planning, team up with smart resources, and weather any financial blizzard with a smile. Remember, preparation isn't just for Christmas, it's for lifelong financial goals too.

 

BEING ADAPTABLE (ASSET ALLOCATION)

Santa's journey is more than just cookies and carols. Blizzards block paths, chimneys test agility, and reindeer can be, well, reindeer. Yet, he delivers every time. Why? Because he adapts to overcome whatever the globe throws his way. We investors face a similar landscape – financial blizzards of volatility and unpredictable twists.

 A prudent asset allocation strategy is the best approach to address these difficulties.

Investors must be adaptable and adjust their investments to meet their objectives and risk tolerance. Santa thrives because he is adaptive, and we investors can do the same by remaining open to change and maintaining a well-balanced portfolio.

Build a flexible asset allocation strategy that fits your goals and risk tolerance.

Remember that there is no such thing as a one-size-fits-all asset allocation plan. It's a fluid process, like Santa's route on Christmas Eve. Just like Santa adjusts his route for weather and reindeer whims, keep your investments nimble. Tweak them to fit your evolving goals and risk tolerance. Handle the financial world with flexibility, variety, and a keen sense of emerging trends.

 

Bonus Tip: Seek professional guidance from financial advisors, just like Santa relies on his elf experts. They can help you build a sleigh tailored to your unique financial journey.

LIVING WITHIN MEANS

 

The secret to Santa's genuine wealth is a very simple principle: live within your means.   Let us unwrap Santa's money advice and let's see how we may use it for ourselves.

Santa doesn't chase after the newest technology or high-end clothing. He puts his heart and soul into his toys, taking satisfaction in the creative process and the smiles it generates. This serves as a reminder to emphasize experiences, relationships and personal development ahead of material possessions.

Because he lives in a remote place, he makes his own gifts and doesn't have to worry about groceries or other expenditures.

 

Santa's self-sufficiency frees him from debt and the stress of living paycheck to paycheck. demonstrates the effectiveness of thoughtful budgeting and prudent spending. Living within your means allows you to reach your financial objectives, whether they are to save for retirement, travel the globe, or support a cause that is important to you.

Santa's message is one of responsible, mindful living rather than deprivation. It's about prioritizing experiences over luxury, finding joy in the smallest details, and valuing values above transient fads.

 

 

 

 

DELAYED GRATIFICATION:

Santa Claus stands tall as a primary icon for delayed gratification. To produce and give gifts to children on Christmas Eve, he puts in a lot of effort throughout the year. He doesn't utilize the presents for his personal enjoyment or open them himself. He bides his time and takes pleasure in the fulfilment that comes from seeing others happy.

Furthermore, Santa adeptly makes advance preparations and judiciously utilizes his resources, encompassing his sleigh, reindeer, and elves. Through his actions, Santa illustrates how the delay in gratification can enhance the fulfilment and significance of an experience.

It is easy to apply this idea of delayed gratification to financial planning. We should take a Santa-like strategy by setting objectives such as owning an house, education funding, and saving enough for a comfortable retirement We can replicate the happiness that comes from patiently waiting for the proper opportunity to accomplish our financial objectives through disciplined saving and intelligent investing.

 

We will be able to build a more promising financial future and have a more satisfying Christmas season by adopting these wealth lessons from Santa Claus into our lives. So, let us all take a page from Santa's book and spread some happiness, contribute generously, and cheerfully strive toward our financial objectives!

 

Additional Tips

•         In addition to the lessons above, here are a few other tips for improving your financial health:

•         Educate yourself extensively about personal finance. Numerous resources (including this blog) are accessible to help you gain knowledge on investing, budgeting, and various financial aspects...

•         Get professional help if you need it. A financial advisor can help you create a personalized financial plan and make sure you are on track to reach your goals on time.

 

Incorporate financial planning as a consistent habit in your life. Extend your focus beyond the holiday season, routinely assess your budget, revisit financial objectives, and adjust as needed.

 

Wishing you a Great Financial Future
Srikanth Matrubai

Author – Don’t Retire Rich

QPFP (Qualified Personal Finance Professional)

RVCC (Rebalance Volatility Certified Coach)

 

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

A Comprehensive Guide to Securing Your Children's College Future

Congratulations on the birth of your angel-like child! It is natural to start dreaming about their future, and you, like all parents dream of your child becoming a doctor, CA, scientist, or engineer.

I often meet with parents who are worried about the cost of college. Yes, it’s a hard-hitting reality that college fees are rising every year, and student loans can have a lasting impact on your children’s financial well-being. That’s why it’s important to plan and save early for their education.

The good news is that there are several ways to save for college, and even small amounts of money can add up over time.

Saving early is critical for your children’s education. By starting to save right after your child is born, you can have enough time to build a substantial fund for their graduation and higher studies. You can also benefit from the power of compounding, which means your money grows faster over time as it earns interest on interest.

Here are simple steps to have a stress-free LOAN LESS Education for your beloved child.

 

ESTIMATE THE FUTURE COST OF COLLEGE EDUCATION COST:

The first step in planning for your children’s college education is to find out how much it will cost in the future and actually the trickiest part.
Make use of the innumerable online resources like College Fees Calculator and do not forget to consider the effect of inflation on the fees. To be even more specific, add the Boarding fees, travel expenses, and tuition fees without fail.

 

DEVELOP AN EFFECTIVE SAVINGS PLAN:

Now that you know HOW MUCH you need, start a savings and Investment Plan to achieve the Education Expenses Goal. Saving a little bit every month can make a big difference in the long run. The earlier you start saving, the more time you must benefit from the power of compounding. Compounding is when your money earns interest, and then your interest earns interest, and so on. This way, your money grows faster and faster over time.

For example,
if you save ₹1,000 per month at a 12% annual interest rate, you will have ₹15.6 lakh in 10 years,
₹67.3 lahks in 20 years, and
₹2.9 crore in 30 years.

But if you start saving 10 years later,
you will only have ₹57.3 lakh in 20 years, and
₹1.4 crore in 30 years.
That’s a huge difference and underscores the huge impact of starting early.

 

 

INVEST IN THE RIGHT ASSET CLASS:
Navigate the array of savings options tailored to the Indian context, including options like the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Equity-Linked Savings Scheme (ELSS) & ULIPs.
Striking a good balance between capital safety and returns is an important consideration for any investor.
It is important to note that every savings option has its own pros and cons. It is important to carefully consider your individual needs and financial goals before choosing a savings option. It is also a good idea to consult with a financial advisor to get personalized advice.

 

Rebalancing your portfolio

Over time, the performance of different asset classes can vary. This can cause your portfolio to become unbalanced, meaning that it no longer reflects your desired risk tolerance and investment goals. Rebalancing your portfolio involves selling some of your winners and buying more of your losers to bring your portfolio back into line with your desired asset allocation.

Increasing or decreasing your investments

As your financial situation changes and your goals evolve, you may need to increase or decrease your investments. For example, if you get a raise at work, you may decide to increase your contributions to your retirement account. Or, if you are approaching your child's college tuition deadline, you may decide to start decreasing your investments in stocks and moving more of your money into debt funds.

Moving to debt funds as you approach your investment goal.

As you get closer to the year when you need your investment, it is important to start moving your money into debt funds. Debt funds are less volatile than stock funds, so they can help to protect your capital.

 

MAXIMISE TAX BENEFITS:
Numerous Savings & investment plans offer tax advantages. Explore options like the Equity-Linked Savings Scheme (ELSS), Public Provident Fund (PPF), ULIPs and National Pension System (NPS) to qualify for tax deductions. Use these to maximum effect and leverage your savings.
These tax benefits help you reduce your outgo towards taxes and increase your savings.

 

DON’T FORGET ABOUT SCHOLARSHIPS & GRANTS:
. There are several scholarships and grants available to help students pay for college in India. Along with you, make sure your child joins you in searching for and researching various scholarships and grants that are available.. Many schemes like

National Talent Search Examination (NTSE)

Kishore Vaigyanik Protsahan Yojana (KVPY)

Dr. APJ Abdul Kalam Global Skills Scholarship

Start with your search early,
check with your school/college,
Talk to your teachers and education counselors.

IN CONCLUSION:

Children’s education is a non-negotiable goal.

Planning it earlier can give you more options and flexibility for your child’s education. You can choose the best college, course, and career for your child, without worrying about the financial burden. 
Saving for college can be a daunting task, but it is worth it in the long run. By starting early and following these tips, you can help your children pursue their college dreams without the stress of student loans.

 

So, my dear friends, fret not…  it's relatively easy if you follow the above tips and make sure you stick to them same.
All the very best,

Srikanth Matrubai

Author – Don’t Retire Rich

Qualified Personal Finance Professional

 

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

THE ULTIMATE WEALTH CREATION TIP

Greetings,

Let’s say that you are fasting just like that… you say “Not feeling like eating... I will not eat today” and there is no specific motive for avoiding food.

And wow… in front of you, your best friend opens his Lunch Box and there you see your favorite Pizza… 99 out of 100 times, you will lose your resolve, succumb to the tempting yummy Pizza and go ahead to munch on the cheesy delight breaking your fast!

 

 Do you know why this happened?

There was no clarity on the PURPOSE behind the fast and thus getting lured and swayed by the yummy food is natural.

But if you were fasting due to a religious belief…say Ekadashi, Dasara festival, or a Ramzan, you wouldn’t get tempted come whatsoever as there is a CAUSE behind your action.

The strength behind you maintaining your fast in this case remains resilient and you wouldn’t budge no matter how tempting the Panner Butter Masala may be as now you have a PURPOSE and a REASON behind the fasting.

Without a clear purpose behind your fast, you are more vulnerable to being influenced by enticing options that appear in front of you.
Likewise, having no specific financial goal for your savings can lead to reckless spending or diverging from your investment plan when attractive but unplanned expenditures arise.

=======================================

We keep meeting all varieties of Investors. Some are truly well-intentioned but still not able to create Wealth.

Let me give you an example.

Last week, I had a new investor through a reference. He said “Sir, me and my wife do save religiously. We save for months but suddenly something comes up and we end up using not only our savings but even our Credit Card. We assure you, Sir, we both are SAVERS and not at all spendthrifts”

They literally begged, “Please help us ACTUALLY SAVE”!!

 

This was not peculiar to me at all.

This happened to them as they did not have a FINANCIAL GOAL in Mind.

While every one of us is driven by Financial Aspirations and a promise of a better tomorrow, somehow the bag of money saved vanishes when an Amazon Prime Day Sale comes up or one of our cousins puts up a photo on Instagram enjoying a Scuba Diving in the Maldives and lo! We too must do the Scuba Diving or similar and end up spending ……totally unplanned!

The Key to Successful Saving (and investing) lies in linking these to Well-defined Goals.

You first need to understand “WHY YOU NEED MONEY”
Just saying “I need lots of money” is not enough.
Answer the WHY… Know the purpose and the reason for needing the money.

 

 

WHY DO WE NEED MONEY?

The need for money could be varied and needs to have a target. It could be anything like a wish fulfillment, making your life better, lifestyle expenses, or reducing loans! It could be anything.

To make it easier for you, I have listed some here.

To get rid of a Loan (Home loan, Education Loan, Personal Loan)

To start a new business, a new factory, a new branch

To travel, to explore new places.

To plan for kids’ future (education, wedding)

To plan for my own RETIREMENT!!

When you know why you need the money (purpose), you will be in a better position to make the BEST USE OF RESOURCES you have to achieve Financial Freedom

The goals can be anything. It could be your Annual Vacation, your new car, or your down payment for that dream home. Now that the goals are linked, you will find a purpose, motivation, discipline, and direction for your savings.
Visualizing you achieving your goal will keep you motivated enough and ensure you don’t redeem that FD / Mutual Fund which is growing quite well.

This linking of goals will also make you more motivated to find ways to increase your percentage of savings and maybe even your ways of increasing your income!

And once you achieve a Goal, it will give you that confidence that yes… you can do it. It will give you a sense of fulfillment and reaffirms your own ability to take control of your financial life.

 

THE MORE SPECIFIC YOU ARE, THE BETTER

In fact, having a SPECIFIC goal will help you not only visualize better but be motivated much more in saving and achieving that goal.

For example, I want to buy a car is a goal but “I want to buy a 6-seater Toyota SUV is very specific”.

This will give you an idea of “How much” is needed for that goal and “When” you can reach that goal.

Begin with Short Term Goals and then gradually go for Medium Term Goals and finally the big ones. And that’s your Long-Term Goals

Setting short-term goals is the perfect way to build confidence and establish a foundation for greater success.  Small wins lead to big accomplishments!

Now that we know the goal…it’s easy to PLAN.

Suppose you say I need Rs.2 lakhs for my Singapore Trip 2 years from now. Good. Now that we know you need Rs.2 lakhs and we have 2 years’ time.
It becomes now easy to calculate how much you should keep aside every month for that Singapore Trip and you can achieve the same.

 

FOR THE LONG TERM TOO:

This can and must be applied for the long term too.

Instead of saying “I want to retire rich”, you can have a specific number in mind and say, “I want to retire with Rs.5 crores of Net worth”.

Now that you know you need Rs.5 crores when you are 60 and suppose you are 35 now., you have a good 25 years to plan.

Let’s look at an example.

Suppose you start with zero (0) and start saving at age 35.

All you need is less than Rs.30,000 per month! And now you know that 30k is enough for your 5cr retirement target corpus, you can plan easily and direct savings to that goal.

Having a financial goal will help you stay focused and be disciplined with your money.

It gives you a reason to save, and invest rather than splurge on impulsive purchases.

With a goal in mind, you will also be able to track your progress and celebrate the reaching of goals.

 

DON’T SAVE… INVEST!!!

I have seen many who save religiously but do not invest wisely. Saving is only the 1^st step but the 2^nd and most crucial step is INVESTING.
  

Saving is like putting your money in a Piggy Bank. It will keep your money safe but will not grow due to the effects of inflation and taxes.

Investing is like planting a variety of seeds in a garden. The seeds may and will take time to grow into plants and then trees but the effort is worth it as you can reap the rewards regularly.

Investing is the right way to grow your wealth and reach all your financial goals on time.
Yes… Investing is a difficult process especially when it comes to not only identifying the right asset class but also the right instruments and the percentage of amount that needs to divide among these many varieties

That’s where the requirement of an Experience Investment Expert will come in handy. She will help you navigate the market fluctuations, maximise returns without compromising on risk by understanding your risk profile, asset allocation, and guide accordingly.

 

THE BIGGEST ADVANTAGE:
Once the Goal/Purpose/Target is identified, automatically the WANTS will get reduced and may even be eliminated as now the inner mindset will be focused on reaching the goals.

 

Making sure you INVEST the saved amount in Equities is what will ensure that you just DONT RETIRE RICH but retire WEALTHY!!

So don’t just save, invest. Saving is good, but investing is better.  Saving is necessary, but investing is smart.

Saving keeps you safe in a cage.

Investing will elevate your financial status and help you soar to new heights.

 

                                                                                Invest…don’t just save.

 

 

THE ULTIMATE WEALTH CREATION TIP IS

a.  HAVE A GOAL FOR YOUR SAVINGS

b.  DON’T SAVE BUT INVEST FOR THAT GOAL

All the very best to your Financial Freedom Journey

Srikanth Matrubai

Author — Don’t Retire Rich

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/