A Long-Term Goal Needs More Than an Equity Investment One of the most common conversations I have with investors goes something like this: “I have a long-term goal, so I’m investing in equity mutual funds. That should be enough, right?” My answer is mostly “Not necessarily!” Equity can be a very important part of a […]

During my interactions with young professionals in their first year of work, I have started to see an interesting shift in how many of them think about mutual funds. In one such meeting, curiously, I asked Aryan why he chose a direct mutual fund. The answer was quick and straightforward: “Why should I pay a

I hear this frequently. How will I know when is the best time to enter the market? I have always wanted to answer this in a way that shifts the focus from “time to market” to “time in the market.” So, I decided to let the data do the talking. Let’s look into some interesting

A few years ago, a couple (prospective client) came to me for a portfolio review of their existing investments. As a process, before opening a single investment statement, I ensure to spend the first 10 minutes talking about their background and the financial journey. The husband proudly explained how he had exited his investments during

I read an article recently about how much time and effort we can save by using AI for our financial planning. Apparently, even if you know nothing about investing, you can use AI to build a fairly good portfolio in minutes. AI can analyze holdings, compare mutual funds, generate reports, and answer investment questions instantly.