With one goal in mind - Your financial well-being
Discover a comprehensive solution for your financial journey, covering personalized goal setting, risk management, and strategic investments.
We Understand Your Dreams - We Care!
We Understand Your
Dreams - We Care!
At JRG Financials, we are passionate about your financial well-being. Our mission is to empower you with the knowledge and tools to take control of your finances. Our comprehensive approach includes
Discover the three Pillars and unlock your way into a
Happy Financial life!
Discover The - JRG's Life Navigator Suite
From education to retirement, JRG's Life Navigator Suite has the calculators you need to plan your financial journey and achieve your goals.
Future Scholar Calculator
for Child Education
Wedding Bliss Calculator
For Child Marriage
Golden Years Calculator
for Retirement
Wealth Wizard Calculator
for Wealth Creation
Big Win Calculator
for Buying an Asset
Vacation Vision Calculator
for Vacation Mode
Simplifying Your - Financial Outlook
From counselling to investment, explore the stages of your financial journey.
1. We Listen !
Share Your Financial Challenges
Our team of experts will take the time to listen, understand, and work with you to find solutions for your unique needs.
2. We Assess !
Get Your Finances Profiled
Through detailed and easy-to-take assessments, we analyse your financial condition before we give you a comprehensive plan.
3. We Map !
Charting your Unique Plan of Action
Once we understand the intricacies of your financial situation, we'll connect the dots between your investments and aspirations and map your plan of action.
4. We Cover!
All your troubles are Covered!
We're committed to supporting you as you implement your financial plan, and we'll regularly review it to ensure you're on track to achieve your goals.
Real Stories, Real People - Our Clients Speak for us!
Discover how our services have impacted the lives of people just like you.
I found the team at JRG, very professional and analytical. They understand all the products well and recommend the product to meet customer requirement and goals. They explain in details the pros and cons of the product. They are ethical and believe in educating the features of the product rather pushing any product. I would be happy to recommend them to anyone.
Assistant Manager (Marketing) - Shopclues
As someone who has always been intimidated by the world of finances and planning for the future, I was in search of a trustworthy partner to guide me through the process. From the moment I engaged with their services, I was met with professionalism, expertise, and a genuine dedication to helping me secure my financial future.
At JRG Financial, I felt like I was more than just a client; I was a valued individual whose financial well-being truly mattered to them. Their clear and transparent communication style gave me peace of mind, as I always knew where I stood and what steps were being taken to achieve my financial aspirations.
Managing Trustee - SDMC Trust & Livpure Foundation
Being a business leader having P&L responsibility, I always thought I was good at personal financial planning till I met Mr. Rajiv Nayar. With his in depth financial knowledge and capability he helped me realize my personal financial planning is not good enough to fulfill my life dreams. From that point he and his team are not only helping me in advising but also taking complete responsibility of my personal financial goals. Since my retirement in 2020, I could have enough corpus so that I can take care of not only my monthly expenses but also major expenses like my Chidren’s higher education, my annual vacations etc.
His vision to help people realize their dreams through financial planning and investments touched me so much that, I volunteered to be in the advisory board of JRG Financial.
Sr. VP (Projects) SAR Group
My journey with JRG as my financial planner has been wonderful. I had never had to think about the expense of both my children technical undergraduate studies which both have completed. It even helped me to buy my dream house. The financial planning is now giving me thoughts of early retirement.
Pilot
During the unprecedented challenges of the COVID-19 pandemic, sound financial advice and planning guided by Jrg proved to be my lifeline in the aviation sector. Their expertise helped me navigate the turbulent times with resilience. By devising a strategic plan, I could effectively manage my finances and maintain my lifestyle.
Retired (Coal India Ltd.)
I retired from BCCL (Coal India) and put my retirement funds into the stock market. Long meetings with Mr. Rajiv Nayyar helped me comprehend the financial market and made it easier for me to make the decision to invest my money in Mutual Funds more than a decade ago. Today, in addition to my pension, I am able to draw from my corpus as needed. The amount of growth I've seen over the years has surpassed my expectations, and I've realized the power of compounding.
Director (Engineering- Wireless/Wireline) - Amdocs
It took me longer to understand the financial market, but thanks to Mr. Rajiv Nayar’s understanding, I was able to embark on the voyage of compounding. At the age of 40, I've met numerous future goals and am almost there with my retirement goal. All of this would not have been feasible without the financial knowledge and assistance provided by the JRG team. I'm more at ease and less concerned about my financial future.
Financial Answers At Your Fingertips
Find answers to Common Financial Questions and make informed decisions - For more FAQs
Financial planning is an organised strategy for achieving one's life objectives. A financial plan acts as a road map for your future finances. essentially, it assists you in taking charge of your earnings, expenses, and investments so that you may manage your money and reach your financial aspirations. One of the most effective ways to develop sound financial judgement is through financial planning. It controls unfavourable financial behaviour and aids in the formation of sound financial behaviour. Remember that having a good financial plan in place is essential for achieving financial prosperity.
The idea that you need a lot of money to build wealth is a myth. Instead of more money, you need more time to compound your assets.
The amount of Life Insurance coverage you need will depend on many questions such as:
- How many dependents do you have?
- What kind of lifestyle do you want to provide for your family?
- How much do you need for your children’s education?
- What your investment needs are?
- What your affordability is?
As a general practice, the calculation for Sum Assured in a Term Insurance policy is:
“Minimum Sum Assured = Annual Income x 10 times + Loans or Liabilities”
"Financial Independence, Retire Early" (F.I.R.E.) is an economic principle for early retirement planning. Determine your FIRE number by calculating how much money you'll need to save if you want to retire early. This will depend on your desired retirement lifestyle, anticipated future spending, and present expenses.
Here is how you can accomplish it:
- Monitoring your discretionary spending
- Save aggressively
- invest in investments that bring in passive income
- and track your progress.
A bank mandate, sometimes referred to as a debit mandate, is a legal authority that you grant to a third party to regularly withhold a certain sum from your bank account. By applying for a bank mandate to automatically deduct a certain amount from their bank accounts and send it to the Asset Management Companies (AMCs) on particular dates, mutual fund investors grant the AMCs this right. The NACH mandate is another name for the Bank mandate. It is a quick, easy, and efficient process that makes investing much simpler for you. Since there is an auto-debit option available to them, investors do not need to make a monthly payment for SIPs. When users use the bank mandate function, the accounting process for mutual funds is made simpler. Therefore, by facilitating easy and convenient investing, the bank mandate plays an essential role for mutual fund investors who choose SIP mode.
The best time frames to begin your financial planning journey can be divided into two categories:
- The first time is when you take control of your finances and begin the process of becoming financially sound. It is at this point in your life that you start earning. You should begin considering how you can use your first paycheck to create a financially secure future as soon as you earn it.
- RIGHT NOW is the second-best moment to begin financial planning. It is never too late to start your financial planning process and get organized with your money.
The Short Answer: "Saving money only in your bank account isn't sufficient. "Although saving money is crucial, it only reveals a portion of the story. The first stage for wise investors is to accumulate enough emergency funds, and after doing so, they should move on to investing in other financial instruments that would be more favorable after accumulating funds for three to six months that are easier to access. Since investing is a successful strategy to put your money to work and possibly increase your wealth, your money may grow in value and outpace inflation if you make wise investment decisions. The power of compounding and the trade-off between risk and return are the main reasons investment has higher growth potential.
Yes. It is highly recommended that one should avail of a separate health insurance policy, as the insurance provided by the employer is a shared policy and will be valid only for the period of employment. In addition, an individual health insurance policy can be customized according to your needs.
Weddings today are multifaceted occasions with dreams of Indian parents and highly personalized dreams. With a larger budget, the wedding may stretch for four or five days. As you extend the number of celebration days, the expense of renting the venue, catering, and decorations rises. The appointment of an event manager or wedding planner will also incur additional fees. In addition, there are the customary expenses for jewelry, clothing, presents, and hair salons. First, decide what kind of wedding you are planning for your child. While peer and cultural pressure may lead you to spend more money, you are not required to keep up with the Joneses. Each person has different financial situations, so create a wedding budget based on your own.
The investments are made directly with AMCs (Asset Management Companies) regulated by SEBI, and no investment cheques are written out in the name of distributor/advisor. In case, something unfortunate happen to distributor/advisor, your investments will be freely available for you to access and transact directly, with zero impact.
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