You should inculcate the habit of visiting a financial planner as they can guide and advise you about your financial health. It will help to create a sense of disciplined savings pattern and make you watchful about your investments.
Most people have the wrong notion that one must visit a financial planner only if you are into debts like home loan, personal loan, car loan etc., but its quite wrong. Even if you are into such debts, the financial planner will give you certain suitable solutions for example, if you have any assets can they be liquidated to pay off the loan amount? What portion of your savings must go into clearing your debts as well increase your investment corpus etc.
If you are not into any debt then, financial planners help you to clean up yur existing portfolio and suggest you ways by which you can increase your investment corpus.. Invest in a financial planner and do a proper financial plan. Once you have decided what your allocation is, invest accordingly and stick to that. But it is obvious that a good financial planner will come at some fee and they should be willing to sacrifice that’s mall fee, which would be compensated by the differential return they will make out of a good financial advice.
It is the ultimate decision of the investor to approach the financial planner and avail his/her services or not. Try utilizing and making most of these best years of getting high returns in future in this country. By opting for a systematic and disciplined savings you definitely can achieve your dreams.