Do you understand the distinction between a retail investor and a High-Net worth Investor (HNI)? I’m not referring to the SEBI definition, but rather the difference in their investing mindset. An HNI doesn’t pursue high returns; instead, they remain unfazed by market volatility, stay composed, diversify their investments adeptly and think long-term, unlike our average […]

Delaying the initiation of a retirement savings plan is a common blunder that many individuals make. Another fundamental error in financial planning is neglecting savings in favour of fulfilling immediate desires. As individuals work throughout their lives, they often aspire to retire and pursue their passions. Therefore, it becomes critical to arrange their finances in […]

In this final clash, the war rages on, Bonds stand strong, their resilience drawn. Though yields may lure with their tempting might, Only bonds endure, the victors of this fight. Having triumphed over the new-age alternative financial products, bonds find themselves encircled by their age-old adversaries: traditional fixed income instruments like Public Provident Fund (PPF), […]

In this world nothing can be said to be certain, except death and taxes. –Benjamin Franklin This quote reflects the inevitability of these two things in life. Death is inevitable for all living beings and taxes are a necessary part of modern society. Taxes are a way for the government to collect revenue, which is […]

When the global economies were finally recovering from the pandemic, the repercussions that followed was a burden of a recessionary environment characterized by increased unemployment rates, soaring commodity and oil prices, banking sector strains and escalating geopolitical tensions. Amidst all of this, India has emerged as a genuine underdog. As major global banking institutions faced […]

The only free lunch in finance is diversification – Harry Markowitz How impactful is the quote by the Nobel Prize laureate and pioneer of the Modern Portfolio Theory in today’s world? Portfolio diversification is at the heart of a successful investment strategy. By spreading investments across various assets, one can navigate the ups and downs […]

“The big money is not in the buying or selling, but in the waiting.” –Charlie Munger– In this era of instant gratification and easy money, this quote emphasizes the importance of humility and patience in both life and investing, coming from one of the key figures behind the remarkable success of Berkshire Hathaway. Whether dealing […]

Introduction The Indian financial ecosystem has seen a significant transformation, particularly with the rise of fin-tech platforms and the increasing demand for diverse financial services. While influencers in the finance sector, or ‘fin-fluencers’, have popularized many investment strategies, their approach sometimes lacks the depth and reliability that professional distributors offer. Moving beyond the buzz, real […]

Financial Planning 101 A notification buzzed, and both your mobile screen and your eyes lit up! (Dear Customer, Your Salary of Rs 1,82,336.00 is credited to you’re a/c no. XXXXX876 on 30-Nov-2023.) Perhaps the only text message that brings a smile to your face and a sense of relief amidst a barrage of OTPs, EMI […]