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Author Archives: Pankaj Mathpal

About Pankaj Mathpal

Pankaj Mathpal, Founder and Managing Director, Optima Money Managers Pvt. Ltd. has over 22 years of work experience in Marketing, Financial Planning & Education. Read More…

Five mistakes that jeopardizes financial freedom

Five mistakes that jeopardizes financial freedom

It is not the income that brings financial freedom but it is the balance between income and expenses which help you attain it. Managing money is an art and science. People work hard to fulfil their aspirations but few mistakes may jeopardize all their efforts. Despite of having adequate income people find it difficult saving […]

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How your behavior influences investment decisions

How your behavior influences investment decisions

Behavioural finance identifies and explains biases that detract from our ability to make rational financial decisions. Understanding of these human biases can help a financial advisor to better understand a client’s choice, and is an important step toward developing financial strategy that meets clients’ investment objective. Behavioural biases can be placed into two broad categories: […]

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How to pay your Self Assessment Tax

How to pay your Self Assessment Tax

If you changed your job in the previous year and the tax has been calculated and deducted by your second employer without considering the income from your previous employer, or you have earned income from other sources like saving bank interest exceeding Rs. 10000, interest on fixed deposit, capital gain etc.  then you may have […]

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Now is the time to start planning for new financial year

Now is the time to start planning for new financial year

We have entered in the new financial year and most of the salaried individuals would be waiting fortheir appraisal letters. Along with increment in your salary in the new financial year, your expanses like child’s education fees and house rent might increase as well. Those who are salaried employees will be asked to submit investment […]

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Act Before Financial Year Ends

Act Before Financial Year Ends

Financial year starts from 1st April and ends on 31st March. We have to pay tax on the total income earned during the year from various sources. 31st March is a very important date for every tax payer. An act of negligence may result in payment of interest and penalty in future. Financial year 2014-2015 […]

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