Winterize Your Wealth: A Guide to Financial Comfort

With December bringing a nip in the air, you must be reaching out for shawls, sweaters, and blankets. While you sit wrapped up in your cozy winterwear, with a cup of hot tea between your hands, would you like to read a guide to achieve financial comfort?

So, here goes a comparison of your comforting winter clothes and financial terms. See how the concepts of winterwear can help you sort your wealth!


According to winter lovers, the best part about this season is the layering. Wearing multiple clothes looks fashionable and also keeps you warm. You also have the added benefit of flexibility to take off your jacket should you go indoors or feel warm in the sun.

By layering, you can play with different colors and textures while dressing up. This is very similar to the concept of diversifying your portfolio. Just like thermal wear, sweaters, and jackets help you keep warm, investing your money in various assets helps you mitigate the risk.

Some assets may provide high returns but may have high risk, while others will have both low returns and be less risky. It is important to mix it up and not put all your eggs in one basket!


Socks complete your winter attire with added warmth. Even the thought of soft woolen socks fills your mind with a fuzzy and cozy feeling, doesn’t it?

Just like you wear socks one by one, you can invest in Mutual Funds through SIP or Systematic Investment Plans. It helps you to systematically invest in a mutual fund plan over a certain period. Deductions can be made directly from your bank account on a yearly, monthly, fortnightly, weekly, or daily basis.

It is hassle-free and user-friendly, and the annual maintenance charges are on the lower side. As a small sum of money is being invested periodically, the market tends to have a lesser impact on SIPs. 

So, while you put on your socks this winter to get warm, consider investing in mutual funds through a SIP to find financial comfort.


You must associate shawls with the older generation, but fashionable shawls can be worn at any age. They are versatile as they can be used as an extra layer, as a blanket, and as a scarf.

As a young person, using a shawl can make you look fashionable and double as a winter accessory. Similarly, even though retirement planning is for your old age, the earlier you start planning your retirement, the better it is for you. 

When you start at a younger age, you can invest small amounts, which can accumulate over the years, and build a sizeable fund for when you plan to retire.

Your old sweater

Have you ever tried to fit in that cute sweater from your adolescence? Or have you ever put a sweater in the washer, only to realize that it has shrunk and doesn’t fit you anymore? 

Unplanned loans are just like that. They may look very attractive but can soon become confining or cramp your finances. The EMIs cut into your monthly budget, making it difficult to manage it. 

Thus, never take loans at the spur of the moment. If you have to, make sure to calculate your EMIs beforehand so you don’t face an uncomfortable situation in the future.

Woolen Caps

You must remember your parents repeatedly telling you to cover your ears with a cap to feel warm. Caps can protect your ears from the cold wind and are necessary no matter how many sweaters you are wearing.

To draw parallels, when you earn monthly interest on your money, it is a bonus and adds to your wealth. It is often referred to as making your money work for you. You can earn interest by parking money in your savings account, and also creating FD accounts. Apart from this, you can invest in long-term plans to earn better interest with lower risk. 

In the same way as a well-fitted cap is a winter wardrobe must-have, a good investment plan that gives you high returns is a portfolio must-have!


Who doesn’t like sleeping for long hours in the cold weather? And the cold nights would be unbearable without our comforters or blankets. Tucking inside a warm blanket at the end of a long tiring cold winter day is something everyone looks forward to. 

It gives you security and a good night’s sleep getting you ready for the hustle of another day. Just like a blanket covers your whole body in snugness, good financial planning needs to cover all facets.

Building a budget, investing in your retirement, not taking too many loans, and diversifying your portfolio are a few important steps. When you plan your finances carefully, you are guaranteed a safe haven from financial uncertainty. Here are a few more things you can do to ensure your financial security.


At first, comparing winter clothes to financial concepts might seem uncanny to you. But just like winter can be very uncomfortable without your woolens, finances can turn into a nightmare if you don’t plan them properly. 

With the end of the year approaching, take a hard look at your finances. While you pull out your winter gear from the boxes, also prepare to protect yourself from any financial blunder.

If you follow all the steps mentioned here, you will no doubt find ultimate financial comfort. And just in case you need urgent funds for an emergency, you can take precautions so that it doesn’t become a shrunken sweater situation.

You can get affordable loans from moneyview and also calculate your EMI before applying for it. From us, you can get loans up to Rs.10 Lakh with minimum documentation within 24 hours in most cases. To know in detail, visit our website or download the moneyview app.