{"id":13401,"date":"2022-07-14T12:54:20","date_gmt":"2022-07-14T07:24:20","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=13401"},"modified":"2022-07-14T17:42:55","modified_gmt":"2022-07-14T12:12:55","slug":"goal-based-investing","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/goal-based-investing\/","title":{"rendered":"What is Goal-Based Investing ?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d7b0a5085b4\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7b0a5085b4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#What_is_Goal-Based_Investing\" title=\"What is Goal-Based Investing?\">What is Goal-Based Investing?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Benefits_of_Goal-Based_Investing\" title=\"Benefits of Goal-Based Investing\">Benefits of Goal-Based Investing<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Financial_goals_enable_choosing_the_right_investment_products\" title=\"Financial goals enable choosing the right investment products\">Financial goals enable choosing the right investment products<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Helps_in_balancing_our_investment_portfolio\" title=\"Helps in balancing our investment portfolio\">Helps in balancing our investment portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Setting_financial_goals_to_avoid_unwanted_loans\" title=\"Setting financial goals to avoid unwanted loans\">Setting financial goals to avoid unwanted loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Fiscal_control_is_maintained\" title=\"Fiscal control is maintained\">Fiscal control is maintained<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Goal-Based_Investment_in_Mutual_Funds_How_Practical_is_It\" title=\"Goal-Based Investment in Mutual Funds: How Practical is It?\">Goal-Based Investment in Mutual Funds: How Practical is It?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Scenario_1_Childs_higher_education_and_marriage\" title=\"Scenario #1: Child&#8217;s higher education and marriage\">Scenario #1: Child&#8217;s higher education and marriage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Scenario_2_Planning_for_retirement\" title=\"Scenario #2: Planning for retirement\">Scenario #2: Planning for retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Scenario_3_Money_saved_on_property_purchase_car_or_a_holiday\" title=\"Scenario #3: Money saved on property purchase, car, or a holiday\">Scenario #3: Money saved on property purchase, car, or a holiday<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#FAQs\" title=\"FAQs:\">FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Why_is_it_important_to_set_goals_while_saving_and_investing\" title=\"Why is it important to set goals while saving and investing?\">Why is it important to set goals while saving and investing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Are_financial_goals_important_for_a_business\" title=\"Are financial goals important for a business?\">Are financial goals important for a business?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#State_the_four_main_goals_of_business_finance\" title=\"State the four main goals of business finance?\">State the four main goals of business finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&nbsp;<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/4KymFsyeimQ\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">We all have financial goals\u2014for a new home, upgrading cars, a kid&#8217;s education, a trip to Hawaii, and so on\u2014but most do not invest based on our goals. Instead, we tend to invest in schemes and stocks based on high returns, which is necessary. However, that investment may not be targeted towards a particular or many simultaneous goals.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Moreover, even if you have multiple investments carefully done for different financial goals, they may have multiple maturity times, leading to confusion and dilemma.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is where goal-based investing can help. It entails maintaining multiple SIPs or Systematic Investment Plans for multiple financial goals. The benefit? Each goal is super-easy to track, and you build a well-diversified portfolio of variable assets. Continue reading to know more about how goal-based investing can make your dream come true faster and more efficiently.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"alignnone size-large wp-image-13417\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Goal-Based_Investing\"><\/span>What is Goal-Based Investing?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Goal-based investing is a renewed process of financial management that prioritises investing to attain the set goals. Parameters like current assets in your portfolio, expense method, risk portfolio, asset allocation, and the short, medium, and long-term goals are looked upon under goal-based investing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">So if you&#8217;re wondering <\/span>what is goal-based investing<span style=\"font-weight: 400;\">, it is a financial strategy that paves a direction for you and your financial goals in a systematic manner so that they&#8217;re achievable systematically. Hence, <\/span>goal-based investing planning<span style=\"font-weight: 400;\"> is a method of investing to achieve financial goals with systematic planning.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_Goal-Based_Investing\"><\/span>Benefits of Goal-Based Investing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It doesn&#8217;t matter your financial goals, which could be for you or your family. But, if you don\u2019t invest in your goals systematically, your financial outcomes will not mature as planned.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is why, while choosing goal-based investing, it is critical first to identify:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What goal do you need to achieve?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The period within which you wish to achieve the set goal?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The amount you need to invest for the same?<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before determining all these, you also need to remember the current price of attaining the set goal and the rise in its price.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is where the <\/span>goal-based investing calculator <span style=\"font-weight: 400;\">can help with the near-precise amount you need to invest every month in fulfilling your investment goals.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Take a look at the benefits:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Financial_goals_enable_choosing_the_right_investment_products\"><\/span>Financial goals enable choosing the right investment products<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Once you are sanguine with the amount required to fulfil your financial goal and the period you need to gather the corpus, you can develop an investment strategy. Then, based on the investment outlook and financial goals, you can choose from the asset classes like <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\">debt<\/a>, <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\">equity<\/a>, gold, etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For instance, short-term goals like school fees, travel, etc., require money in any circumstances. Here the focus would be on gathering that money and acquiring some growth. Therefore, <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">fixed deposits<\/a> and debt funds would be suitable.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For medium-term goals, like purchasing a car or a house, a combination of equity plus debt is fair. Because you have a slightly extended outlook, you can still survive if the market falls or turns volatile. Lastly, for long-term goals, equity is the best option. It focuses on increasing money.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Helps_in_balancing_our_investment_portfolio\"><\/span>Helps in balancing our investment portfolio<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When your investments are in sync with your financial goals, it helps keep your investment portfolio balanced at proper intervals, enabling you to imbibe a thorough asset allocation strategy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Setting_financial_goals_to_avoid_unwanted_loans\"><\/span>Setting financial goals to avoid unwanted loans<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If your investments are not systematically aligned with your goals, the probability of falling short of funds when you need them turns high. For instance, you may fall short of an adequate amount of money in the time of need. In such a situation, taking a loan would become a necessity. The loan will help you achieve your goal at that moment, but you will end up in a debt maze.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Therefore, choosing a goal-based investing planning approach shall always keep you away from taking a loan forcefully.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Fiscal_control_is_maintained\"><\/span>Fiscal control is maintained<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can still fix situations where you have goals and lack investment, but investing without having set financial goals cannot be fixed, leaving you in a state of despair.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Moreover, staying invested in a particular fund to achieve goals shall be a continuous process, as you know that you must not stop investing to achieve goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Therefore, even in the case of market volatility, you would still stay firm and learn to deal with the unfavorable market fluctuations in a good way with the help of a <\/span>goal-based investing platform<span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Goal-Based_Investment_in_Mutual_Funds_How_Practical_is_It\"><\/span>Goal-Based Investment in Mutual Funds: How Practical is It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\">Mutual funds<\/a> are one of the best investment solutions for different requirements and risk appetites. There are many mutual funds that you can use based on your investment goals.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s glance through some generic goals with an ideal mutual fund choice to invest in to achieve the goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Scenario_1_Childs_higher_education_and_marriage\"><\/span>Scenario #1: Child&#8217;s higher education and marriage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Parents are more concerned about their child&#8217;s future, so they wouldn&#8217;t want to get into extreme risks with their fund planner for higher education.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Therefore, considering this as a long-term goal, although not as long as retirement, <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/hybrid\">hybrid funds<\/a>, <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/large-cap-fund\">large-cap funds<\/a>, <a href=\"https:\/\/kuvera.in\/blog\/index-funds-history-features-and-active-v-s-passive-investing\/\">index funds<\/a>, gold funds, etc., are preferred options.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Scenario_2_Planning_for_retirement\"><\/span>Scenario #2: Planning for retirement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Planning for retirement is a long-term goal. Considering this, investing in <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/multi-cap-fund\">multi-cap funds<\/a>, large-cap funds,<a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/mid-cap-fund\"> mid-cap funds<\/a>, etc., are preferable. However, <\/span>goal-based <a href=\"https:\/\/kuvera.in\/blog\/10-reasons-why-sip-is-the-best-way-to-invest\/\">SIP<\/a><span style=\"font-weight: 400;\"> is also the best investment option in this scenario as you have the liberty of compounding while benefiting from <a href=\"https:\/\/kuvera.in\/blog\/what-is-rupee-cost-averaging\/\">rupee-cost averaging<\/a> that is likely to give higher returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Scenario_3_Money_saved_on_property_purchase_car_or_a_holiday\"><\/span>Scenario #3: Money saved on property purchase, car, or a holiday<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Saving on a house and car can come under short-term or long-term goals depending on your purchase period. However, planning for a holiday is a short-term goal.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Hence, if you plan to buy a house or a car within 1-2 years, then debt funds are suitable. However, if your goal achievement span is a little longer, say 3-years, investing in dynamic bond funds, long-duration debt funds, etc., is a preferred option.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To summarise, <\/span>goal-based investing planning<span style=\"font-weight: 400;\"> helps you focus on systematic and planned investments aligned with your goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Why_is_it_important_to_set_goals_while_saving_and_investing\"><\/span>Why is it important to set goals while saving and investing?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Solidifying financial goals offer benefits where you can achieve financial success. This includes being focused and clear about what you need, being motivated and developing a systematic plan. Moreover, when you invest, if your goals are in check, it becomes easy to take a step forward to something new and exciting.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Are_financial_goals_important_for_a_business\"><\/span>Are financial goals important for a business?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Financial goals for a business are physical investment plans that an organization can focus on, even if it is for the short term or long term. Setting these goals can benefit the business to attain broader organizational goals. In any case, for the business to sustain and flourish, <\/span>goal-based investing planning<span style=\"font-weight: 400;\"> is required.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"State_the_four_main_goals_of_business_finance\"><\/span>State the four main goals of business finance?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The three main goals of business finance are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appreciating revenue\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Raising profit limits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retrenching during hard times, and\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receiving ROI (Return on Investment)\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/PlhRRvuC7ic\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; We all have financial goals\u2014for a new home, upgrading cars, a kid&#8217;s education, a trip to Hawaii, and so on\u2014but most do not invest based on our goals. Instead, we tend to invest in schemes and stocks based on high returns, which is necessary. However, that investment may not be targeted towards a [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/goal-based-investing\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":13405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822,768,679],"tags":[1141,1140,67,17],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Goal-Based Investing ? - Kuvera<\/title>\n<meta name=\"description\" content=\"Goal-based investing is a renewed process of financial management that prioritizes investing to attain the set goals. 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