My passion is

Simplifying

Finance

for every Indian.

Hi

I am Utkarsh! I am a Money Mentor, Educator, and Financial Risk Manager dedicated to empowering individuals to take charge of their financial lives.

I hope you discover valuable insights on the site to make informed financial decisions that will benefit you in the long term. I believe that by simplifying and applying practical approaches to our financial lives, we can be our own money managers.

Don’t forget to join ‘Arth Community’, an initiative simplifying the financial world for you with straightforward and practical advice. Feel free to connect with me if you have any questions.

It’s time to make your money work for you.

Is your money working hard for you?

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About Niiv

Niiv started as a simple idea, but one question transformed it into a mission:

"Why don't you teach us more often?"

As a for-purpose education initiative founded in 2020, Niiv empowers individuals, organizations, and communities by providing accessible education in personal finance, communication, and other 21st Century Skills.

With our offline and online courses, we’ve already empowered over 10,000 individuals to take control of their finances and improve their life skills.

Explore Niiv for simplified and impactful courses to help you live better.

Discover.

moneyedwithutkarsh

Simply calculate your after-tax income and divide

Simply calculate your after-tax income and divide it into the three categories above.

Then, track your spending for a month to see how you're actually allocating your money. If you find yourself overspending in one category, see if you can cut back in another.

The 50/25/25 rule is a great starting point, but you can adjust it to fit your unique financial situation.

For example, if you have a lot of debt, you may want to allocate more of your income to debt repayment. Or, if you're saving for a down payment on a house, you may want to put more money into savings.

No matter how you choose to allocate your money, the important thing is to have a plan and stick to it. The 50/25/25 rule can help you do just that.

budget
personal finance
money management
savings
debt repayment
financial goals
50/25/25 rule
needs
wants
expenses

#budgeting
#personalfinance
#moneymanagement
#savings
#financialgoals
#needs
#wants
#expenses
#financetips

How to choose the investment that beats inflation?

How to choose the investment that beats inflation?

Swipe through the carousel to know whether your investment is actually able to beat inflation and pay you some returns or is it befooling you🤔💭

Was this helpful?
Let us know in the comments below 👇

#investmentadvice #investment #Inflation #returns #explore #money #financialeducator

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Here's the ultimate secret to becoming a millionai

Here's the ultimate secret to becoming a millionaire

Swipe through the carousel to unveil it.
And, believe me, this is really gonna help

So are you going to follow these?
Let us know in the comments below 👇

#millionaire #mindset #secret #personalfinance #richmindset #explore

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If you are thinking of starting your own business,

If you are thinking of starting your own business, or you are already on your entrepreneurial journey, you need to swipe left and read these 5 lessons that I learned the hard way.

These are not the typical tips and tricks that you can find online, but the real truths that I wish someone had told me before I embarked on this adventure.

These lessons will help you avoid some of the common pitfalls, mistakes, and frustrations that many entrepreneurs face.

These lessons will also inspire you to take action, solve problems, and enjoy the process.

Trust me, you don’t want to miss this. Tag a friend who needs this wisdom.

#lessonslearnt #2024goals #businesslessons #lessons #financialeducator
#explore

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Do you wish to get rich overnight? Then, this post

Do you wish to get rich overnight? Then, this post is for you

Swipe through the carousel to dive into the insights

Have any questions?
Drop them in the comments below 👇

#rich #moneytips #money #dreams #solution #financialeducator #explore

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Seriously, investing mindlessly is NOT going to yi

Seriously, investing mindlessly is NOT going to yield you returns

You need to assess these 5 things before investing in a company

Business Basics and Products -
Understand what the company does, product portfolio, pricing,
future potential, advantage over the competition.

Growth potential and Customer base-
Sector growth, customer retention rate, customer growth, feedback.

Financials -
Balance sheet, Income statement, Return on capital.

Management -
Quality, motivation, stability, operating style.

Stock history -
Growth since IPO, dividend, last 5 years performance.

*Not an exhaustive list

Was this helpful? Follow @moneyedwithutkarsh
for more

#investmentadvice #stockmaket #investmentstrategy #returns #explore

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How to earn more with SIPs? Here's a proven strat

How to earn more with SIPs?

Here's a proven strategy that will help you realise the power of SIPs in building wealth

Swipe through the carousel so that you can avoid those mistakes which most investors make.

Do you want more tips on SIP investments?
Let us know in the comments below 👇

Don't forget to Follow us for more

#sip #investmentadvice #howto #earnmore #explore #financialadvisor #proven

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Hey women, here's the proof 🧾 Are you underest

Hey women, here's the proof 🧾

Are you underestimating your powers as an investor?

Fidelity Investments conducted a study that analyzed more than 50 lakh portfolios and concluded that ‘Women’s portfolios outperform men by 0.4% yearly.’

This demonstrates that women are great investors, and if they take action, it can work out quite well for them.

Don’t let anyone tell you that you can’t invest like a pro!

Watch it to know it all ✨

Also, drop your opinion in the comments below 👇
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Who am I?

Hi, I am Utkarsh Kumar, your Money Mentor

- Engineer turned educator
- GARP Certified Financial Risk Manager (FRM)
- Certified Retirement Financial Advisor
- Ex-societe Generale
- Trained 5000+ people on their journey to financial literacy

How to connect with me for training and consultation?

Website: www.utkarshkumar.com
E-mail: hi@utkarshkumar.com
LinkedIn: https://www.linkedin.com/in/kumarutkarsh

Should you have any queries, connect over DM.
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#finance #financialadvisor
#investment #womenvsmen
#womenpower #goodinvestor #fidelityinvestment #research
#mythsvsfacts #bustingmyths #certified #saveit #explore

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Read.

Blogs

Oversaving is almost as bad as overspending. Here’s why!

The advice of increasing your savings for a better financial future is universal. Here’s when it can backfire!

May 1, 2023 No Comments

Blogs

Tips for effective money communication with your child

Help your child develop healthy money habits that will benefit them for life by incorporating simple ideas and rules into your conversations.

March 24, 2023 No Comments

Blogs

Uncovering Your Money Personality: Key Traits and Pitfalls to Watch Out For

Discover and realize the attitudes, beliefs, and behaviors that impact your finances

March 13, 2023 No Comments

Experienced Financial Risk Manager with a decade of expertise in financial analysis.

Finance Trainer for 10,000+ Learners

Assisted 200+ individuals, HNIs and corporates

Certified Financial Risk Manager

Making your money work for you

See what I can do for you

10+ years of experience as a Money Mentor, Finance Educator

Investment in Learning = Investment in Future