BFC Capital successfully hosted its 293rd Quality Circle Program on 6th September 2025 at Hotel Silvete, Lucknow. The insightful session, led by Mr. Anurag Agarwal, focused on money management and financial literacy, drawing a full-house audience. The event fostered active engagement, encouraged informed financial decision-making, and empowered every attendee with practical investment insights for a secure financial future.
How much of my monthly income should I actually be investing?
One must always follow the 50, 30, & 20 rule. Meaning, set aside 50% of monthly earnings for needs, 30% for wants, and 20% for savings. However, it also depends on your income and liabilities, but the idea is to remain consistent.
How do I know if I am investing in the right fund for my financial goal?
Start by determining whether your fund type aligns with the timeline of your financial goals; if yes, then good to go; otherwise, you may need to adjust your investments. To make it clearer: The time horizon for an equity fund is 5+ years, for a hybrid fund is 3-5 years, and for a debt fund, it’s under 3 years. If you still need assistance, we’ll be happy to help you map out your investment journey.
If the market crashes, will I lose everything?
Markets are like an ECG machine; it shows that the heart is constantly moving up and down—that’s what a healthy heart looks like, right? Nobody wishes to see a flat line because that would mean the person is dead. Similarly, a flat market is a dead market—no movement means no opportunity, growth, or price discovery. Therefore, if you have a well-diversified portfolio and a long investment horizon, then short-term crashes are temporary. However, panic selling is what locks losses—staying the course is usually the smarter move.
How do I protect my family financially, while also building wealth?
People typically invest first to build wealth, then think about protecting their family financially, which indeed is a very risky order of operation. The ideal thing to do is to get health insurance or term-life insurance and then build wealth.
