How to Save Money Archives - CAPITAL GURUKUL

How to Save Money for Future: A Strategic & Data-Driven Guide

by Capital Gurukul

Saving money for the future is essential for long-term financial security, with data showing that individuals who consistently save at least 20% of their income can build substantial wealth over time. According to an RBI survey, over 60% of Indians lack sufficient emergency savings, making planned investments crucial. Diversifying savings into market-linked debentures (MLDs), non-convertible debentures (NCDs), alternative investment funds (AIFs), and portfolio management services (PMS) can provide higher returns, capital protection, and inflation-beating growth.… Read More »How to Save Money for Future: A Strategic & Data-Driven Guide

How to Save Money from Salary – A Complete Guide for 2025

by Capital Gurukul

Saving money from salary is a critical step toward building long-term financial stability and wealth creation. According to a 2024 RBI survey, over 68% of salaried Indians save less than 20% of their income, highlighting the need for structured planning. Experts recommend following the 50-30-20 rule, where 50% of salary goes to essentials, 30% to discretionary spending, and 20% to savings/investments. Automating savings through SIPs or recurring deposits ensures discipline, while cutting unnecessary expenses can… Read More »How to Save Money from Salary – A Complete Guide for 2025