“Don’t get cheated, there is no free lunch” cautioned Ms. Shama Sarode, Financial Counselor of Disha Trust Pune, in her session on financial planning for youngsters. She advised on deciding short term and long - term financial goals, understanding fundamentals of financial planning, systematic investment plans, precautions to be taken while undertaking online banking transactions etc. Ms. Shama also explained the key concepts of investments and advised that one should take into consideration the rate of return, nature of risk involved, historical returns and tax benefits while making investments.