Financial Solutions for Young Professionals
Your money, in simple terms
Your first years of earning are the best time to build good money habits. Time is your biggest advantage: money invested in your twenties has decades to grow.
We help you set up the basics, an emergency fund, your own health cover and a monthly SIP, and plan for goals like a home, travel or further studies.
Your insurance, investment and planning needs
Each item links to a page that explains it in more detail.
Protection
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Your own health insurance
Group cover from work ends when you change jobs; a personal policy stays with you.
Health insurance -
Term cover once someone depends on you
Premiums are lowest when you are young and healthy.
Term insurance -
An emergency fund
Three to six months of expenses, kept safe and easy to reach.
Liquid funds
Investment
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Start a SIP early
Even a small monthly amount grows significantly over decades.
SIP investment -
Step it up each year
Increase your SIP with every pay rise.
Step-up SIP calculator -
Smart tax saving
Choose the right regime and investments that suit your goals.
Tax planning
Planning
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Your goals
A home, a car, travel or further studies, each with a number and a date.
Goal-based planning -
Retirement, early
Starting in your twenties makes retirement far easier to fund.
Retirement calculator -
Avoiding debt traps
Use credit cards and loans wisely while you build savings.
Free financial checkup
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
Consultation, comparison, planning and ongoing support
Consultation
A free conversation about your situation, priorities and goals.
Comparison
Options from several insurers and fund houses, explained side by side.
Plan & set-up
A clear, prioritised plan, with all the paperwork handled for you.
Ongoing support
Renewals, reviews and claims support for as long as you need us.
For Young Professionals: common questions
Build an emergency fund, take a personal health policy and start a SIP, even a small one. Add term cover once someone depends on your income.
It usually ends when you leave the job and may be small. A personal policy, bought while you are young and healthy, protects you between jobs.
A common guideline is to save at least 20% of your take-home pay. Our SIP calculator shows what different amounts could grow to.