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Know your goals and invest accordingly to meet those goals. The surplus can be used at your discretion to indulge in things that make you happy.
Some goals such as child's future education is self-evident. If you start saving early when your child is young, then the goal would be easily met.
Remember that age and time are some of the biggest advantages that investors have to leading a guilt-free financial life.
Why NIPPON INDIA EQUITY HYBRID FUND ALLOTING UNITS IN TWO PARTS THROUGH SIP INVESTMENT.
Awesome simple common sense explained so well !!!
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