Rajesh Kumar · Dhanbad · investing for over 12 years
When His Job Turned Uncertain, The Plan Bent Instead Of Breaking
Stopping would have been the simplest response. It would also have cost him twelve years of position.
2020
Uncertainty around his job created real financial stress while all four goals were still running.
His plan was adjusted to match what he could actually manage that year. SIP commitments were reduced and flexibility was created where it was needed — but he did not step away from the goals underneath them.
As circumstances stabilised, he continued from where he was rather than restarting from the beginning.
Rajesh has been investing for more than twelve years around a set of family goals: a home, his daughter Anugya's higher education, an emergency fund and long-term wealth.
Four goals, in order of arrival
- Home purchase2026
- Anugya's higher education2029
- Emergency fund2029
- Long-term wealth creation2031
I began my investment journey with FinEdge over a decade ago, and it proved to be one of the best financial decisions I made. During a particularly uncertain period in my career, my Investment Manager took the time to understand my situation and helped adapt my investment plan instead of following a one-size-fits-all approach.
That flexibility gave me confidence and helped me stay financially independent while continuing to work towards my long-term goals. Over the years, my trust in FinEdge has only grown stronger, and I continue to value the guidance, discipline and support they have provided throughout my journey.
The home purchase is now the closest of the four. It is the goal that was most at risk in 2020, and it survived the year because the plan was allowed to move.