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Health and Story

Happiness
Happiness is the highest form of health and it’s just a D.O.S.E. away! Follow these
simple tips to make sure the happy chemicals keep you and your mind healthy and happy,
always.

Dopamine The reward chemical that gives you motivation

Have a shower Eat healthy food Get enough sleep

Oxytocin The LOVE chemical

Hug loved ones Play with kids Play with pets Be thankful
and forgiving
Serotonin The mood stabilising chemical

Spend time with nature Do breathing exercises Get some sunlight

Endorphin The pain killer chemical

Walk and Stretch Smile and Laugh, Often Listen to music

CLICK HERE to stay connected to your passion and live by it, each day.
This is strictly for information purposes and not to be taken as medical advice

JULY 2021 | VOL. 2

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Optimism with Story

Caution
When the roots are deep, there is no reason to fear the wind. Thanks to the unlock process
and widespread vaccination, there is renewed anticipation about the little joys that we have
missed for so long, like meeting friends and family, travel etc. Let us guard this optimism, by
ensuring our financial and physical well-being, so we can embrace life again, without fear.

s
Fes

ay
Pl
tiva

Gym
ls

el
av
Tr

Dance ts
Running Even
Hobbies
Cele Passions
brati Eating
ons
Out
Mee
loved ting Zumba
ones
g
Shoppin Movies

New
white goods V
A Gr
C oom New Skills
ing
C
I
N
A Preparing for
Budgeting to T emergencies &
spend wisely I uncertainties
O Create an
50/30/20 rule : N emergency fund for
50% needs +
unforeseen expenses,
30% wants +
of 6 months’ living
20% investments
expenses
Pay off loans and
Credit Card
bills, timely.
Diversifying
Saving & investing investments
for key financial goals
Invest in a mix of
Automate your asset classes with
investments through varying risk, returns,
Standing Instructions liquidity and lock-in periods

JULY 2021 | VOL. 2

 Be
Financially Fit
Preparedness
through Planning
A successful marathon is 90% preparation and 10% performance. This also holds true for
financial planning. A well-thought-out strategy and strict discipline, are essential for success.

Water
9 Km
Station
3 Km
Set your target, plan your practice schedule and follow it
through, with discipline:
Set SMART* financial goals. Keep your risk profile, earnings
and expenses in mind, while setting the goals. You can use a
Vision Board for goal setting.
Prioritise the goals based on urgency, importance and the
investment you can make for each goal
Give yourself adequate time to accomplish your goals
Stay disciplined in your investments with automated payments
t
Star like SIPs, RDs etc.
( *S- Specific, M- Measurable A- Achievable, R- Relevant, T- Time bound )

MAKE YOUR VISION BOARD

Medical

Stop

21 Km
Not all days are for running, but there
should be no idle day, either
Leave the solutions to work for your goals.
Don’t keep revisiting your plans frequently
Do not leave a lot of funds idle or in illiquid
instruments.

Get the right gear for your running style

Select the right investment solutions to
achieve each goal, based on your risk profile,
time horizon and liquidity requirement
Optimise your spends with the latest
Monsoon Bonanza offers.

CHECK OFFERS

JULY 2021 | VOL. 2

 Be
Financially Fit

Financial planning is similar to running a marathon. It requires focus, adherence to

a pre-decided route map, continuous monitoring of one’s condition and above all,
perseverance.

Prepare for all kinds of weather

Plan for contingencies arising
out of accidents, disability,
disease, hospitalisation and
even death, through insurance
Ensure all your savings and
investments have nominees
Collate your financial & other
important information and
documents in iLocker
Make a will. Keep it in line with
your nominations or vice versa.

Monitor your heartbeat and speed

Keep a track of the achievement of
each goal, every six months.
Course correct with newer
solutions, if needed
Reroute windfall gains to goals, as
per priority
Rebalance portfolio, based on
achievement.
‘Liquid’ity is essential to keep
you running
Keep 6 months’ living expenses as an
emergency fund
Keep this fund in liquid form, i.e. in a
Savings Account or Fixed Deposit

JULY 2021 | VOL. 2

 The Bank
For You
Execution is the Key
So far, we have seen how HOPE is made of Health and Happiness, Optimism
with Caution and Preparedness through Planning. But to be truly
successful, it is essential that we put our plans into action. Here are a few
simple Do’s and Don’ts, to ensure that HOPE is made complete, by a few
seamless executions.

Do’s
Stay fit - Invest in wellness

Pursue your hobbies

Refer to a data-backed advisory for EXPLORE NOW

investments in Equity

Plan for your dreams with goal-based

investments. Start early and enjoy the power START NOW

of compounding

Start saving for an emergency fund. Spend what is

left after saving and investing

Allocate your financial assets wisely. Have a balanced

and diversified portfolio

Automate your insurance premiums, EMIs, credit card

bills and utility bills to ensure continuity

Check nominations for all your accounts, investments

and policies
JULY 2021 | VOL. 2
 The Bank
FinGuru
For You

Don'ts
Don't play on chance, get vaccinated

Don't stay in one position continuously, for long

periods. Take breaks, move and stretch a little

Don’t engage in impulse-buying or panic-selling of stocks

Don’t let unbudgeted spends disturb your

EXPLORE NOW
savings. Opt for easy EMI options

Don’t travel without a comprehensive

travel insurance and health cover

Don't keep your financial details to yourself.

Consolidate and keep them safe with Get iLocker

your family, using iLocker

Don’t rely only on employer’s insurance cover,

ensure adequate protection

Don't settle for an inadequate life cover.

Know your life's value.

JULY 2021 | VOL. 2

 It’s time to test your knowledge. Take a
short and simple quiz, based on what we
have covered in The Orange Book so far.
TEST YOUR KNOWLEDGE

We hope you
liked going through

We would really appreciate your feedback.

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Thank you.

Please click here for disclaimer

JULY 2021 | VOL. 2