Home Blog Financial Planning Checklist for Your 30s The 10-point checklist
6 months of expenses as emergency fund (liquid + sweep FD)
Term insurance: 15× annual income
Family floater health: ₹10 L + ₹50 L top-up
Start SIPs in flexi-cap + mid-cap
Max out 80C with ELSS
Avoid first-home EMI > 35% of net income
Start a child-education SIP the day the child is born
Annual portfolio review with your advisor
Write a will — yes, in your 30s
Build one passive income stream by 40
Ready to plan your financial future? Book a free 1-on-1 consultation with Mahaveer Jain — trusted financial advisor in Bastar.
MJ
Mahaveer Jain
Founder, Bhavya Investments
Mahaveer Jain is the Founder of Bhavya Investments with 25+ years of experience helping families across Bastar and Chhattisgarh with mutual funds, SIPs, insurance, retirement and property planning.
Next Tax Saving Investments under Section 80C — 2026 Edition