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

Eat healthy food Get enough sleep

Oxytocin The LOVE chemical

Play with kids Play with pets

Serotonin The mood stabilising chemical

Do breathing exercises Get some sunlight

Endorphin The pain killer chemical

to stay connected to your passion and live by it, each day.

JULY 2021 | VOL. 2

This is strictly for information purposes and not to be taken as medical advice

Have a shower

Hug loved ones

Spend time with nature

Be thankfuland forgiving

Smile and Laugh, Often Listen to musicWalk and Stretch

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Health andHappiness

Cover

Story

Shopping

Trav

elGym

Zumba

Running

Grooming

Movies

EventsP

lays

EatingOut

Dance

Festivals

New white goods

New Skills

HobbiesPassions

Meetingloved ones

Celebrations

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.

Budgeting tospend wisely

50/30/20 rule :

50% needs +

30% wants +

20% investments

VACCI

NATI

ON

Saving & investingfor key financial goals

Pay off loans and

Credit Card

bills, timely.

Automate your

investments through

Standing Instructions

Preparing foremergencies &uncertainties

Invest in a mix of

asset classes with

varying risk, returns,

liquidity and lock-in periods

Diversifyinginvestments

Create an

emergency fund for

unforeseen expenses,

of 6 months’ living

expenses

JULY 2021 | VOL. 2

Optimism withCaution

Cover

Story

Get the right gear for your running style

Start

Medical

Water

Station

Stop

3 Km

21 Km

9 Km

Preparednessthrough 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.

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.

JULY 2021 | VOL. 2

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

Set your target, plan your practice schedule and follow it

through, with discipline:

( *S- Specific, M- Measurable A- Achievable, R- Relevant, T- Time bound )

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

like SIPs, RDs etc.

MAKE YOUR VISION BOARD

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.

JULY 2021 | VOL. 2

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

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.

Be

Financially Fit

Stay fit - Invest in wellness

Refer to a data-backed advisory for

investments in Equity

Plan for your dreams with goal-based

investments. Start early and enjoy the power

of compounding

Automate your insurance premiums, EMIs, credit card

bills and utility bills to ensure continuity

Execution is the KeySo 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.

Pursue your hobbies

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START NOW

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

Check nominations for all your accounts, investments

and policies

Do’s

JULY 2021 | VOL. 2

The Bank

For You

FinGuru

Don't play on chance, get vaccinated

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

Don’t let unbudgeted spends disturb your

savings. Opt for easy EMI options

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

ensure adequate protection

Don't stay in one position continuously, for long

periods. Take breaks, move and stretch a little

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

your family, using iLocker

Don't settle for an inadequate life cover.

Know your life's value.

EXPLORE NOW

Get iLocker

Don'ts

JULY 2021 | VOL. 2

The Bank

For You

TEST YOUR KNOWLEDGE

JULY 2021 | VOL. 2

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