Épisodes

  • 24: Ep 024 : Term Insurance vs Endowment & ULIPs - What Should You Choose?

    24: Ep 024 : Term Insurance vs Endowment & ULIPs - What Should You Choose?
    Sep 10 2025
    Lovaii Navlakhi and Shanthala Kumble break down term insurance vs endowment and ULIPs, helping you choose the right plan, protect your family, and avoid overpriced policies.

    Choosing the right life insurance can feel overwhelming with so many options available. In this episode, Lovaii Navlakhi and Shanthala Kumble simplify the choices by comparing pure term insurance, endowment plans, and ULIPs. They discuss what each plan is best suited for, the costs involved, and common pitfalls to avoid. This episode helps you make informed decisions, ensuring your family’s protection and aligning your insurance with your financial goals.

    #LifeInsurance #TermVsULIP #EndowmentPlans #InsuranceSimplified #FinancialPlanning #ProtectYourFamily #SmartInvesting #InsuranceTips #PersonalFinance #FinancialAwareness
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    17 min
  • 23: Ep 023 : Is a Will Enough to Protect Your Legacy?

    23: Ep 023 : Is a Will Enough to Protect Your Legacy?
    Aug 18 2025
    Many believe that writing a will is sufficient to safeguard their family’s future. The reality is that a will alone can leave your assets vulnerable to disputes, taxes, and long delays.

    In SIMMPLY LOVAII | Episode 23, we discuss:
    • The difference between a will and a family trust
    • Why setting up a trust can save your loved ones stress and money
    • When you should consider adding a family trust to your estate plan
    • How trusts help protect your legacy for generations
    If you want to secure your wealth and truly protect your legacy, this episode is for you.
    Subscribe for more insights on estate planning, wealth protection, and financial freedom.

    #FamilyTrust #WillVsTrust #EstatePlanning #ProtectYourLegacy #WealthProtection #InheritancePlanning #FinancialFreedom #GenerationalWealth
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    23 min
  • 22: Ep 022 : Moving Abroad or Returning to India? Here’s How NRIs Can Plan Their Finances Right

    22: Ep 022 : Moving Abroad or Returning to India? Here’s How NRIs Can Plan Their Finances Right
    Jul 25 2025
    Whether you're an NRI charting your path abroad or planning a return to India, your financial landscape is anything but one-size-fits-all. In this expert-led Q&A, Lovaii Navlakhi and Sneha Jaggar from IMMPL break down the 10 most common financial questions NRIs face—from mutual funds and Indian stock investments to retirement planning and tax compliance across borders.
    This episode will help you:
    • Navigate NRI taxation rules
    • Align global and Indian investments
    • Plan for retirement across jurisdictions
    • Understand FEMA and RBI regulations
    • Ensure asset continuity between countries
    Brief About the Episode:
    Cross-border living brings financial complexity. This episode is your essential guide to making smarter, compliant, and goal-aligned financial decisions—whether you’re heading overseas or coming back home. Learn how to take a holistic view of your wealth, stay ahead of regulatory changes, and plan confidently for your future in both worlds.

    Hashtags:
    #NRIFinance #ReturningToIndia #FinancialPlanning #CrossBorderFinance #NRIInvestments #WealthPlanning #GlobalFinance #NRIRetirement #TaxPlanning #IMMPL #LovaiiNavlakhi #SnehaJaggar
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    27 min
  • 21: Ep 021 : From First Pay check to First Portfolio : New financial Inning

    21: Ep 021 : From First Pay check to First Portfolio : New financial Inning
    Jul 11 2025
    What To Do With Your First Salary?
    Just started earning? Your first paycheck can be exciting — and overwhelming. In this episode, we break down what really happens to your salary, how to build smart financial habits early, and why the decisions you make now can shape your financial future.

    Whether you're in your first job or just beginning to manage your money, this episode is your starting point for long-term financial confidence.

    Why is my in-hand salary so much less than my CTC?

    • Understand the difference between CTC and take-home pay
    • Breakdown of EPF, TDS, professional tax, and other deductions
    • Learn how to read and interpret your payslip
    How much of my salary should I save or invest each month?

    • The 50/30/20 rule explained with practical examples
    • Realistic alternatives based on your lifestyle and goals
    • Building a habit of consistent saving and investing
    Should I keep my money in a savings account or start investing?

    • When to use savings accounts, FDs, or start SIPs
    • How to begin investing with small amounts
    • Why time matters more than the amount when it comes to investing
    How do I know the difference between good spending and wasting money?

    • Understanding needs vs. wants
    • Using simple tools to track spending and cut unnecessary expenses
    • How to spend without guilt — but with intention
    What’s the best way to build a good credit score early?

    • Smart use of credit cards to build credit, not debt
    • Dos and don’ts for loans and repayments
    • Habits that help maintain a strong credit profile
    What does financial freedom really mean, and how do I work toward it in my 20s?

    • It’s about choices — not just money
    • Setting real goals: travel, home, business, or early retirement
    • Laying the foundation now for a future you’ll thank yourself for
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    28 min
  • 20: Ep 020 : Global Planning: Navigating Money Without Borders

    20: Ep 020 : Global Planning: Navigating Money Without Borders
    Jun 19 2025
    Moving across countries? Your money needs a passport too.
    In Episode 20, Lovaii Navlakhi and Khushboo Aggarwal break down the essentials of Cross-Border Financial Planning — perfect for NRIs, returning Indians, or anyone whose life spans across geographies.
    From managing taxes in multiple countries, handling social security, to planning for retirement or inheritance across borders — we simplify the complexities of global wealth management.
    In this episode, we explore:
    ✅ What is Cross-Border Financial Planning
    ✅ The cost of not planning before relocating
    ✅ Social security, education & retirement planning for global citizens
    ✅ Inheritance laws and tax traps to avoid
    ✅ Real mistakes people make when managing money across countries
    Whether you're moving out, moving back, or just planning smart — this one's for you.

    #GlobalFinancialPlanning #NRIWealth #CrossBorderMoney #FinancialPlanningPodcast #MoneyWithoutBorders #LovaiiNavlakhi #GlobalGoals #WealthAcrossBorders #InheritancePlanning #NRIAdvice #PodcastIndia #immpl #wealthmanagement
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    21 min
  • 19: Ep 019 : Financial Footprints: Stories That Shape Financial Futures

    19: Ep 019 : Financial Footprints: Stories That Shape Financial Futures
    Jun 3 2025
    In this insightful episode, we explore how personal experiences, relationships, and shifting priorities shape financial decisions. Lovaii Navlakhi and Khushboo Aggarwal share real-life stories and reflections that highlight the human side of financial planning—from missed goals to meaningful breakthroughs.
    Episode Snapshot & Key Highlights:
    • How clients’ financial behaviour is influenced by their upbringing and personal experiences.
    • Common differences in financial expectations between partners—and how to bridge them.
    • The importance of involving both partners in financial planning.
    • Moments of discovery between couples that reshaped their financial conversations.
    • The impact of assumptions like life expectancy and inflation on planning outcomes.
    • Often-overlooked goals and how advisors help bring them to light.
    • Helping clients manage competing responsibilities and make difficult decisions with clarity—such as when to say “no” to children.
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    27 min
  • 18: Ep 018 : When Life Changes Over Night: Finding Financial Stability

    18: Ep 018 : When Life Changes Over Night: Finding Financial Stability
    May 12 2025
    In this episode, we delve into the real-life story of a woman who suddenly lost her spouse and was left to face emotional and financial uncertainty. Through her journey, we uncover the importance of thoughtful financial planning during life transitions and how a CeFT® professional helped her move from confusion to clarity.

    Episode Snapshot
    After the sudden loss of her spouse, a woman is faced with unexpected financial chaos. This episode explores how a CeFT® (Certified Financial Transitionist®) helped her navigate grief, avoid common mistakes, and regain financial stability — showing how the right guidance can bring clarity in life’s most difficult moments.

    Key Highlights
    • Emotional events heavily influence financial decisions
    • The role of a CeFT® in balancing emotions and money
    • “Decision-free zones” help reduce mistakes during crisis
    • Structured planning turns uncertainty into clarity
    Takeaways
    • Don’t rush major decisions during emotional upheaval
    • Financial transitions require both empathy and expertise
    • The right support can transform chaos into control
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    28 min
  • 17: Ep 017 : Navigating Major Life Changes – The Role of Financial Transition Planning

    17: Ep 017 : Navigating Major Life Changes – The Role of Financial Transition Planning
    Apr 28 2025
    Overview:
    Significant life changes like inheritance, retirement, sudden loss of a loved one, or divorce can deeply impact your financial world. In this episode, we unpack the emotional and practical sides of money management during such transitions. We also highlight the unique role a Certified Financial Transitionist® (CeFT®) plays in helping you build stability and clarity during these critical times.

    Episode Snapshot

    • Introduction to Financial Transition Planning
    • Emotional impact of life transitions on financial decisions
    • Common mistakes people make during major life events
    • How a CeFT® professional can balance emotions and money decisions
    • Real-life scenarios and tips to regain financial control
    • Steps to build a resilient financial transition plan
    Key Highlights

    • Financial planning is as much about emotions as it is about numbers.
    • Major life changes require structured financial decision-making.
    • CeFT® experts guide clients by blending emotional intelligence with financial expertise.
    • “Decision-Free Zones” after big events help prevent costly mistakes.
    • Transition planning ensures you move forward with clarity, not chaos.
    Takeaways

    • Understand the connection between life events and financial vulnerability.
    • Build emotional resilience into your financial plans.
    • Know when professional guidance is critical.
    • Prepare your financial transition strategy in advance.
    • Achieve long-term financial security, even during major disruptions.
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    21 min