THE FINSET LADDER

The FinSet Ladder.

Six steps in one fixed order. Each removes a risk that would otherwise undo the step above it, which is why the sequence never changes. Protection comes before returns.

No step may be skipped or reversed. A retirement SIP built on an uninsured life or an empty emergency fund is the most common and most expensive mistake in Indian personal finance. The Ladder fixes the order and names the products that do not belong on any step.

01Emergency FundSix months of expenses in a liquid fund, sized for a single income and set up on purpose.Read the Guide →02Health InsuranceAn own floater for every dependent. The employer policy is a bonus, not a substitute.Read the Guide →03Term Life CoverPure term at 15–20× annual income. No endowment and no ULIP.Read the Guide →04Insure Major AssetsVehicle, home and big equipment. Practical, not emotional.Read the Guide →05SIP for RetirementEquity-heavy when young, with an allocation that shifts as the years pass.Read the Guide →06SIPs for GoalsOne SIP per named goal. School, house, sabbatical.Read the Guide →

Step one asks for six months of expenses, which means knowing what a month actually costs. The budget calculator splits a monthly take-home into needs, wants and savings, so the emergency fund has a number to aim at before anything is bought.

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Educational illustration, not personalised advice. FinSet is an AMFI-registered mutual fund distributor, ARN 180462. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.