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Breathing A New Life Into Financial Wellness

Author: Viral Bhatt/Wednesday, July 1, 2020/Categories: Exclusive

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Breathing A New Life Into Financial Wellness

As the world observed ‘International Yoga Day’ on June 21, I would like to bring your focus towards the importance of Yoga in your financial life. Managing your finance is very similar to practising Yoga, which may or may not be a part of your daily routine life right now, but we are sure that you must be familiar with the concept of Yoga.

Yoga is all about balance, relaxation, mindfulness and flexibility. Mastering these skills will make you a good Yogi, but you can also use them to manage your finance as well.

Here is how Yoga can help you understand the management of finance effectively. Yoga helps you understand the importance of balance Yoga is all about balance, whether you are trying to do Surya Namaskar posture where the body is balanced on eight points of contact with the floor feet, knees, chest, chin and hands. You always have to carefully balance the weight of your body to master any position. Similarly, in finance, you need to balance your funds by investing them in various asset classes. Some investments will be risky, while others would be safe; some might have liquidity while others won’t. Balancing your finance is all about having a healthy ratio of all, which will be suitable for your financial goals.

You learn the value of being flexible

It would be best if you were extremely flexible while doing Yoga. Every new move will challenge your body to be flexible at a different level. Similarly, it would help if you were flexible with your plans in managing finance. The situation of financial market will never remain the same. It would help if you modified your investment plans as the market changes. For example, in a down market, you would be better off if you invest in safe assets like bonds and lower your engagement with equity stocks.

It teaches you to make the right decisions Mindfulness meditation is a part of Yuga which focuses on clearing your mind with unnecessary thoughts. This helps in achieving mental peace, and you will be able to see things from a clear point of you. The financial industry is often overloaded with information. Many financial decisions we take are often based on one side point of view of some other person. Thus, just like mindfulness meditation, we should observe all the information, but at the same time take unbiased decisions.

You learn the importance of being in the present When you are meditating or doing any other yoga pose, you are teaching your brain to focus on the current moment, And get rid of all other thoughts like thinking about the past or future.

In financial life, every situation is unique, but we try to correlate it with a similar situation we experienced in the past and assume exactly the same outcome again. Yoga will improve your brain in a way, so that it will consider each situation unique. You will still use your past experience, but only as a guide to frame your current strategy and not the strategy itself. Not only this, but Yoga will also help you in many other ways to improve your brain and body health.

We hope you will incorporate it into your daily routine. If you have any thoughts to share kindly let me know.

The author is head and founder of Mumbai-based financial advisory firm Money Mantra. He can be reached at


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