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I’m 46 years old this year. I’ve been a financial planner myself for the past seventeen years. Prior to this I’ve always worked in financial services in different positions. So, I’m used to actually giving out financial advice.My interest in finance has always been with me. At age nineteen, after completing high school tuition, I was serving in the military, which at the time, was compulsory, for a year. Often times, in military service, there is a lot of idle time. I used to read a lot in my spare time. I came across a Finance related book by author Magnus Heystek, called “Making money made simple.”The book was very relatable. It showed in simple form, how the average person, can work toward achieving financial independence. I will never forget to this day how he defined “financial independence.” It is when you have enough capital invested, that the growth/interest earned from your investment, is as much as the income you earn from employment.Now, admittedly, this goal seems to be a long shot, pie on the sky type of stuff. Right? Wrong: The book illustrates that by being a diligent investor, regularly setting aside (investing) a portion of your income (depending on your age/circumstances), your investment will grow, not only by your own additions to the investment, but more importantly by compound interest!In conclusion, to answer the question: The best piece of advice that actually works, is to realize there are no quick fixes or short cuts on the path to financial independence. The sooner you start the better (easier). Prepare an honest budget, invest monthly as much as you can, get help with where/how to invest, don’t be greedy, don’t be tempted to withdraw the investment unnecessarily, and spend time, lot’s of it, being invested. May the compound interest be with you!

Instead of telling you which stocks to invest in, let me tell you what’s the best approach to invest Rs.50,000 in stock market.Let’s consider two different scenarios,Market crashes after your investmentMarket rallies after your InvestmentIt’s obvious that we feel great when market rallies after our investment is made, but what if the unexpected happens? Market crashes, you lose a considerable portion of your investment. And More over you will feel bad that, you do not have any money left, as you are fully invested and couldn’t make use of the crash.So the better way is to segregate your investment, divide your investment into 3 tranches & invest in the portfolios one at a time with a time gap. After LTCG tax of 10%, you will be taxed 10% (If profit is above 1 lakh) if you are selling after 1 year and you will be taxed 15%, if its short term holding period.So one would prefer holding for a shorter period (3 to 6 months) to make use of short term price fluctuations in markets. So consider the following approach to invest, if you want to make decent returns with less downside.Capital: Rs.50,000.3 Tranches: 50000/3=16666You need to invest only Rs.16,666 for the first month, and second month another Rs.16,666 and third month you final investment Rs.16,666. This way you have reduced the over exposure risk, even if there are huge market correction in first month, you will not lose much since you invested only 1/3rd of your capital.By the time we reach fourth month, the holding period of first tranche investment is over and freed up for reinvesting in 4th month. And you can repeat the same process. This way your risk is considerably low and you can get to make decent returns.We have tested this approach vigorously in Indian markets and it really worked well. We have built an algorithm to pick best performing stocks on each sector and invest in them every month based on the above approach. It has delivered better return than index with consistently with minimal downside.So my friend, that’s the best way to invest. We share many such information related to algo trading/system trading through our Telegram channel. You can follow us to get constant updates.Source: Quantopian , SquareOff

Oh, that’s easy. You just reduce or eliminate your income.No income, no income tax. You’ll still pay capital gains taxes on your investments but only if you sell them and turn them into cash.Ever wonder why the CEO of Walmart, one of the largest companies in the world with hundreds of billions of dollars in revenue, only takes a $1 million salary? Because that means he only has to pay taxes on $1 million worth of income. The rest of his compensation — about $20 million per year — is in the form of stock, so he’ll only pay taxes on that when he sells it.Did you really think the tech CEOs who symbolically take a “$1 salary” were being altruistic?For what it’s worth, there isn’t anything wrong with this. We shouldn’t tax assets that aren’t liquid, like unsold stock. We should never force someone to sell an asset in order to pay taxes on that asset.