Numerology: In numerology, each radix number has its own distinct nature and personality. People who are born on 4th, 13th, 22nd or 31st of any month are considered to have radix number 4.

The biggest specialty of people of this radix number is that they consider money not just as a thing to spend, but a means to secure the future. This is the reason why they are considered very intelligent in financial matters.

Are very practical with money

People with radix number 4 do not take financial decisions under the influence of emotions. Before making any big expenditure, they carefully consider its advantages and disadvantages. This habit helps in making them financially strong.

Create distance from wasteful expenditure

These people do not like to spend money on show. They spend only according to their needs and budget. Many times people consider them to be stingy, but in reality they know the true value of money and like to spend wisely.

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Give priority to investment

People with number 4 pay special attention to savings as well as investments. They want their money to grow over time and get financial security in the future. Therefore, avoid investing money in any scheme without knowledge and give priority to safe investment.

Identity is created through hard work

According to numerology, people with number 4 are disciplined, hardworking and responsible in nature. These people rely on hard work and patience instead of shortcuts. For this reason, they gradually achieve good success in their career and financial life.

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sometimes become overly cautious

Their biggest weakness is considered to be that sometimes they take more time than necessary in taking any decision. Due to excessive thinking, even good opportunities can be missed. If they learn to take timely decisions, they can achieve better success in life.

In which areas is success achieved?

People with number 4 perform well in areas that require discipline, planning and responsibility. They are likely to get good success in fields like banking, accounting, finance, engineering, property, administration, management and business.

Easy solution for Radix 4

According to numerology, people with radix number 4 should adopt a regular routine and should not delay taking decisions excessively. It is considered beneficial for them to invest after taking the advice of experienced people and to avoid investing money in any financial scheme without complete information. Also, maintaining patience and discipline can give them better results in the long run.

Disclaimer: The information provided here is based only on assumptions and information. It is important to mention here that ABPLive.com does not endorse or confirm any information. Before implementing any information or belief, consult the concerned expert.

Business Tips: Looking at the condition of the corporate world these days, only one thing comes to everyone’s mind, ‘It seems that some business should be started now.’ It is not so easy to bear the toxicity of the job world, in such a situation there is only one thing in everyone’s mind that they should start a business. But this is not so easy. Because if proper planning is not done then the business can sink even before it starts.

Planning is most important
Before starting any business, it is very important to have proper planning and information. Planning is considered to be the first step to make any business successful. Starting a business without preparation increases the risk of financial loss, hence it is very important to start by keeping some important things in mind.

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What business should you do?
You should start with this: first of all, in which field do you want to do business? How much demand is there in the market? Before starting any production, one should read and research about its customers, competitors and prospects. This helps in taking the right decision.

strong business plan
Before starting a business, it is also important to prepare a strong business plan. It should have a clear outline of investment, expenditure, potential profits and future strategy. Having a plan reduces risk and also increases investor confidence.

finance management
Special attention should be paid to finance management. Only as much capital should be invested for the business as is required. Avoiding unnecessary expenses in the beginning and following a budget can prove beneficial in the long run.

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follow necessary procedures
It is also necessary to complete all the necessary licenses and legal procedures related to business. By following the correct documents and rules, you do not have to face any problems in future.

Role of digital platforms
In today’s era, digital platforms and social media are also playing an important role in the success of business. Business can grow faster through online marketing and better communication with customers.

Financial Goal: For many Indians living in cities, meeting money-related goals has become a major cause of stress. People want good savings and financial security, but along with this, maintaining the balance of their health and life is also becoming a challenge for them.

According to the India Health Quotient 2026 report by ManipalCigna Health Insurance and YouGov India, 41 percent of urban Indians believe that trying to meet money-related goals causes them stress and anxiety. This is the reason why economic concerns have become one of the major reasons affecting people’s health. In the study, economic condition got the lowest marks, while physical health got 68 marks and social health got 66 marks, while economic condition got only 62 marks out of 100.

Conversations were held with 2600 people from 16 cities

For India Health Quotient 2026, 2,600 people from 16 cities were interviewed. In this, an attempt was made to understand the aspects related to the physical, mental, economic and social condition of the people. According to the report, economic pressure is not limited to just savings or investment. About 36 percent people said that the expenditure on healthy food, nutritional products and regular health checkups puts additional burden on their budget.

At the same time, 40 percent people say that stress and anxiety are affecting their physical health. An equal number of people also admitted that spending less time with family and friends has had a negative impact on their work or studies.

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Maximum economic pressure on youth

The study revealed that many people are constantly worried about their earnings, savings and future expenses. This also affects their mental and physical health. When health-related needs increase, people have to spend extra money on it, which further increases the financial pressure.

According to the report, the youth group is most affected by this problem. Especially people between 25 to 34 years of age are feeling more pressure to secure their future, due to family responsibilities and increasing expenses. Women in the study also expressed more concern about financial matters. Many women believe that they have to be more cautious about future expenses, savings and financial security.

Becoming financially strong is a big priority

The report shows that today becoming financially strong has become one of the biggest priorities for people. Many people want to focus on improving their financial condition before their physical or mental health, because they believe that financial security is the foundation of a better life.

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Many of us consider check bounce or auto-debit mandate failure as minor banking issues, but the impact can be quite serious. Under the law, if a check bounces and payment is not made within 15 days, there can be a criminal case, fine or even jail under Section 138. The bank charges dishonor charges ranging from ₹250-₹750, while the lender also adds late fee and interest. Missing an EMI can cause the credit score to drop by 50-70 points, making future loans difficult. Repeated bounces are considered a high-risk signal. Informing the lender in time is the safest step.

As soon as the new year starts, we take big resolutions to improve fitness, career and lifestyle, but if your financial life is not strong then everything else remains incomplete.

The wisest start to 2026 can be with financial discipline. In this video we will talk about those important financial resolutions that lead you towards a stress-free and secure life.

First of all, we will understand why it is important to make a monthly budget and how the 50-30-20 rule gives the right direction to your money.

After this you will know the importance of emergency fund, which becomes your biggest strength in case of job loss or medical emergency. We will also discuss control over impulse spending, protection from online shopping and credit card traps, SIP discipline, smart investment, loan management, insurance and tax planning. Remember, the new year is not only an opportunity to earn but also to manage it properly.

Bandhan Mutual Fund has launched two new ETFs amid the rise in gold and silver: Bandhan Gold ETF and Bandhan Silver ETF. Both aim to deliver roughly similar returns, before expenses, as per gold and silver prices in India. In these ETFs, 95 to 100 percent of the investment will be in physical gold and silver, while 0 to 5 percent will be kept in debt or money market instruments. The NFO is open from December 1 to 3 and after December 12, 2025, both these funds will be available for regular trading. Minimum investment is Rs 1,000. In the last few years, both gold and silver have shown tremendous rally. In 2025, silver has increased by more than 100 percent and gold is also showing a strong rise of 65 to 66 percent. This video explains how these ETFs work, which investors they are right for, and whether you can benefit from them in the gold-silver rally.

Financial Planning: Whenever it comes to financial planning, it is important to understand where to invest and how to protect your money. Three plans always come up in discussions related to personal finance. These are Systematic Investment Plan, Health Insurance Plan and Term Insurance Plan. Let us know how these three are different from each other and also which of these schemes is better for investment.

Systematic Investment Plan

In a systematic investment plan, you have to invest a fixed amount in mutual funds at regular intervals such as monthly or quarterly. It is beneficial for those who want to create wealth in the long run. Like retirement fund, children’s education or buying a house. It remains stable despite market fluctuations. Systematic investment plan through Rupee Cost Everything reduces the risk of market fluctuations. Its biggest advantage is that you can start it with just ₹ 500 per month.

health insurance plan

It is not an investment instrument but an essential part of financial security. Medical complications arise suddenly and can quickly drain your savings. A health insurance plan ensures that you or your family remain financially protected in case of illness, hospitalization or surgery. This plan covers medical bills, room charges, surgery costs and even pre- and post-hospitalization expenses depending on the policy.

term insurance plan

This plan provides complete life insurance. It does not include any savings or investment benefits. Its sole purpose is to provide financial security to someone’s family in case of their sudden death. Under this plan, higher coverage amount can be obtained at lower premium.

Which plan is better for investment

Each of these three plans has a different but equally important objective. A smart financial plan can include all three in a balanced manner. If we talk about systematic investment plan, it helps you in increasing your wealth over time. If we talk about health insurance plan, then you can save on medical bills. Along with this, term insurance plan guarantees the safety of the person’s family in his absence.

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