Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Invest

Insurance and Investment in one plan.

Kotak e-Term

Protect your family's financial future.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals.

Kotak T.U.L.I.P

A plan that works like a term plan, and Earns like ULIP Plan.

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family.

Kotak Assured Pension

A plan that offers immediate or deferred stream of income

Kotak Lifetime Income Plan

Retirement years are the golden years of life.

Kotak Guaranteed Savings Plan

A plan that offers long term savings and life cover.


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

What is a Short-term Goal, and How can I Achieve it?

Short-term goals are specific objectives achievable within a timeframe of a few days to a year. Achieving them involves clear planning, breaking down larger goals, and using SMART criteria, all while starting with small, manageable steps.

  • 2,338 Views | Updated on: Feb 18, 2024

In the journey of personal and professional development, setting and achieving goals is a fundamental aspect that propels individuals forward.

Short-term goals play a pivotal role in immediate progress and success among various goals. These goals can be accomplished within a relatively brief timeframe, typically ranging from a few days to a year.

What is Short-Term Goals?

Best short-term goals are Specific, Measurable, Achievable, Relevant, and Time-bound (SMART) objectives you set to achieve concisely. These goals serve as building blocks, contributing to accomplishing larger, long-term aspirations.

Features of Short-Term Goals

Short-term goals should be well-defined and clear. Whether they pertain to personal development, career advancement, or health improvement, a precise understanding of the goal is essential for successful planning and execution.


Short-term goals must be specific, clearly defined, and unambiguous. Vague goals leave room for confusion and hinder focused action.

For example, Rakesh’s desire to save money is generic, but savings through a savings app is a specific goal.


A key feature of short-term goals is their measurability. Establishing concrete criteria allows you to track progress and determine when the goal has been successfully achieved. This could involve metrics such as numbers or specific achievements.

For example, Rakesh aims to save ₹100,000.


Short-term goals should be realistic and attainable within the specified timeframe. While ambition is encouraged, setting unattainable goals may lead to frustration and demotivation.

For instance, Rakesh’s aim to save ₹100,000 in 6 months is not achievable. However, he can achieve this goal in 1 year.


Goals must align with broader objectives and contribute to your overall growth or well-being. Ensuring relevance helps maintain focus and commitment.

For example, Rakesh’s aim to save ₹100,000 in 6 months is not achievable. He can achieve this goal in 1 year to study abroad.


Setting a deadline creates a sense of urgency and accountability. A timeframe provides structure and helps you organize your efforts efficiently.

How to Plan and Achieve Short-Term Goals?

Creating and achieving short-term goals involves various strategies, but it is essential to acknowledge that there is no one-size-fits-all solution. Success in reaching milestones demands self-awareness, inner work, and patience, coupled with comfort with failure and adaptability.

Visualize the Finish Line

Identify what you aim to accomplish, whether it is a small behavioral change, a significant career shift, or something in between. Align your short-term goals with long-term ambitions. Incorporate visualization into your routine, using tools like a manifestation journal or a vision board to keep your dreams at the forefront of your mind each morning.

Start Small

Avoid overexertion by starting small and acknowledging the importance of gradual progress in both professional and personal endeavors. Building discipline, for instance, begins with small, focused tasks that gradually lead to more extensive projects, allowing for incremental development and increased motivation to persevere.

Work Backward

Once you have your target, create a step-by-step plan to achieve it. Think of your plans as multiple short-term goals, forming a trail of breadcrumbs guiding you toward success. If one goal is a prerequisite for the next, plan your steps accordingly—for example, acing a midterm before starting an online course.

Monitor Your Goals

Regularly assess your advancement. Numerous digital goal-tracking apps are accessible, or you can opt for a traditional pen-and-paper approach. Maintaining a progress journal is an excellent suggestion. Consistently tracking your progress serves as a motivating factor to help you stay on course.

Treat Yourself

Incorporate a “treat yourself” element into your goal achievement plan. Rewarding yourself when you reach milestones or complete tasks can boost motivation. Treats can be as simple as enjoying your favorite snack, taking a break, or indulging in a small leisure activity. This can help you stay consistent and not get distracted from your goal.

Last Words

Best short-term goals serve as stepping stones toward personal and professional success. By adhering to the principles of SMART goal-setting and employing effective strategies. You can navigate the path to achievement, fostering a sense of accomplishment and momentum for tackling more significant aspirations in the long run. Remember, success is often built on the foundation of well-executed short-term goals.

Key Takeaways

  • Short-term goals are specific objectives set to be achieved in a relatively shorter timeframe.
  • Short-term goals include various factors like measurability, achievability, relevance, and time-boundedness.
  • You must acknowledge the importance of gradual progress in personal and professional endeavors.
  • Align short-term goals with long-term ambitions, incorporating visualization tools like manifestation journals or vision boards.
  • Review progress against set timelines and be willing to adapt plans based on evolving circumstances.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

Kotak e-Invest

Download Brochure


  • Return of Mortality Charges*$
  • Enhanced Protection
  • Multiple Plan Options
  • Zero Premium Allocation Charges
  • Tax Savings^

Ref. No. KLI/22-23/E-BB/521