NEWLY MARRIED COUPLE - Curriculum (8 hours)

The various roads to financial freedom & how to decide which one to drive on

  • A detailed dive into the different asset classes available to Indian investors: Stocks, Bonds, Real Estate, Gold, Mutual Funds, REITs, etc.

  • Risk-return characteristics and suitability of these asset classes for investors of different ages, employment situations, income levels, and net worth

  • The utility of these asset classes in an investor’s portfolio with regard to investment time horizon

  • Effectively diversifying your wealth, both within and across these asset classes

Playing the offense - Growing your wealth

  • Financial moves that both of you should make at a young age to secure your future selves

  • Maxing out the benefits of retirement accounts & why it is important to start early

  • Financial moves to make to secure your child’s future

If either or both of you are self employed professionals or business owners, this section can be modified to better reflect how to approach one’s personal finances when the stability of a recurring paycheck gets replaced by the instability and volatility of entrepreneurial life

What gets tracked gets better - Monitoring your financial life

  • What works for you two - keeping it joint or keeping it separate? The benefits and drawbacks to either strategy

  • Financial milestones to reach before you think of major life moves - taking on a mortgage, having children, etc.

Playing the defense - Ringfencing your wealth

  • How to secure your child’s future if one or both of you were to die - wills, trusts, and financial guardianship

Firefighting - Responding to a financial crisis

  • Involving each other while taking tough financial decisions, and how to avoid marital conflict over money matters

The practical basics of investing

  • Setting up your financial infrastructure - how many bank accounts do you need? How do you open a demat account? How do you select the right broker for your investments?