7 Financial Goals for 2026: Aapka Checklist

1. Emergency Fund (Suraksha Kavach)

Goal: Apne 6 mahine ke kharch ke barabar paisa ek alag liquid account ya FD mein rakhein.
Kyun? Taaki job loss ya kisi sudden medical kharch ke waqt aapki investments ko na todna pade.

2. Comprehensive Health Insurance

Goal: Kam se kam ₹5 Lakh se ₹10 Lakh ka family floater plan.
Kyun? 2026 mein medical inflation tezi se badh raha hai. Sirf office ke insurance par nirbhar na rahein, apna personal plan zaroor lein.

3. Term Insurance (Life Cover)

Goal: Aapki saalana income ka kam se kam 15-20 guna life cover.
Kyun? Agar aap ghar mein kamane wale akele hain, toh aapki gair-maujudgi mein parivaar ka lifestyle aur bacho ki padhai rukni nahi chahiye.

4. Retirement SIP ka Shriganesh

Goal: Har mahine ek nishchit rashi (chahe ₹500 hi kyun na ho) Equity Mutual Funds mein lagayein.
Kyun? Compounding ka asli jadoo tabhi dikhta hai jab aap jaldi shuru karte hain. 2026 mein shuru ki gayi SIP agle 20 saal mein crore-pati bana sakti hai.

5. Zero High-Interest Debt

Goal: Sabse pehle apne Credit Card ka purana karz aur Personal Loans khatam karein.
Kyun? 35-40% byaj bharna paison ki barbadi hai. Karz-mukt hona hi asli ameer banna hai.

6. Skill Upgradation (Apne Upar Nivesh)

Goal: Saal mein kam se kam ek nayi skill sikhein (AI, Digital Marketing, Data Analytics, etc.) jo aapki income badha sake.
Kyun? Aapka dimag aapka sabse bada asset hai. Income badhegi tabhi toh investment badhegi!

7. Asset Allocation Audit

Goal: Check karein ki aapka paisa kahan-kahan hai (e.g., 60% Stocks, 20% Gold, 20% FD).
Kyun? Ek hi jagah sara paisa lagana risky hai. Har 6 mahine mein apne portfolio ko “Rebalance” karein.

ArthVeda Scorecard

Apne readers se kahein ki wo check karein unhone kitne goals poore kiye:

0-2 Goals: Abhi mehnat ki zaroorat hai.
3-5 Goals: Aap sahi raste par hain!
6-7 Goals: Aap ek true “ArthVeda Expert” hain!

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