Your 30-Day Wealth Action Plan

Thirty days is long enough to install the structure and too short to collect a new set of products. Use this calendar if the earlier articles have been read and the household is ready to act. Skip a task that is already complete. Do not replace a week with a fresh ranking table.

Week 1 — Protect and List

• Write the one-page blueprint: goals, dates, current accounts.
• Confirm emergency-fund target and the account that holds it.
• Check health and term cover. If a gap exists, begin the application this week, not after the SIP is “sorted.”
• Note nominees on bank, EPF, PPF, NPS and fund folios. Flag any that still carry a parent’s name after marriage.

Week 2 — Employer and Core

• Open the EPF passbook. Confirm whether the contribution is 12 per cent of basic or the ₹1,800 floor. Record the fact. Change it when a job change allows, if the floor is in force.
• If there is no equity SIP for a long-dated goal, select one diversified or index fund using the filter in Mutual Fund Mastery. Start a modest mandate. Raise it later.
• Do not open four funds in order to feel thorough.

Week 3 — Dates, Debt-like Holdings, Optional No

• Move or earmark money that is needed inside three years away from equity.
• Decide, in writing, whether PPF or NPS has a role beside EPF this year. “Not this year” is allowed.
• Decide, in writing, that individual shares and a second property are “not this month.” Satellites wait until weeks 1–2 exist.

Week 4 — Share and Schedule

• Give the spouse access to the page and to the advisor’s number.
• Set the annual review date in both calendars.
• Raise the SIP if income already allows. If not, write the next increment date.
• Stop. Do not add a scheme to celebrate completion.