DINK Lifestyle Trend: Kya Hai Yeh Naya Trend?
Aajkal, young couples mein ek naya trend chal raha hai: DINK, yaani ‘Dual Income, No Kids’. Pehle jahan shaadi ke turant baad baby shower ki invitation aati thi, ab yeh har couple ke liye sach nahi hai. Yeh trend West se India mein aa raha hai, jismein young couples consciously apne careers aur goals par focus kar rahe hain.
Financial Planning Ka Role
Vishal Dhawan, CEO of Plan Ahead Wealth Advisors, kehte hain ki yeh lifestyle couples ko financial flexibility deta hai. Isse woh career breaks le sakte hain aur apne dreams ko pursue kar sakte hain. Dhawan yeh bhi stress karte hain ki DINK couples ko insurance aur emergency funds ko prioritize karna chahiye.
Travel Plans Aur FIRE Movement
Dhawan ne yeh bhi bataya ki DINK couples travel karna chahte hain, jiske liye unhe zyada funds ki zaroorat hoti hai. Kuch couples ‘Financial Independence, Retire Early’ (FIRE) movement se bhi attract hote hain, jismein woh wealth create karke jaldi retire hona chahte hain.
Investment Tips for DINK Couples
Nisreen Mamaji, founder of MoneyWorks, DINK couples ke liye ek detailed portfolio recommendation deti hain. Unki strategy equity mein zyada investment karne ki hai. Woh suggest karti hain ki 70% equity mein, 10% hybrid funds mein, 15% debt funds mein, aur 5% international funds mein invest karna chahiye.
Equity Allocation: Kahan Invest Karein?
Mamaji ne equity allocation ke liye specific recommendations di hain. Woh kehti hain ki 20% funds PPFAS aur HDFC ke flexicap funds mein allocate karne chahiye. Larger 25% allocation Mirae aur Canara Robeco ke large and mid-cap funds mein karna chahiye.
Mid-Cap Aur Sectoral Investments
Dynamic segments mein opportunities capture karne ke liye, Mamaji 15% allocation mid-caps ke liye recommend karti hain, jismein Kotak aur HDFC ke schemes shamil hain. Tactical allocation ke taur par, woh 10% funds ICICI Innovation fund ya SBI Consumption fund mein invest karne ki salah deti hain.
Stability Aur Risk Management
Finally, Mamaji balanced advantage funds aur debt funds ko shamil karne ko kehti hain, jo overall portfolio mein stability aur risk management provide karte hain. Isse DINK couples apne financial goals ko achieve kar sakte hain aur ek stress-free lifestyle jee sakte hain.
Urban Parenting: Kitna Kharcha?
LinkedIn post ke according ek child ko raise karne ke liye Rs 13 Lakhs per year lag sakte hain.
