Urmila Singh, CFP | CEO & Financial Planner, Mumbai | S9 https://s9financialplanners.com/blog/author/urmila-singh/ Certified financial planners in India Wed, 16 Sep 2026 06:43:00 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.4 https://s9financialplanners.com/wp-content/uploads/2026/06/favicon-150x150.png Urmila Singh, CFP | CEO & Financial Planner, Mumbai | S9 https://s9financialplanners.com/blog/author/urmila-singh/ 32 32 Your Retirement Portfolio May Be Safe, But Is It Sustainable? https://s9financialplanners.com/blog/2026/06/retirement-fixed-income-mistake-safe-but-not-sustainable/ Thu, 25 Jun 2026 03:57:42 +0000 https://s9financialplanners.com/blog/?p=6080 When I speak to retirees and those approaching retirement, I often hear a version of the same thought: I don’t want to take risks anymore. I just want my money ... Read more

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]]> “Your Children Are Not Your Retirement Plan” – Rethinking Retirement with Prasad Shetty https://s9financialplanners.com/blog/2026/04/retirement-dignity-problem-prasad-shetty/ Wed, 08 Apr 2026 12:18:43 +0000 https://s9financialplanners.com/blog/?p=5985 Most of the old people were not struggling because they didn't earn enough. They were struggling because they never kept anything for themselves.

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]]> How to Structure Your Money in Your 20s: The 3-Bucket Strategy Explained https://s9financialplanners.com/blog/2026/03/structure-money-20s-3-bucket-strategy/ Tue, 17 Mar 2026 08:27:14 +0000 https://s9financialplanners.com/blog/?p=5974 Your 20s are often the first time you truly control your money. You start earning. And sometimes, you finally start living… with a sense of freedom. But your first income ... Read more

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]]> Why Saving Alone Won’t Make You Rich: A Money Reality Check for Women in Their 20s https://s9financialplanners.com/blog/2026/02/why-saving-alone-wont-make-you-rich-money-reality-check-women-in-20s/ Tue, 03 Feb 2026 10:01:49 +0000 https://s9financialplanners.com/blog/?p=5968 If your expenses rise at around 7–8% annually, but your savings grow at only 3–4%, you’re moving backwards without realising it. Isn’t it?

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]]> Why Financial Planning Is Not Just About Money but Mindset https://s9financialplanners.com/blog/2025/11/financial-planning-not-about-money-but-mindset/ Tue, 04 Nov 2025 06:15:53 +0000 https://s9financialplanners.com/blog/?p=5961 Once someone understands the process of financial planning, 80% of the work is done. The rest is execution and consistency.

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]]> Managing Debt Wisely: A Roadmap for Indian Professionals https://s9financialplanners.com/blog/2025/09/managing-debt-wisely-roadmap-indian-professionals/ Sat, 27 Sep 2025 10:40:40 +0000 https://s9financialplanners.com/blog/?p=5953 In their early 20s, many professionals believe that financial stability will come naturally once they start getting bigger packages. “I’ll save more once I earn more,” they tell themselves. However, ... Read more

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]]> Why Emergency Funds Matter: A Real-Life Story That Saved the Day https://s9financialplanners.com/blog/2025/09/emergency-funds-real-life-story/ Thu, 04 Sep 2025 10:56:47 +0000 https://s9financialplanners.com/blog/?p=5947 An emergency fund may not feel exciting compared to stock market gains, but in moments of crisis, it is your true superhero. It protects your family, your dreams, and your peace of mind.

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]]> Got a salary hike? 7 Smart ways to use it to fast-track your financial goals https://s9financialplanners.com/blog/2025/07/salary-hike-smart-ways-use-fast-track-financial-goals/ Wed, 30 Jul 2025 04:57:14 +0000 https://s9financialplanners.com/blog/?p=5940 t’s not that we aren’t grateful for the raise. We absolutely are! But the moment that extra money lands, our mind starts racing in a dozen directions.

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]]> The 5 Most Common Misconceptions About Insurance in Financial Planning https://s9financialplanners.com/blog/2025/07/common-misconceptions-insurance-financial-planning/ Fri, 11 Jul 2025 12:19:54 +0000 https://s9financialplanners.com/blog/?p=5932 People carry myths, half-baked assumptions, and misplaced priorities that pushes insurance in the list of ‘good-to-haves’ rather than ‘must-haves’.

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]]> Financial Planning for Couples: Merging Goals, Budgets, and Investment Styles https://s9financialplanners.com/blog/2025/05/financial-planning-for-couples-goals-investment-budgeting/ Fri, 16 May 2025 08:54:28 +0000 https://s9financialplanners.com/blog/?p=5928 Many couples don’t have clearly defined financial goals, and joint planning for emergencies or big-ticket milestones like a home or a child’s education. 

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