How can I plan for the future if I do not have enough resources today?
Create a budget. Find out how
much you actually spend each month. There are fixed costs, such as rent, loan
repayments, etc., which are present every month and we can not change anything
in this regard. Variable items, such as food, clothing and entertainment, are
often those we do not think of. The solution is to create a balance sheet and
control the inflows and outflows of your assets.
Why is the assessment of the need for insurance services necessary?
Assessing your needs for
insurance services is part of your personal financial planning. Insurance takes
care of your unpredictable needs, and as these needs can arise at any time,
insurance is extremely important. Investments take care of your foreseeable
needs and do their best to follow your unpredictable needs. Insurance has
changed considerably over the last few years, and there are also many new
products that are very flexible.
Do I have to personally meet a personal financial consultant?
It depends on what you need. We
can send you the complete questionnaire. Based on your answers we will be able
to prepare a customized personal finance plan specifically for you. If you need
more detailed information with a personal financial consultant, please call us
on +386 70 664 433, or write at info@harvest.si.
Can I make a personal finance plan myself?
Some personal finance packages,
magazines and self-help books can help you with your own financial planning.
However, you may decide to seek the assistance of a personal financial
consultant - expert if:
- you need the expertise that you do not have in
certain areas of your finances. For example, a personal financial consultant
can help you to assess the level of risk in the investment portfolio and review
the allocation of funds;
- you do not have enough time to edit your own
financial plan yourself;
- you know that you need to improve your current
financial position, but you do not know where to start;
- you believe that a personal financial consultant
- expert could improve your plan and strategy for the current management of
your finances;
- an immediate or unexpected life event occurs,
such as inheritance or major illness;
- you want to get an expert opinion on a financial
plan that you have developed yourself.
+386 1 569 1236
