Mind Over Money: Break Free from Impulsive Spending
As a financial advisor in India, we’ve seen the impact of spending habits on our clients’ financial lives. Spending isn’t just about rupees and paise; it’s deeply connected to our emotions and psychology. Understanding this connection is vital to achieving your financial goals. Let’s delve into how our minds influence our wallets. The Desire for […]
Estate Planning in India: Is Your Legacy Protected?
It takes a lifetime to build your assets, now your dreams have turned into reality. However, ensuring a smooth transition of this legacy requires careful consideration. Surprisingly, in India, few people prioritise making a will. A stark contrast between India (<10%) and the US (46%) highlights the vast gap in estate planning awareness and practices. […]
Riding the Momentum: Are Investors Overlooking Quality in the Indian Market Rally?
The Indian stock market has been enjoying a strong rally in the past year, offering double digit returns. While this is positive news overall, a closer look reveals some interesting trends, particularly in the relationship between market price and Return on Equity (ROE). Mid-Caps and Small-Caps Outperform, But at What Cost? One key takeaway is […]
Retiring in a Digital Age: Managing Finances for the Tech-Savvy Senior
Retirement is a chapter many of us eagerly await, envisioning days filled with leisurely pursuits and cherished moments with loved ones. However, as the digital age continues to reshape our world, seniors find themselves navigating new terrain when it comes to managing their finances. From online banking to trading platforms, the plethora of technological tools […]
Delving into the Intricacies of Alternate Investments
Once you’ve successfully built your wealth and sought opportunities beyond the conventional realm of stocks and bonds, a myriad of alternative investment paths beckon. These encompass real estate, hedge funds, commodities, private debt, peer-to-peer lending, private equity, and, for some, cryptocurrency. Alternative investments have become an attractive choice for investors aiming for portfolio diversification, showcasing […]
Millennial Edition: smart finances in your 30s and early 40s
As a proactive millennial who has set clear goals, established an emergency fund, and begun investing in your twenties, your financial journey now takes a more refined and strategic turn. In your 30s and early 40s, reassessing and recalibrating your financial game plan becomes crucial for long-term success. Let’s delve into critical areas to optimise […]
Beyond the Bias: Strategies for Skillful Bias Management in Investing
Investing is not a mere numerical exercise; it encompasses a profound understanding of the human element. Success in investing isn’t a mere reflection of numbers and charts; it’s deeply intertwined with the intricate workings of our cognitive landscape. Amidst the spotlight on market trends and economic analyses, a crucial player takes centre stage—the human mind. […]
Decoding the Mindset of High Net Worth Investors
Understanding the dynamics of financial decisions requires delving beyond numbers and embracing the intricacies of human behaviour. High Net Worth Investors (HNIs), despite their financial sophistication, are not immune to the profound impact of behavioural biases. Every decision will lead to the crossroads of rationality and human behaviour. This exploration unravels the complexities of behavioural […]
Wealth Harmony: A Simple Guide for HNIs
For high-net-worth individuals (HNIs), the conventional focus on income and net worth offers only a limited perspective of their overall financial landscape. This blog suggests looking at things holistically, considering not only the numbers but also other essential factors. By bringing together various insights, we want to give you a fresh take on financial well-being. […]