Dream Big : Let Your Financial Plan Make Your Dream Come True

by Mukesh Jindal

Thirty six year old Vaibhav, the ever-smiling symbol of new age Indians, started his career as a driver. Today, he is the owner of a flourishing taxi service business and is scouting around to buy a Mercedes Benz…not on a loan but with the wealth he has amassed over the years!
How did he get from being a driver to a millionaire? Three simple secrets - he had the courage to dream big, learn about financial planning and implement what he learnt.
Now, while you don't need anyone to help you to dream big, here is a book that will teach you everything that Vaibhav learnt. All you have to do is find the tenacity to implement it.
Everything, from the importance of saving and investing and the need for life and health insurance to various investment products like mutual funds, SIP, PPF etc. that can enable you to build wealth, is explained in this book in simple and jargon free language. It helps you to choose instruments that are most suitable for you and explains why you would be better off without others.
Dream Big simplifies and breaks down common financial planning principles such as risk profiling, asset allocation, portfolio construction, rebalancing etc.
and explains the tax implications of various investment decisions. It also contains sections on planning for retirement and a legacy, and financial planning for women, divorced individuals, defence employees, senior citizens, etc.
In a nutshell, the authors, Dr. Mukesh Jindal & Mr. Arunraj VS, have put together a modern day compendium on personal finance that provides appropriate knowledge and wisdom to anyone who dares to dream big. With this book, like Vaibhav, you too can get into the driver's seat of your financial life and ride the road to riches.

Genres: Finance, Nonfiction, Money, Self Help

232 pages, Kindle Edition

Published September 10, 2017

Reviews

[Kajal Dhamija · Rating 4 out of 5]

Are you new to the world of investments? This is exactly the book to begin with!

The issue with the people is their lack of knowledge of what to do with their wealth. One can earn a lot of money, yet it is sometimes just not enough. This is where one requires the basic financial knowledge to manage their personal finances.

Believe it or not, it is important to have money. And once a person has money, he needs to take care of the money. And taking care DOES NOT mean keeping the cash safe at a place. It means how to invest money at the right place for a number of reasons, important ones including fighting inflation, earning capital gains, safeguarding your future, etc. This book teaches you the basics to this process.

What I liked most about this book is how detailed yet simple it is. I mean, it can covered nearly everything that one needs to know about investment. Firstly, it has been explained very simply about why should investment be done. And the authors convince you of its vitality. Then, various aspects of investment like mutual funds, bank deposit, insurance, financial planning and legacy planning has been discussed. Also, all people, according to their requirements can be benefitted by this book as investment planning for children's education, retirement planning, planning for women, for the divorced and investment for senior citizens has been covered in the book as well the approaches explained here are practical as well as easy to understand.

Just like life, financial requirements of people are very subjective. But once you have the basic knowledge of managing finances, you can mould your resources into the right direction. For that, DREAM BIG is a great start.

This book uses a very simple language. Precisely that is why this book is great for novices. It lays forward all the options and paths available to the path of financial enlightenment. Then, the person can choose the path most suiting to his needs. The clarity with which all the concepts are explained makes you feel like you are on the path of financial enlightenment already.

The knowledge this book has provided me has been priceless. I'd recommend this book to everyone who wants to begin investing and managing his money in the right manner but is very confused about where to begin.

This book is not everything, but a great start which will automatically lead you to greater destinations!

[Harshita Gupta · Rating 4 out of 5]

You should definitely pick this book if you’re looking out for the why and how of financial planning especially in equity funds and mutual funds.
The book is informative and will guide you to the pros and cons of the investing. It is useful for the incipient investor who is on the lookout for funding possibilities.
Read full review here: https://themystiquebooks.wordpress.co...

[Sankalpita (bookGeeks India) · Rating 4 out of 5]

Read the detailed review here - https://www.bookgeeks.in/dream-big-mu...

[Dipanshu Rawal · Rating 5 out of 5]

"Dream Big" is the Indian version of "Rich Dad, Poor Dad", with more detailed, specified, and simplified investment strategies. This book is co-authored by Dr. Mukesh Jindal and Arunraj VS.

Unlike "Rich Dad, Poor Dad", this book delves more into figures and numbers and exact strategies... which I loved so much.

“If you are born poor, it’s not your mistake. But if you die poor, it’s your mistake.”

~Bill Gates

Hence, we all need basic knowledge about money and investments, which obviously they don't teach us via Indian Education System. This book fulfils that purpose. 

The book is written in simple language and an easy-to-follow narration. I liked the way how this book starts with an inspirational story; that really makes a mindset of the reader for the rest of the book.

In short, the book covers up all the basic investment strategies ranging from Mutual Funds to fixed deposits, and Insurance to overall financial planning. 


Best part? You don't need to be a commerce student to understand this book. It's written especially for the beginners. 

My Recommendation? It's a must-read for everyone. Go for it!


Under basic financial intelligence, apart from "Dream Big", I'll have two more recommendations- 

"Rich Dad, Poor Dad" by Robert T. Kiyosaki
"4-hour work week" by Tim Ferris
Happy Reading!

Thank you!

Dipanshu Rawal.

Here's my complete review of this book-
https://www.dipanshurawal.com/dream-b...

[Chetana Thakur Chakraborty · Rating 4 out of 5]

'Dream Big' is an exceptionally well-written self-help book. The book explains in details all the fundamentals of investment and how a person can easily save money. The most complicated topics which people find puzzling to interpret and comprehend are very skillfully described with straight-forward and easy explanations.

It is indeed a true fact that our country India lacks financial literacy. Most people are unaware of the fields of health insurance, life insurance and wealth generation. The book covers up almost each and every topic under financial planning. The myths regarding Mutual Funds investments are busted and the actual facts are also well elucidated.

The fact that financial planning should be regarded as an element of utmost importance for leading an untroubled life is clearly indicated.

The biggest plus-point of the book is its simplicity in dealing complex matters.The authors, through their book, have beautifully explained various difficult topics like Mutual Funds, Equity Funds, Debt Funds, Insurance Policies, diverse Investment Options that are available, and Legacy Planning. These topics are dealt with such ease in the book and written in such lucid language that the reader will effortlessly be able to comprehend each one.

Topics such as the problems of the Indian economy that can have an adverse effect on its population like inflation are also dealt with in the book. After reading this book, the reader will have a clear idea of finance and how to tackle personal finances judiciously.

The book will definitely be able to strike the chords with the mentality of today's youth.The subject of the increase in the use of plastic money among the modern generation and its result is clearly emphasised and elucidated.

Altogether, 'Dream Big' is a must-read for anyone who wants to understand financial planning and plans to save and invest money wisely.

[Readers Cosmos · Rating 5 out of 5]

Overall the book is a must for novices to understand financial planning from the beginning. This book will certainly broaden your perspective with knowledge of variety of options, especially the mutual fund sector which the author sort of has a bias (equipped with statistical data certainly) for. It will help you make better and more informed choices when you next talk to your bank or your asset manager, helping you protect and grow your hard earned money, a dream of every individual.

For a detailed review log on to: my link text

[Shelly Bajwa · Rating 5 out of 5]

Dr. Mukesh Jindal is a renowned adviser who takes you through the basics of financial investment by walking you through the risky yet obscure topics such as mutual funds, insurance, legacy planning etc. While a commerce background individual is more likely to know such basics, it is very evident from the lack of investment portfolios, the hesitancy of others to ask and know about such topics. People who don’t know usually depend on the company’s own advisors to teach them and guide them. While it is a great thing, the lack of complete knowledge and strategy means either half informed decisions or bad strategies until they learn through experience. This book aims to show everyone that financial investment is not an obscure or a dangerous route to grow rich through the exact same thing that is responsible for bad planning: understanding it.
Financial education is a lost concept in our country where only people who either are from that stream or are passionate about it pursue and are endowed with. The frightening aura of dangerous and risky, especially money is a phenomenon that does a lot to keep potential investors away. This is why, Dr. Jindal believes that if an individual is given the right tools and techniques then he can easily apply them to work smart and get richer. The simple goal of the book is to help people realise that it isn’t always the harder, tenous road to increasing your wealth and it can be done the smarter, easier way through clear financial investment.
Mutual Funds : the investment instrument which pools money to buy and invest in securities. This is done either through SIP or Systematic Investment Planning or Lump Sum. SIP means investing small amounts of money over a long period of time which gives you control over how much one wants to put in and risk. Lump Sum investment on the other hand is a one off investment with little to no changes during the period of the portfolio.
The book goes into great detail about the different types of mutual funds, their benefits and yields for the reader to know and decide which one would suit him best. Not only does he make sure the language is simple and unpretentious, the concepts are explained through examples and diagrams to further aid in the understanding. What I absolutely loved about this one is that while it makes sure you get all the concepts and fundamentals right and your wealth increases in real time, legacy planning is done to ensure that your wealth is safe even after you have left the world.
It explains the importance of writing a will and ensuring that your family’s future is safe from contingencies even after your death. While it is a topic not everyone is comfortable in choosing and debating, it is one of the most required tools of today’s world.
Legacy planning: it’s a financial planning that helps a person bequeath his assets and wealth to the rightful heir(s).
In an conservative country like ours, division and allocation of assets is seen as a derogatory action, done only when absolutely necessary lest it cut down family ties. It shows the importance of a voluntary will and the shortfalls of not doing it. It also explains the concept of a Private Trust and the reasons of choosing it over a will. All in all, it is a book that is not only important but also, indispensable if you are looking to gain knowledge about financial planning during and after your lifetime.
While I am already someone well aware of the topics covered and have invested my time to learn about financial planning early on, this book will remain my go to guide if I am ever in the need of some help with the same. I love the way something that obscure has been tackled, explained and simplified so that our youth, with their immense passion, potential and reason can finally take a smarter route towards wealth and riches instead of looking down upon the same. Needless to say, it is a 5 star read. I would recommend it to anyone and everyone, because even if you are not going to invest anytime soon, it would be a great tool to help you as well as other around you.

[Aryan Sarath · Rating 5 out of 5]

When I purchased this book, I never knew that I would be taken onto a journey of my lifetime with regards to money & investments. When I say money, it is a real wider aspect since anything and everything can be done with the help of the money these days. While we all work hard to earn, there are lot of aspects that goes into saving.



I wouldn't say I am a "Saving Wizard" but atleast I thought that I am one until I started reading this book. This isn't a MAGIC but when you finish reading it, you would surely become a Magician where you would know as to how to control your finances - especially with regards to the outflow.



Firstly, I liked the quality of the book which is hardbound and the paper quality was equally good. This has been complemented with the Red & White coloring scheme which looked appealing to me. To top it up, the book also features some cool pictographs that adds more value to the content.



The book in itself is real vast but has broken down the complexities of finances into smaller areas/parameters. We would be seeing a lot of people talking about inflation but they are the ones who may not necessarily be knowing a to how to beat it because if they did, they wouldn't be cribbing about it. The value of compounding growth and to ascertain the future value of the money has been clearly explained.



Then comes the darling of the investors - Mutual Funds and Equity Funds. Many are averse to this and we always have the notion that these are risky. While the latter is true to some extent, authors have described it beautifully as to how SIP could work wonders for the investors and they have also busted the myths with regards to MF's.



Then comes the Equity Funds where you would get to know more about ELSS, Sector and Thematic Funds and how Equity Funds fare better compared with Real Estate. The book doesn't end here but it goes deep into these by giving information on Debt Funds, Types of Debt Funds and how they are better compared to FD's.



How many of us are aware about Dynamic Asset Allocation?



Do you know the difference between Balanced Funds and Monthly Income Plans?



Do you know about NAV and how to read Mutual Fund Offer documents?



The answer to all the questions raised above lies in the book.



If you think you are done, you need to relax a bit because we completed only half of the vast subject(at least in this book).



You get to know more in detail about Insurance, Types of Insurance, comparison between ULIP and Endowment Policy, Health & Term Insurance to name a few.



Other investment options like PPF, NPS, NSC has also been discussed in this book.



The key investment strategies like risk profiling, asset allocation, portfolio review and re-balancing, tax implication on investments(subject to change every year) along with Financial Planning were given in great detail in this book.



To put it simply, you don't have to seek the help of a wealth advisor or a professional but to some extent you can do it on your own when it comes to investment but the authors also in the end has talked about the importance of having a Certified Financial Advisor(CFA). The book is a treasure trove and shouldn't be missed.

[Mihika Sawant · Rating 4 out of 5]

So How many of you out there can say they have a sound knowledge of Personal Finance and have taken appropriate steps to secure their Financial Future? Since our childhood, we have been taught to study inorder to earn good money to secure our present and future. But how to take care of the Hard earned money is still something which most of us struggle with and lacking in the masses.

Majority of us Indians are sticking to traditional financial instruments like FD/ RD/ PF and most of the new generation is hardly interested in long term investment solutions. Most of us shy away from the equity market due to lack of awareness and the risk associated with investing in the market. Even in the age of Internet and social media, it is very difficult to find basic and accurate information so that we can make an informed decision.

Today we have Financial Planners available at our discretion who can take care of our money very easily. But it is very important for an investor to atleast have awareness of the Basics of investing in an Equity market. This book takes care of this aspect of Personal finance whereby helping an investor understand basics and take calculated risk in order to grow his hard earned money.

Book starts with Normal topics like Why investment is important? What is inflation and how to fight it? It explains with examples why Equity based investments are Best in fighting inflation and why the importance of Mutual Funds in a persons Financial Portfolio. There is a entire section explaining what exactly is Mutual fund, Types of Mutual funds and which fund should be used for which financial goal. I particularly liked the chapter which listed out Common mistakes done by us as New investors as well as Myths around Equity instruments. Book also addresses a Big Question which I personally have struggled with and i.e. managing a portfolio and exactly how many MFs should one have in his kitty. It also lists out what factor should be considered while selecting a MF, how to read the MF offer documents which is something any common man struggles with today.

A whole chapter is dedicated to Insurance and its role in Personal Finance and why it should not be mixed with investment. Book also briefly covers few other Investment schemes like NPS/ PPF/ NSC/ Bonds and how much percentage should be allocated to these in one’s portfolio.

Most important section according to me is the one which lists how to Plan for Retirement/ Children’s education. It also gives a good advise on how Woman/ Defense personnel/ Senior citizens should plan their finances. Importance of consulting a Certified Financial Planner is briefed as they plays an important role in helping one achieve their Goals. Last but not the least, its sums up the book with importance of creating a will for every individual (even though you might not be a Business Tycoon)

Overall, this is a must read Personal Finance book for every Indian after Rich Dad Poor Dad, to make them take calculated risk and make their hard earned money work to generate more.

PS: I would have loved if there would have been a section addressing common Money terms used by most Financial experts like Bullish/ Bearish Market etc.

[Neelam Mungekar · Rating 5 out of 5]

“Dream Big” is a self help book for people who are new and for people who are hesitant in investing in mutual funds. The book highlights the importance of financial planning and the advantages of investing early. Its gives us the details of various types of mutual funds and tells us how myths are created by people about mutual funds. The author goes ahead and shows us with examples how the myths created are wrong and that mutual fund is of each and everybody who is willing to make an entry in the mutual funds world can do so with a minimum corpus of Rs. 500. The author has even highlighted the problems with today’s youth how they live in the moment with credit card along their side and how they end up in the vicious circle of credit cards and their billing cycle. The author has not only shown us the problems but also gives us the alternate if the youth is careful with their spending habits and also gives us the perspective of with savings and without savings for the future.

The author has further explained the future value of the current amount in hand and inflation. The author has given examples to make a point to the readers and explained how keeping money in the bank is not sufficient as the returns that a person gets from savings account is not sufficient to beat the current rate of inflation and how taking a little risk and investing in mutual funds can help you to get higher returns and in turn somehow beat the current rate of inflation as the value of money keeps on changing. The author also explains that if a person has to keep his current lifestyle it is very important for him to save his money intelligently and in a scheme/plan which will yield him higher rate of interest.

The book not only emphasizes on mutual fund but also enlightens the reader about insurance, financial planning, legacy planning. The book is written in a very simple language which makes it a perfect read for novices. It lays forward all the options available to the investor hence enabling the investor to choose the right plan according to his needs.

I would refer this book to everybody who is looking forward to save some of his hard earned money and is totally new to mutual funds and other options available in the market and also to somebody who is already investing but doesn’t have detailed knowledge about how the financial market works.

[Aparna Prabhu · Rating 4 out of 5]

Thoughts

It is indeed a true fact that our country India lacks financial literacy. Most people are unaware of the fields of health insurance, life insurance, mutual funds, equity funds and wealth generation.

Review and Rating

The narration in the book begins with the story of the author's taxi driver who diligently followed his master's advice and is now the owner of a taxi chain.

The book goes into great detail about the different types of mutual funds, their benefits and yields for the reader to know and decide which one would suit him best. It also guides the readers on how to access the risk involved in mutual funds by thoroughly reading the documents.The language is simple and the concepts are explained through examples and diagrams for better understanding.The chapters are short and to the point giving the gist of several areas like investment planning for child education. Nonetheless, the mini chapters brush upon areas like divorce cases, legacy planning etc. The importance of contingency fund and proper investment plan are emphasised. Tax is one of the concerns for every individual and the chapter discussing tax implications on investment is the chapter everyone should be focussing on.

It is ideal for beginners or youngsters who are entering into 20s to provide the much needed financial literacy. The information available in the internet is cluttered and it is often very difficult to segregate the right information. This book proves to be very handy in clearing the vague thoughts with regard to financial planning. Consulting a Certified Financial Planner plays an important role in helping one achieve their Goals. Last but not the least, its sums up the book with importance of creating a will for every individual.

Personally the book was an eye-opener of all sorts. I will recommend this book to everyone.

Rating: 4/5

[Kinjal Parekh · Rating 4 out of 5]

This book is the beginner’s guide for a person wanting to put his/her money in a place where they can grow and multiply themselves for the future.

The book starts with a detailed explanation of why one needs to save and invest money explaining the impact of the rising inflation in our country. Elaborating on the same, the future money concept is touched in detail followed by what is Mutual Fund and how it works to optimize wealth creation. By the end of the book, the reader will not only have a knowledge about Mutual Funds or Debt Funds but also of how Financial Planning is done. The book also has shown a comparison between ULIP and Endowment Policy which for me, personally, have helped me a lot to understand the differences.

This book is perfect for a person who is wanting to learn and understand more about Indian Investment Market and wants to save money for better. I am very much impressed the way authors have highlighted all the points for each sub heading making it very easy for a layman to understand.

There are terms which are complex to understand but as I said, this book helped me a lot to understand them in a very simple manner without complicating it. Every concept is explained with easy examples and calculations.

Also, topics like Asset Allocation, Legacy Planning, various types of Insurances and other many Investment options are touched in a brief yet precise way.

The books served me even in the areas where I had minimal or in fact no knowledge about the topic. So, students/graduates from background other than Commerce i.e. from Science or Arts field want to know more about Investment, Mutual Funds, Equity and many many other types of such, this will be a friendly book for you.

Overall, this book is perfect for people who have no clue about this topic or have minimal knowledge on the same. I found this book a bit academic and flawless.

[Sarmistha · Rating 4 out of 5]

In the current scenario of increasing inflation, financial education for wealth creation has become a necessity. Vaibhav started his career as a driver and soon established his own taxi service business by dedicatedly following certain key aspects of financial planning and applying them religiously.

A person hailing from any economic background with his priorities set right and aptitude for risk taking aimed with basic financial knowledge can invest in the various financial avenues through a proper SIP and derive desired returns.The author has explained the fine details of investment avenues,insurance, financial and legacy planning in layman's language using examples and bar diagrams.

First and foremost step towards wealth creation is determining realistic financial goals.It's important to start financial planning at an early age to attain long term goals. The writer has briefly discussed about the various instruments like mutual fund, equity, debt fund, bonds, risk involved and investment strategies.He has compared them and highlighted their pros and cons making it easy to select based on a person's preference.These instruments play a crucial role in saving tax and beating inflation.The different financial planning for women, defence employees, senior citizens, divorced and retired person are well explained.

The book has enriched my financial knowledge.Now I can comprehend the meaning of bonds, NAV, NSC, asset allocation, equity and others which was way beyond the perimeter of my understanding.Investment avenues always interested me but now I have realised their importance too.

The author has been biased towards some financial instruments as compared to others.Although the topics have been explained with examples but I feel the need of incorporation of case studies which would had made the picture more clearer.

[Nicolas Aug · Rating 5 out of 5]

Good Read for investment

[Abha Agarwal · Rating 5 out of 5]

Easy language and concepts explained in simple way

[Pankaj Kumar · Rating 5 out of 5]

Good to see the book. Have heard a lot about the author Dr. Mukesh Jindal. Looking forward to read this book.

[Alpesh Singh · Rating 5 out of 5]

Have ordered the book. wanting to read and fulfill my dreams. hoping that book is good.

[That Book Nerd You Know · Rating 3 out of 5]

BOOK REVIEW: DREAM BIG BY DR. MUKESH JINDAL & ARUNRAJ VS

TITLE: DREAM BIG
AUTHOR: DR. MUKESH JINDAL AND ARUNRAJ VS
PAGES: 265
PUBLISHER: CNBC TV 18
ISBN 13: 978-938406164-7
GENRE: NON FICTION, FINANCIAL PLANNING

REVIEW IN A LINE:
Read it for we need to get our concepts right


THE REVIEW:
Hey there bookstagram fam,
I usually don’t take on non-fiction books because truth be told they drag in the vernacular. Many of them which focus on certain topics which need an undergrad degree to be understood take on high end words and terms that aren’t merely comprehensible. And moreover after a tiring day running around the hospital it usually isn’t possible for my brain to take on so much. But since I already had accepted the book I had to finish it.
This book wasn’t all that hellaluah big word-ish but that didn’t help it get to the top either.
Without compromising too much I’d like to paint a word picture of the book as much as I can.
It starts off with Dr. Mukesh Jindal (what he has a doctorate in I don’t know but I’ll look it up later) taking about his ex-driver. His then driver asks him how he can be rich? (question we all ask ourselves everyday). He goes on to ask whether a person with a mere income of 10000 per month as him can ever dream of being rich? Dr. Jindal tells him that each and everyone of us is entitled to an unlimited amount of money and to come early the next day and they’ll discuss this at length.
The book later transforms the story of this young driver into one who now runs a successful taxi business and is looking around to buy a high end car with cash, yes you heard me right, with cash that he has saved from his business. Sounds too good to be true? But it is. Maybe they’ll make a movie out of it. And all this because he listened to his emplyoer’s advice. And the author turns it into a book.
Mutual funds. Eh. Never really understood it all till I finished this book. I used to quietly excuse myself from any discussions involving such. My father being in general insuarance always would have long hour long conversations with his friends at parties about the same. Maybe now I’ll join them eh.
“Mutual funds investments and loans are subject to market risk. Please read the terms and conditions properly before investing” all of us have seen the ads and all of us have this line memorized. Don’t we? But still how many of us actually understand it's meaning? There has been an exponential increase in interest towards mutual funds in the past decade or some and this book is the answer to almost all the questions about it.

Dr Jindal gives an outline of our funds and the way to put them to use. He rather shrewdly analyses the fluctuating nature of our market whilst the face of inflation which of course can't be avoided.
Mutual funds, debt funds, equity funds all were alien terms for me and I'd excuse myself from all conversations involving such.

Obviously an individual from a commerce background is more apt to understand the basic concepts of investments but nonetheless it is an important part of financial education. Yes I agree the concept of financial education is very novice if not unlikely in a country like ours and Dr Jindals's book is a welcome breeze. He believes as is obviously true that an individual given the right information, knowledge and implementations can work smart and get prosperous. He rather shows the same in the anecdote of his ex driver.

Mutual funds is a way in which the entire money is pooled in to buy and then invest in. Either through SIP or Lump Sum.
Systemic investment planning means we decide how much me invest mostly in small amounts over an enlarged amount of time. That gives us control over expenses. Lump Sum on the other end of the spectrum is a on off investment where there are mostly no changes in the amount.
The author further goes into great detail about types of mutual funds, the cons and pros of each detailed with diagram and illustrations to help the reader make an informed decision. The author has taken a lot of time in explaining the fundamentals of every part.

Legacy planning: it is a type of financial planning which helps and individual leave behind his assets and wealth to the rightful heir(s). In a country like ours where the writing or even the thought of making a will is thought of as a way to disgrace the family or have a wedge in it Dr Jindal explains the various reasons why it is of utmost need. He explains the shortcomings of not doing it and how when done it gives an individual power on his assets.


This book was thankfully an escape from the usual technical jargon filled hardcovers you set an eye on in the non fiction section. They have targeted the right audience, the one that needs to be explained clearly what mutual funds are and where or how to use the knowledge. The modus operandi of it is to help us understand and how to make sales. Maybe a person much more qualified in this field like my father or someone might find it a little too kiddish. I found it as a go to guide for this.

Now if I were to have a go on the lacuna found in the book then the first and foremost thought would be of how the authors have portrayed the entire mutual funds as a queen of roses scenario while conveniently ignoring out the thorns whilst depicting a very meager picture of real estate which I was very appalled by. The reason being all of us have always thought of real estate has a very stable and convenient method of investment. How can ever a piece of land we bought reduce it's value? Well you'll have to read to understand the author's take on it and see if you agree or not.

The author has no doubt talked of several rare topics like investment planning of divorce cases, defence employees, investment planning for children's education, retirement planning, planning for women, for the divorced and investment for senior citizens but I felt the chapters on such were too short if not detailed.

Lastly, yes mutual funds are a good way to go about. Yes I totally agree on that. But they are one of the many ways, not the only. The author may come out as a bit biased towards MF but since he rightfully justified his bias I don't have any calms. I'm not saying don't read the book. In fact I'm screaming to each of you out there READ IT. YOU NO NO WE NEED TO HAVE OUR CONCEPTS CLEAR OF THE SAME.


Cover: 4/5
Title: 4/5
Language: 4/5
Writing and Presentation: 4/5
Sticking to the genre?: 4/5
Overall: 3/5

[Nandini Mozumdar · Rating 5 out of 5]

Dream Big by Mukesh Jindal & Arunraj VS can be your guide for financial planning. Apart from making every layman understand the importance of financial planning, it makes you believe that dreaming about big things and achieving them can be possible at the same time. The book focuses on every minute detail about financial planning. It provides us with a great deal of information that is needed to understand every aspect of financial planning. The book talks about different investment options, their pros and cons and helps you pick the best-suited option.I would recommend this book to all those who have just started their professional careers, to those who love self-help books and all the individuals who are earning and want to become rich by legal and ethical means.

[Uday Singh · Rating 4 out of 5]

The desire or actually, a dream that crosses everyone’s mind at some point in their lives irrespective of their nationality or their bank balances, is how that can manage and increase their money. And this book is one detailed analysis of just that.

Being a successful financial advisor and investor himself, the author Dr Jindal along with Arunraj VS, an entrepreneur, takes all the readers on an educational journey with this book sharing the risks with the best techniques for the ignored but regularly heard topics such as mutual funds.

The book welcomes the readers with the lessons of why and how can this book can be the base of their financial lives by telling us how it’s actual life-changing event when people choose to save money for their future. And in doing so, the author has made sure to use the most relevant of the quotes along with the professional elaborative examples. When I opened this book, I wasn’t ready to learn about the world and ideas I’ve never ever heard before but as I kept on reading the book came out as not just a normal read but an analysis, something from which you would love to take a lot of notes from and actually start using them right away.

Through the story of a driver, the author makes sure to get the readers inspired and pumped to think about themselves and their money. The books give us not only the basics of why and what you should do to save money but also connects each of the aspect covering even the challenges that we may face due to economic changes along with the time. The lessons, as I will call them, are backed with precise examples and illustrations of all kinds to not only help us understand better but also to make us going on.

And being honest, the process of investment and money making or managing is no laughing gig and involves some complex and risky methods that we might have to learn and about the same thing we may also get a lot of false opinions and we may also miss some hidden important bits of details. But with this book, we get almost all of them covered with detailed efforts, from working and risks to even the false alarms about such topics are raised in this book and that too without throwing any of your motivation to learn away.

Money related training is a lost idea in our nation where just individuals who either are from that stream or are enthusiastic about it sought after and are enriched with. The unnerving quality of unsafe and hazardous, particularly cash is a marvel that completes a ton to ward off potential financial specialists. This is the reason, Dr Jindal trusts that if an individual is given the correct apparatuses and procedures then he can without much of a stretch apply them to work savvy and get more extravagant. The straightforward objective of the book is to enable individuals to understand that it isn’t generally the harder, tenous street to expanding your riches and it should be possible the more astute, simpler path through clear budgetary speculation.

What I loved the most was how in every chapter the author is backing up the information he shares with the perfect amount of real-life googlable examples and facts. The book but not only records what has already happened in the financial world and the changes it has already seen but also tries to prepare the readers for the changes that may follow by breaking some myths and notions that we need to let go. You will get to know the types of not only funds, investments, their sub-types but even the types of investors and which one is going to suit you too.

With so many aspects going on in the book about the types, history and details about mutual funds and related investments, one may think that it is just about them, but it actually is a lot more.

Yes, it is about investment and planning of our money but it involves all the other opportunities and plans that we might otherwise ignore in it too like did you know that people think of insurance as investments and that they shouldn’t. The book holds a lot of things that you are going to need in the present and even the furthest of your future. The author, just like it is on the beautiful cover itself, has tried to cover almost every aspect of your life which can involve money and which will need financial planning, from your children’s studies to your satisfying final days, and beyond. And as the name goes, the book helps you dream as big as you want to with money being the last of an obstacle.

There is so much in it this book which no single post can ever cover but surely this is one of those books which deserve a fixed place in every house’s shelf to be read again and again. Not at all like alternate books on economy, the book utilizes a vernacular dialect as opposed to packing the brains of the perusers with inconceivable specialized terms. The book is a manual for our assets, costs and funds; how one can be a superior speculator and organizer to gain and make their money-related development impactful. Before perusing the book, I was not familiar well with any of the terms, for example, value, heritage arranging, and shared assets. In any case, now the book has guided me well and I can guarantee myself for making any interest sooner rather than later.

So, do you want a good financial life which will still be profitable even with the changing times? This is the book you need.

[Prachiti Talathi Gandhi · Rating 5 out of 5]

I just finished reading ‘Dream Big’ written by Mukesh Jindal and Arunraj VS on the subject of investment. The blurb of the book sounded like a self-help book about investment in Indian Market. I started to read and it surprised me because there are no financial jargons thrown at me. The book is written in a simple language. The main focus of the book is to provide a step by step guide for investments.

If you save money today it will save you tomorrow. How to save money is a critical question. In answer, Jindal quotes Warren Buffett’s equation Expenses = Income – Saving. I am sure most people do it the wrong way which is Saving = Income – Expenses. Jindal suggests starting saving and investing at an early age. To help readers he has also given some tips on how to save. This book aims at today’s youth who believes to live in a moment and worry little about the future. Credit cards and EMIs are spoiling our saving habits.

Once the saving is sorted then comes the part of making that money work for you means investing the money. This book debunks the common misconception about investments that it is only for people with high net worth. However, Jindal says, your earning capacity is directly proportional to your learning capacity. He gives an important tip here, always remember to beat the beast of inflation. Returns on your investments should be greater than the rate of inflation. This tip is important for everyone who has some future plans such as higher education, family vacation, a bigger house or even retirement. He has explained it with the help of small examples. He also gave the formula to calculate ‘Future Value’of money which will help to plan better. The earlier you start to save the better returns you will get, says Jindal.

The author raised a vital question about investing the surplus in fixed deposit or insurance policies. Are these really the best options for investments? The option of investing in Mutual Funds may give you better returns and help you beat the inflation. When I read mutual funds, many questions started popping in my head. What is a Mutual Fund? What are the types of the fund? Which funds to look for and when? Jindal has done a good job of answering all these questions without using heavy jargons. Most importantly he has also given key points to read the Mutual Fund offer document.

I understood the benefits of investment in Mutual Funds but the next question was how much money will I need to invest? Do I need to put in all money at once or can I have some monthly payment option? The author read my mind and had answers to all the questions ready. I was happy to know that I can invest a little every month and still get good returns.

You will ask me did he mentioned anything about the security on the funds? My answer is ‘yes’. There is a chapter on it which explains the regulatory framework again no legal jargons used. He also debunked some myths about the Mutual Fund investments. After reading all the types in detail, I was confident that I can choose the Mutual Fund which will benefit me. Now I know which points to read in the ‘Offer document’.

Jindal has dealt with another important topic in this book – Insurance. Conventionally, insurance is viewed as another investment option. He wrote a separate chapter on ‘Why insurance should not be used for investment.’ I absolutely agree with him. Let insurance do the job of insurance. For investments look for investment products. If you are not comfortable with mutual funds then he also suggested some other options such as PPF, NSC, National Pension Scheme, etc. While he was giving all these ideas he didn’t forget to give the warning to stay away from Exotic Products which always over promises and under delivers. Usually, these products promise unbelievable returns in short time. Do not trust them. This book has a small chapter explaining about the investment in Gold.

Every investor has a different goal. Someone may look for investments for children’s education, another may need to plan for the retirement. Jindal has given financial planning tips for all these categories. Even if you wish to focus on investments in the Global market, this book can be your guide.

It is important to pass on your wealth to your rightful successor. The author has even covered the topic of legacy planning. Will is a common way to pass on the legacy. However, this book has introduced an option of the private trust also.

Jindal’s vast experience in the field of investments and finance is clearly noticeable when he explains various concepts of investments. It sounds easy to understand for anyone who has no background in the finance or investments. Whatever you do but do not put all your eggs in one basket. Always diversify your investments for better results. Jindal does not stop by giving the investments options but he also educates readers about risk management, portfolio review and rebalancing of the portfolio.

This book is recommended for everyone who wants to learn about different types of investment options available, how to invest, how to minimize risk and how to stay safe from over promising investment schemes.

Let the money to work for us!

[Read.Dream.Repeat.Blogger · Rating 3 out of 5]

Dream Big- Let your Financial Plan make your Dreams come true.

Dr Mukesh Jindal and Arunraj VS.

CNBC TV18 Broadcast Ltd.

Genre - Non fiction. Financial Planning.

2017. Pp- 254.

"Financial literacy is the most important form of education."

About the book -

"Money does not discriminate; your ability to earn is proportional to your ability to learn and apply simple but effective steps for targeted investments"

This book is inspired by Vaibhav, a 36 year old symbol of the new age Indians, who just a few years ago was Dr Jindal's driver and now runs a successful and flourishing business himself. And aims to inspire a larger audience.

If Vaibhav can do that, so can you!

The book expands on a vast array of financial concerns around mutual funds and its kinds and offers a well-structured guide for layman use. From mutual funds to equity funds to debt funds to insurance and other key concerns in investments.

The authors also "endeavour to raise awareness and steer you clear of financial mistakes, pitfalls and investments that give you a raw deal."
The essential focus is on mutual fund investments, because they cost less and can give higher returns.

The book expands on a vast array of financial concerns around mutual funds and its kinds and offers a well-structured guide for layman use. And talks about financial decision makings and the consequences of these choices.

My take -

From a cover that catches your eye, content that empowers you and a presentation that keeps you on it, Dream Big is a financial guide for anyone and everyone.

I have never been into financial non-fiction, but this one came my way and actually turned out be a great help. For a person like me, who is absolutely unaware of these financial technicalities and planning and investment advancements, this book was GREAT help.
It might not offer a panacea for all your financial worries, but it's a good start nonetheless.

The biggest advantage of the book is that it has reduced technical jargon in understandable terms.
The authors have uncomplicated the financial jargons that might scare most of us to even think about getting to know them better (this goes at least for me) and have been quite successful at it, I would say. Dr Jindal and Mr Arunraj have made it much more comprehensible. And the use of diagrammatic visualisations helps you grasp the concepts better and retain them longer.

This might be an easy read for those with a commerce background, but not for those who haven't been exposed to it. Coming from which, is my next point on expertise.

Expertise is important, and that expertise can become an asset to provide for a basic and common understanding to people not specialised in the field but affected by it, nonetheless. This book is all about that. The myths and complexities around investment have been simplified for a larger audience and this is something we all should really appreciate and promote.

What I liked the most about this book was the section where the authors elaborate financial planning in its practicality - talking about retirement plans and investment plans for children, women, employers and even the divorced.
It brings out the application from theory and makes the readers feel that the authors are really contributing to their financial know hows. This is what helps the book better connect to it's population.

Dream Big brings at least some sort of financial clarity. But one still has to have a minimal insight of the concepts and their consequences.

All in all, Dream Big is an organized guide to wise investment.

I'll give it an overall 3 on 5.
This one adds value to my bookshelf

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[Amit Pamnani · Rating 5 out of 5]

First of all, this is not a book, this is a bible. A bible every man who wants to invest must read this. Read it once, read it twice, read it as many times as you can to master the business of investing.
The authors concentrate on the wealth creation part of investing. They give a detailed description of each and every investment opportunity available in India.
Be it Mutual funds, Stocks, Government Bonds, Pension schemes, Gold Investments, PPF etc, they have explained everything meticulously such that any new person who gets scared by seeing the words like Debts, Equity, GILT funds etc on business television, will now be able to decode each and every thing with a lot of ease and comfort.
The language used is very basic and simple. If while reading, one comes across some doubt or question in a mind, then on turning the page he will find that answer there itself. They have planned this book in a very detailed and perfect manner.
The book motivates the reader to start investing right now and it guides him where to invest. The author provides examples everywhere possible and he describes the story of a driver Vaibhav who by disciplined investment fulfilled his dreams of buying a Mercedes.
The book involves various sections, the first section describes the reason to read the book, as to why there is a need to save money and how do we do it by investing in proper channels.
The next section starts with the types of investment one can do. For example, they explain how Mutual funds are a treasure trove for an investor and if done rightly, he can earn more money than anywhere else he might invest.
The author further analyses the funds in details as to what are equity funds, what are debt funds, and how an individual should decide as to where to park his funds depending on his age and his goals.
They also explain how to read a mutual fund offer document, what NAV is, how to assess risks involved, and how to avoid common mistakes while investing.
The other sections include various other types of investments like insurance and how they should be treated as a thing to safeguard and not for wealth creation. They give a brief on investment strategies, financial planning when you are close to retirement or even retired and in the end how to deal with all the wealth accumulated when you are in the last phase of your life, that is how important it is to make a will and be relieved of any disputes that might arise after one dies.
Overall, a super book, it’s a total keeper; it’s an asset to any individual, a perfect gift to any person who is serious about investing and wants to create wealth for his future.
There are no doubts that this book has to be rated 5/5.

[Shreya Chauhan · Rating 5 out of 5]

I was never a person who was interested in the world of finance. Money making is obviously a desire but it seemed exclusive to money management and investment. The whole idea changed when I came across this book by Dr. Mukesh Jindal. He is a CFA Charter holder and Ph.D. in Finance who has been recognized as a Leading Global Financial Advisor by City Wealth, London.

In his book Dream Big, Dr. Mukesh Jindal with the help of the example of his former car driver, Vaibhav, charts out various ways in which people can get rich. This book can prove to be the Bible for people who are novices in the world of financial planning. Dr. Mukesh believes that everyone has it in them to be rich and the entire book is a guideline to ‘how to climb up the financial ladder.’ “Financial literacy is the most important form of education” and the book aims at imparting that. He explores the corporate hierarchy system which discovers an investor to be at the top of the ladder. After suggesting the simplest ways in which people can save money and why credit cards aren’t the best mode of transaction, Dr. Jindal goes on to list investment options. The best place to invest money in, according to him is mutual funds. Very patiently, stepwise and in layman’s language, he takes the readers through various kinds of mutual funds, the risks in each, returns, best options according to the time of investment, ways to incur minimum tax- everything. He provides stats and examples to show numerically, exactly how much the growth in a particular sector is, and it just makes his argument in the favor of mutual funds more attractive and solid.

The early 20s seem like a time to focus on a career; we think that we will have enough time to invest. However, Dr. Jindal considers the youth to be the ideal time to start investing as it promises good returns in the prime of age. Dream Big, got me intrigued about the mutual funds and introduced me to the previously unknown world of making money, only by placing it in the right place. The book manages to fulfill the endeavor Dr. Jindal undertook- “to raise awareness and steer you clear of financial mistakes, pitfalls, and investments that give you a raw deal.”

Not only does it unveil the various possibilities of investments but can also help one to plan retirement. Like I stated earlier, for a person who is financially clueless, confused or a novice, this book can act as a guidance, a bible, a book to swear by. Highly recommended book for youngsters as they can garner basic financial knowledge which they can build upon according to their future financial needs.

Personally, it has given me a start.

[Rakhi · Rating 4 out of 5]

A taxi driver who owns a business which he successfully runs and finally manages to buy a luxury car which he buys without loans but ready cash- a scenario which seems right from a movie but suprisingly it is not fiction but reality. Author Mukesh Jindal observes how his ex-driver takes his advice wisely and makes use of it to see a growth, which, the author himself could not fathom.


There has been a boom in the mutual fund investments in the past decade, which, was at it peak since 2016. In this scenario, the book makes itself relevant to the masses. For those who wonder why the whole hubbub about mutual funds, the book is the answer.


The book is a pointer to our resources and a guideline to our expenses and savings. Author analyses how the change in money value could be made use of and bypassed while investing. Inflation is the greatest threat to the economy and unfortunately, it is inevitable as well. For a person like me, who always used to take the backseat when it comes to discussions regarding investments. Mutual funds, equity funds and debt funds has been alien terms for me. But the book has cited the terms in a simple narrative that enables the laymen to take the right investing decisions.


Unlike the other books on economy, the book uses a vernacular language instead of cramming the brains of the readers with incomprehensible technical terms. This is the USP of the book. I won't be surprised if I see the book among the management textbooks or that of economy students. The book is clearly for novices. Hence the experts might be flustered if not approached in the right spirit. The book is more apt to the beginners as well as students.


Although the information shared in the book is educative to a great extend, the book somehow paints the whole mutual fund scheme in a bright light that the grey area are conveniently overlooked. Apart from that the conscious or accidental attempt to portray real estate as an inferior option intrigued me. Though real estate has high chances of a doom, so does other investment options, especially since we talk about long term investment. This part, however failed to convince me. The chapters are short and gives just a glimpse of several areas like investment planning for child education. Nonetheless, the mini chapters for the investment planning of defence employees, divorce cases, legacy planning etc and briefly touched. Eventhough a detailed account of these make the book unusually large, a little more indulgence into the same would have made the book complete.

[Avni Mittal · Rating 4 out of 5]

We are taught everything from mitochondria being the powerhouse of a cell to the complex problems of differentiation in school, things not actually used in real life, in my opinion. But what we are not taught are some of the basics for survival in this world once we get out. Financial planning is a topic which is never talked about in school, unless you opt for the particular subjects but financial education is something that every person should know about. It isn’t necessary to have a degree in the subjects, but the basis should be clear to everyone for better planning of the future. I, personally, had very less financial literacy before reading this book, and had the perception that things like mutual funds, debit funds, insurance and the kind are for old people but no! After reading this book I feel as if it’s a must for the young generation to know about these things and participate too, and that too for their own benefits.

I felt that this book was written in a very friendly manner and the intimidating topics were explained in very easy language for beginners like me. The author begins with telling about the importance of investments and some new concepts like inflation are elaborated, making the reader understand why investments are important to survive in this world.

After establishing the importance of investments in the readers mind, the author reveals the world of mutual funds, debt funds, insurance, equity funds, legacy planning and the like. The reader is able to understand these complex topics, thanks to the simple language used in the book, very well. These topics are broken down and explained in some detail, such a not to overwhelm the reader, but at the same time, understand that this is a serious topic of importance.

Many people go for expert help for managing their finances, but I felt that this book succeeds in giving a basic idea regarding various topics we might need to use at various stages in our financial life. This book has something for everyone. Since financial needs are relative from person to person, so is the respective financial planning.

If you’d like to get a basic idea about these topics then this book is for you. I’d recommend this book to you if you are a fresher int his field, or if you are a school or college student not having the subjects of finance or thinking about getting these subjects.

This book taught me a lot about how to invest our money in the right direction and I think I can say that buying this book will be an investment.

[Sharda Sharma · Rating 5 out of 5]

Dr. Mukesh Jindal and Mr. Anurag VS have written this book to impart financial wisdom to their readers, that they have earned with their own experience.

One very important teaching that the book gives us in the beginning itself is that you don't need a fortune to start investing; you can invest with what you have and move ahead with that.The story of Vaibhav is written down as an example that if you are goal-driven, you can achieve wealth creation. The book explains the various instruments which you can use to do the same.

It goes into details about mutual funds, equity funds, debt funds, insurance, along with their types. Other investment options such as National Pension Scheme, PPF, NSC, etc. are discussed as well.

After clearing the concepts on each investment, the book talks about the investment strategies an investor can utilize to allocate his assets, and rebalance his portfolio to align his investments with his goals.

The authors have deep delved into how our investments can also act as tax saving options, and what are the tax implications on various instruments.

They has also managed to write about the various myths circulating around the various investment types, and decoded them one by one.

Various financial planning options have been presented depending on the investor requirements such as retirement, children's education, defense employees, senior citizens etc.

This book was an eye-opener. Despite of knowing about some financial instruments, I was sceptical about most of them. This was stopping me from going ahead with them. It's well said that, "Half knowledge is a dangerous thing". This book gives a detailed knowledge of each instrument along with calculative examples (how monthly investments of Rs. X over Y period of years can result in Z returns) which made me understand them better.

The authors have refrained from using jargons and kept the language simple, thus allowing people to understand better.

Another thing that I liked is that the book provides information about even the basic of topics such as NAV (Net Asset Value), how to read mutual fund document, effect of inflation, how compound interest works during wealth creation and the future value of money. This proves beneficial to people who are novice to these concepts.

I found the book a little more diverted towards mutual funds in terms of more intensive information. However, justice has been done to each investment by giving sufficient details about them.

Will I recommend this book? Ohh absolutely. Go ahead. Learn and implement.

[Kiranmayi · Rating 5 out of 5]

The authors Dr Mukesh and Arunraj have put together their vast experience in finance consulting and entrepreneurship to bring forward this book which is a one-stop reference book for anyone new to investment. The book starts from explaining the importance of savings and investment going onto the major investment avenues that are available.

The next chapters explain in detail about Mutual Funds; types of funds — equity funds, debt funds, hybrid funds,and even a brief detail about investing in gold. In addition to the general info associated with Funds, the finer details on how to read the Mutual Fund documents, hidden costs, risks involved, are also included. The authors also compare how debt funds are better than fixed deposits and also tips on picking the best mutual funds.

The next part discusses about Insurances — types of insurances, other investment options like PPF, NPS. Next part is about different forms of planning for different sections of the society like post retirement planning, for senior citizens, women, for children’s education and finally on legacy planning.

There is a general notion that finance and investment education is complicated and not for the average person. This book breaks that stereotype by starting with the importance on why investment is mandatory for everyone and how it is not just for the rich but even for those with very humble earnings. Each investment option is explained in very simple and understandable language with ample formulas and illustrations. The suggestions are realistic and easy to adopt rather than trying to exaggerate or promise extreme results.

The authors maintain the perfect tone through out the book, while including right amount of info in each chapter, without making them too long. Even with detailed finance jargon, the book never gets overwhelming for a novice person. This book is a must have in every library, in every personal collection to be referred at multiple times in anyone’s life. Get your copy now and start investing even if you haven’t ever given a serious thought about it. Because by the end of the book, you will be motivated enough to start investing and Dreaming Big.

Full review on my blog:
https://medium.com/kiranmayi-g/book-r...

[Nidhi Srivastava · Rating 4 out of 5]

Everyone wishes to be rich. Though, a handful of us work to be rich. Yes, that’s the truth of life. There is a lot of cribbing about money, standard of living and work pressure. Well, there is a little less dedication, zeal and hard work involved in achieving those goals set in our minds. Even if you manage to earn and live a generous standard of life, there is a thin layer of investment made. This book is the ultimate guide for anyone who wishes to put their earnings in right place and earn profit from their investments. This piece of work would make you realize about the importance of financial literacy in everyone’s life. Financial literacy is the most important form of education.
There are 11 chapters in the book dedicated to financial learning. There is bit by bit explanation provided for the management of expenses and start with the process of investment for better tomorrow. Even though, the book sounds more about dreams, however it is about the pathway towards a successful life.
“Our first duty in life is not to be poor” – George Bernard Shaw
With the changing structure of the Indian finance system, it is very essential to be educated about the financial changes in the system. Indian economy has risen in the past few decades. However, there has been inflation in the economy. Inflation being a burgeoning reality has to be tackled wisely and the common man should be guided to deal with inflation. The book also discusses elaborately about mutual funds, debit funds, equity funds, insurance and financial planning. Here, you are going to learn about financial goals, long-term tax benefits and wealth creation. Mutual fund are described in the chapter is one of the sensible and smart way to help your money grow and realize your dreams. Every chapter has been briefed in bullet points and formula representation has been provided to explain the structure. Tax is one of the concerns for every individual and the chapter discussing tax implications on investment is the chapter everyone should be focussing on. It also guides the readers through the legal planning which helps in management of assets. However, I feel this book should have been written years ago when I started earning. I would have guided me better over the years. Every book comes with learning and by far, this one has imparted more knowledge than my financial agent would have ever provided.
I hope the readers enjoy reading this book as much as I did.

[Palvi Sharma · Rating 4 out of 5]

Dream Big: Let Your Financial Plan Make Your Dream Come True by Mukesh Jindal

Published by: TV18 Broadcast Ltd (CNBC TV18)

Format: Hardcover

Page Length: 265 pages

About the author: Dr Mukesh Jindal is Masters in Finance, CFA Charter and PhD from Delhi University with Vast Experience in Field of Investment and Finance.

An investment is an asset or item acquired with the goal of generating income or appreciation. In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the future to create wealth. In finance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or will later be sold at a higher price for a profit.

-Source Google

Book Cover and title: The book cover is subtle and appropriate as it should be like for a self-help investment book. However, the title is perfectly chosen and fit quite well with the book. Even on holding the book, one gets that feeling of going to the journey of self-learning and wisdom.

About the book: The book is about a taxi driver who was working with Mr Jindal and took his advice seriously and used them wisely for his financial growth.

In the year 2006, Vaibhav’s salary was just Rs.6000 when he started working with Mr Jindal. With his keen and will he started off his investment with Rs.1000. He made decisions wisely and never let his financial condition to be an obstacle in the way of is financial growth.

The book is divided into 12 chapters which enlighten the reader about Money, Mutual funds, Equity Funds, Debt Funds, Other types of Mutual Funds, Insurance, Education, Legacy planning, Financial Planning, Investment Strategies.

The book opens with a chapter about basic of finance and its planning. "Save me today and I will save you tomorrow." The writer talks about how youngsters spent their money ruthlessly without giving any second thought and often get piled up under the credit bills. Giving a few important tips about understanding your priorities and then spending on it. Creating a budget and using money wisely, credit card management etc. The writer has also written about how to deal with inflation and plan a future and given the pros and cons of investing while inflation by quoting suitable examples.

The book is a guide to our resources, expenses and savings; how one can be a better investor and planner to earn and make their financial growth impactful. Before reading the book, I was not acquainted well with any of the terms such as equity, legacy planning, and mutual funds. But now the book has guided me well and I can assure myself for making any investment in the near future.

There are chapters about customised and suitable investment plans for a different category of people, according to their interest, need and investment. There is a discussion about monthly income plan and balanced funds with mention of the benefits of respective plans. The book also talks about tax calculations on the customized plans of the different category. I wasn't surprised to come across a chapter solely dedicated to gold investment and types of gold investments.


The best thing about the book is language and narration. The language is lucid and common parlance. The book is written taking in consideration of layman which is one of the beauty and makes it a layman read. The technical terms mentioned in the book is explained well and with no use of incomprehensible terms. The book is must read for economic students, beginners as well as someone who is planning for investment.

Thoroughly the book is educative to a great extent and makes it risk-free and convenient to make an investment without any second thoughts. The main purpose of the book is to get people live out of the fear of investment.

Investment not only helps in the present also in the emergency needs and miss-happening of life.

I will recommend this book to everyone around, doesn’t matter if the person is interested in investing his wealth. The book is going to help them anyway.

This book review is a part of “The Readers Cosmos Book Review Program and Blog Tours, for details log on to thereaderscosmos.blogspot.in”