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Lord Ganesha is known as the god of wisdom, remover of obstacles, symbol of happiness, master of knowledge, etc equally adored by kids as well as grown up people. There are so many things to learn from Ganesha's idol.
Today, we will see what message he conveys to us on financial planning when you look at his physique (appearance).
This will help you to gain some insights on financial planning, change your financial behavior and bring prosperity in life.

1. Big head
Lord Ganesha's 'Big head' tell you to 'Think big' and out of box. There are solutions to every problem you face in life.
You just need to analyze the situation by keeping calm and the answer lies within it.
With investment, planning equal importance must be given to other aspects like tax planning, retirement planning, estate planning and insurance planning which play vital role in making a comprehensive financial plan.

2. Small eyes
The 'Small Beautiful Eyes' tell you to 'Concentrate' on your financial planning goals.
You need to ask questions to yourself like: why do I need a financial plan? What are my specific goals with period to achieve it?
The goals, which are identified, need to be prioritized and then start working to achieve it.

3. Large ears
'Large Ears' tell you to 'Listen More' to financial advisors/planners.
There are interviews and TV shows by financial planners/experts that give insights on financial planning.
Learn more about financial planning from their discussions and see to it that your plan is perfect. If it is difficult to manage your financial plan then meet these experts to chalk out your financial plan and follow the recommendations they suggest to move in right direction.

4. Small mouth
Know this popular proverb: Actions speak louder than words. This means what someone says is different from what they do.
'Small Mouth' of Ganeshji tells you to 'Talk Less' and work on financial plan with 100 per cent dedication and focus to achieve fruitful returns.
It is often seen people prepare financial plan and say; they would start following it from that moment but after a few weeks keep pushing its implementation ahead citing silly excuses.

5. One tusk
One Tusk' conveys 'Retaining Good and throwing away the Bad'.
It means analyze your portfolio periodically, sell off investments, which are making losses and stay invested in assets that are performing well.

6. Trunk
Ganeshji's 'Trunk' conveys 'High Efficiency and Adaptability' and tells you to evaluate your portfolio on a regular basis. There are times during which an investor needs to take defensive decisions and diversify investment to fixed deposits/bonds. But, when market look strong fundamentally investors should take aggressive decisions of investing a major chunk into stocks which has potential to perform well in future.
Financial planning also requires regular review and continuous progress to achieve set goals with some adjustments and overcoming the obstacles.

7. Large stomach
Large stomach' of Ganeshji asks us 'to digest all good and bad financial experiences in life'.
Take every bad financial experience as learning by analyzing it and consider yourself one-step closer towards success.
Also, do not be over confident with good financial experiences and success you achieve while taking financial decisions.

8. Right foot over left foot
Ideally, we see Ganeshji with his right foot over the left foot while he is in a sitting posture. This represents using 'knowledge and reason to overcome emotions'. You shall increase your financial planning knowledge by reading books, periodical magazines or personal finance newspaper on a regular basis to get some guidance from experts.

9. Axe
Many Ganesh idols show him holding an axe in one of his hand. He holds it 'To cut off all bonds of attachment'.
It means don't get attached to particular companies/asset class and stay invested even when they are not performing well.
Keeping yourself away from attachment with stocks or asset class (gold, silver, etc) will keep you floated during volatile markets and help to take wise buy and sell decisions depending on market situations.

10. Mouse at Ganeshji's feet
Ideally, we see Ganeshji using a mouse for a ride or has a mouse at his feet. This image conveys that 'you must keep your desires under control and not allow them to take you for a ride'. Desire could be anything: purchase a car, LED television set, play station for children, an iPad, latest iPhone, etc. While preparing a financial plan, you need to keep a check on your desires and their actual requirement. Keeping desire under control and focusing only on actual needs will help you build a realistic financial plan, which is measurable and easily achievable.

11. Modak and prasada
Ganeshji loves Modak and offers prasada to his devotees. These are considered as 'rewards of Sadhana (Devotion)' for followers.
By following advice given in a financial plan, you will definitely be rewarded in the form of achieving set goals in a timely manner.
Having 'Lord Ganesha' as your friend is a sign of blessings so move ahead in life by understanding these 11 financial planning lessons from Lord Ganesha.

From India, Ahmadabad
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