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In Finance in Motion's 2022 annual impact report ‘Behind the Numbers’ they highlight the mechanisms and methodologies developed to deliver, measure and report on positive impact for people and planet. #ImpactReport #ImpactInvestment #EmergingMarkets #PensionsforPurpose https://ow.ly/xRmm50QbTol

💰💡 Attention all personal finance enthusiasts! 🚀 As the new financial year FY 25 kicks off, here's a pro tip to supercharge your savings with the power of compounding through schemes like the Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY). 💸✨ Did you know that by initiating your investment between April 1 and April 5, you can maximize the benefits of these schemes? Here's why: 📈 Interest calculation for PPF and SSY is based on the lowest balance in the account at the end of the fifth day of a month and the month's end. 🔑 By investing Rs. 1.5 lakh within the initial five days of April, you ensure that the entire amount earns interest for the entire financial year. ⏰ This strategic move sets the stage for compounding to work its magic, amplifying your returns over time. Don't miss out on this golden opportunity to kickstart your financial journey on the right foot. Start early, invest wisely, and watch your savings grow exponentially! 💪💰 #FinancialFreedom #SmartInvesting #CompoundingMagic 🌟

**Maximize Your HSA: Get a Head Start on 2025 Taxes!** **Summary:** Tax Day 2024 is just around the corner, and once it's behind us, it's tempting to forget about taxes for a while. However, as a savvy investor, now is the perfect time to get a head start on your 2025 taxes. By focusing on your Health Savings Account (HSA) and exploring investing opportunities, you can not only reap valuable tax benefits but also grow your wealth. Investing in your HSA offers a unique advantage - it allows you to build a tax-advantaged nest egg specifically for healthcare expenses. By starting early and contributing regularly, you can harness the power of compounding and potentially grow your HSA significantly over time. When investing your HSA funds wisely, you can benefit from potential market gains, ensuring your money works for you, even as you save for future medical expenses. This approach enables you to maximize your healthcare dollars while simultaneously building wealth to secure your financial well-being. Don't let the Fear of Missing Out (FOMO) hold you back. Take action today by evaluating your HSA investment options, exploring various asset classes, and creating a diversified portfolio that aligns with your risk tolerance and long-term goals. Remember, your HSA can be a valuable asset for your family's health and well-being, so seize this opportunity to invest and grow your wealth. #hsa #investing #healthcare #health #family #wellness 💪📈💰🌱 **Call to Action:** Act now and consult with a financial advisor to explore investment opportunities for your HSA. Take charge of your financial future, optimize your tax savings, and grow your HSA for a healthier tomorrow. Don't miss out on the potential rewards of early investing! #InvestInYourHealth #PlanForTheFuture #GrowYourHSA

🌳💰 Remember, money doesn't grow on trees! To build wealth, you need to put in the effort. 💪✨ Our simple yet powerful formula can help you on this journey: Money + Time +/- (Rate of Return - Inflation - Tax) Let's break it down: Money: This is your initial investment or savings. The more you start with, the more you can potentially grow. Time: The longer you keep your money invested, the more it can benefit from compound interest. Patience is key! To estimate how long it takes for your money to double, use the Rule of 72: divide 72 by your annual rate of return. Rate of Return: This is the profit you earn from your investments. Aim for investments with a good rate of return to maximize growth. Inflation: Inflation reduces the purchasing power of your money over time. To build wealth, your investments need to outpace inflation. Tax: Taxes can eat into your returns. Understanding tax-efficient investment strategies can help you keep more of your money. While each factor plays a crucial role, Time is often considered the most significant. The power of compound interest means that the longer your money is invested, the more it can grow exponentially. Even small investments can turn into substantial wealth given enough time. By understanding and applying this formula, you can effectively grow your wealth over time. Let's work together to secure your financial future! 🚀💸 - Join our community:    - LinkedIn: https://lnkd.in/g2Bp_N4r    - Facebook: https://lnkd.in/g8W9WM4r - Subscribe to our newsletters:    - https://lnkd.in/gAcjyU22    - https://lnkd.in/gk3Wkw8C Visit our website for more: https://cedispay.com.gh Let's grow your wealth together!" #FinancialFreedom #WealthBuilding #CedisPay #SmartInvesting #FinancialEducation

Investors have more resources than ever to help them do-it-yourself. Yet more investors than ever are choosing to work with an advisor. This is according to a Cerulli study sponsored by the Securities Industry and Financial Markets Association. Their research found that the “advised” investor segment has grown from 35% to 47%, while the number of those who consider themselves “self-directed” has fallen from 41% to just 24%, The study points to two key findings: • Over the last decade, investors' reliance on advisors, and interest in financial planning, has substantially increased, and this growth is expected to continue. • Investors recognize the value of advice when navigating complicated choices and realize it comes at a price they are willing to pay. Read the full article. The link is in the comments. #financialadvisors #financialservices #financialplanning #evidencebasedinvesting #efficientadvisors

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When your clients begin taking income from a portfolio, the subsequent sequence of returns can have a critical impact on its value over time. Share our “How sequence of returns can make or break a portfolio” insight with your clients to learn more about the impact of positive and negative returns. #MassMutualAscend #SequenceOfReturns https://lnkd.in/gvdN5Ytm

Savings vs. Investments: Understanding the Difference for Financial Success When it comes to managing our finances, two key strategies often come to mind: saving and investing. While both are crucial for financial stability and growth, understanding their differences can significantly impact our financial future. Savings: - Purpose: Short-term goals, emergency funds, or planned expenses. - Liquidity: Easily accessible, usually held in bank accounts. - Risk: Low risk, often insured, but typically lower returns. - Example: Setting aside funds in a savings account for unexpected expenses or a future purchase. Investments: - Purpose: Long-term growth, wealth accumulation, retirement planning. - Liquidity: Less accessible than savings; involves assets like stocks, bonds, real estate. - Risk: Higher risk, potential for greater returns, subject to market fluctuations. - Example: Investing in a diversified portfolio to grow wealth over time. Key Takeaways: 1. Balance is Crucial: Maintain an emergency fund in savings while allocating additional funds for investments. 2. Risk Tolerance: Understand your risk tolerance and time horizon before making investment decisions. 3. Financial Goals: Clearly define your short-term and long-term financial goals to determine the appropriate mix of savings and investments. By strategically balancing savings and investments, we can safeguard our present while building a prosperous future. Whether you're just starting out or looking to optimize your financial strategy, understanding these fundamentals is essential. #Finance #Savings #Investments #FinancialPlanning #WealthManagement

When setting financial goals for 2024, consider focusing on investment contribution targets, not income or reduced spending goals. It could look like this: Fill up HSA: $4,150 Fill up 401(k): $23,000 Fill up IRA: $7,000 Total investment contribution goal for 2024: $34,150 Setting income and expense goals can distract you from the true scoreboard, which is the amount you're able to keep.

Savings and investing are the keys to building a prosperous financial future. 💰 Here are 3-5 tips to help you on your journey to financial abundance! 🌟 1. Start Early: The power of compounding works best when you start early. Even small contributions to your savings and investment accounts can grow significantly over time. 2. Set Clear Goals: Define your financial goals, whether it's saving for a down payment on a house, funding your child's education, or retiring comfortably. Having clear objectives will help you stay focused and motivated. 3. Diversify Your Investments: Don't put all your eggs in one basket. Diversify your investment portfolio across different asset classes, such as stocks, bonds, real estate, and mutual funds, to reduce risk and maximize returns. 4. Stay Informed: Keep yourself updated on market trends, economic indicators, and investment opportunities. Knowledge is power when it comes to making informed investment decisions. 5. Automate Your Savings: Set up automatic transfers from your checking account to your savings or investment accounts. This ensures that you consistently save and invest a portion of your income without having to think about it. Remember, we're here to guide you every step of the way. Reach out to us for personalized advice on saving, investing, and all things finance. 🚀 #SavingAndInvesting #CompoundInterest #WealthCreation #FinancialEmpowerment #GrowYourWealth #InvestWisely #FinancialPlanning #MoneyMindset #FinancialGoals #SecureYourFuture