Hi, I'm Sahil Bhadviya, a SEBI Registered Research Analyst [INH000018391]. I left my well-paid job of Data Analytics Consultant in London with a vision to educate millions of people about money management and help them achieve their financial goals by avoiding all mistakes which destroy the financial life of Indians. This channel is my initiative to spread financial knowledge and ensure that every person makes an informed decision regarding the investment.
To learn everything more about money management including stock market, mutual funds, insurance, tax planning, etc. in a structured way, or if you do not get enough time for research, I also have an exclusive weekly series where I share my own investment strategies. You can explore my website: www.sahilbhadviya.in
For any business enquiry, you can email me on hello@sahilbhadviya.in.
Sahil Bhadviya
The safest place to keep your family's financial protection? Definitely not your employer's HR policy đź“‘.
Here's the catch - that cover isn't really yours. It belongs to your job. Your employer already gives you Term Insurance. So why does your financial advisor keep telling you to buy a separate term plan?
The day you switch companies, take a career break, go independent, or your employer tweaks their benefits policy - that cover can vanish overnight. And here's the uncomfortable math: even if your company offers â‚ą1 crore of life cover, is that enough? If you've got a home loan, young kids, and a family relying on your salary, â‚ą1 crore might barely dent what your family would actually need over the next 15-20 years.
Your income risk doesn't disappear just because you're employed today. And your family's dependence on that income doesn't pause when you're between jobs either.
Think of your employer's cover as a bonus - not your safety net. A personal term plan is the one that stays with you no matter where you work, what you do next, or how your company's policies change.
And when deciding the cover, don't just look at what your company currently provides. Think about your family's future financial needs like outstanding loans, children's education, regular household expenses and the income your family would need if you were no longer around.
If you're evaluating term plans and want help comparing the fine print, Ditto can walk you through it. You can book a free consultation with their team here:
ditto.sh/x4jt7m
Because at the end of the day - your job can change. Your employer's policy can change. But your family's financial protection shouldn't be riding on either one.
6 days ago | [YT] | 72
View 1 reply
Sahil Bhadviya
One of the most common behavioral mistake retail investors make - When the stock makes new high - “Itna badh gaya h, aur kitna badhega. Rehne deta hu”. When the stock makes a new low - “Itna gir gaya h, aur kitna girega. Le leta hu.”
6 days ago | [YT] | 199
View 28 replies
Load more