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.

One of the biggest mistakes I see people make is focusing all their attention on returns, market opportunities, and wealth creation. They want to know where to invest, how much to invest, and how quickly their money can grow. These are undoubtedly important questions. However, before we discuss investment options, there is one critical factor

A few days ago, I came across a report about India’s ongoing battle with unregistered online financial influencers. One phrase in the headline caught my attention: “whack-a-mole.” One influencer is banned. Another appears. One social media account is blocked. A new channel emerges. A person offering stock tips disappears from one platform, only to resurface

Over the last five years, I have noticed a remarkable change in the way people think about writing a Will. Earlier, whenever I brought up the topic with clients, I could almost predict their reaction. Some would immediately change the subject, while others would politely say, “Let’s discuss this later.” Many of them believed that