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First things first
November 2016
|Outlook Money
Amitesh Das’s immediate priority should be to lay down the basics that will help meet even the long term goals easily
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Amitesh Kumar Das (32) lives with his homemaker wife Tulika (28) and parents in Bengaluru and works for a private firm. At the outset it is clear that he is looking way too ahead. Agreed one should plan for events in life but planning is a step by step process and should focus on goals which are nearer.
He first needs to get his foundation right by paying off the personal loans, creating an emergency fund, and taking a life and health insurance.
Securing the cash flow
Amitesh is the only earning member and has three dependents. Therefore it is very important that he considers enhancing his life insurance cover from ₹3.5 lakh to ₹1.5 crore. The best and cheapest way would be to go for a term cover. In the same vein, Amitesh and his wife should buy a separate health cover for themselves even though they are covered by his employer and should include a maternity cover. Since his parents are not covered by his employer, he should consider a comprehensive health policy for them.
هذه القصة من طبعة November 2016 من Outlook Money.
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