When markets crashed in March 2020, many investors watched years of gains disappear in a matter of weeks. I wasn’t one of them !! Looking back, it appears as though I timed the market perfectly. I reduced risk before one of the biggest market crashes in modern history and then rebuilt my portfolio after markets … Read more
“Risk is what remains after you think you’ve considered everything.” — Morgan Housel When we invest, our objective is rarely to maximize returns, at least it should be that way. Because most of us invest to achieve goals that are deeply personal and emotionally important. We want to: These goals are not just numbers in … Read more
For many investors, ₹1 crore is the first major financial milestone. It represents financial progress, discipline, and years of consistent investing. Whether the goal is retirement, children’s education, financial independence, or simply building wealth, the journey to ₹1 crore is a goal worth pursuing. One of the most popular investing shortcuts is the 15-15-15 Rule. … Read more
Financial Planning Starts With Life Events Most people think financial planning starts with investments.In reality, it starts much earlier. It starts with understanding what life events may happen in the future, when they may happen, how important they are emotionally, and what financial impact they may create. A financial goal is simply a future life … Read more
It is always important to first look at your own goals and your own situation before making any investment decision. Not news.Not markets.Not predictions. Start with yourself. Divide everything into just 2 buckets Keep it simple. 1. Long-term goals (7+ years away) For goals that are far away, nothing changes fundamentally. Follow a clear asset … Read more
One of the biggest myths in investing is that a better portfolio must be a more complicated one. It usually doesn’t happen all at once. You start with one mutual fund. A year later, someone recommends another. Then you add an ELSS fund to save tax, a mid-cap fund because it performed well, and a … Read more
IntroductionPersonal finance becomes messy not because it is difficult, but because we make it complicated. Too many options, too many products, and too much thinking often lead to inaction or poor decisions.A simple system, followed consistently, works far better than a complex one that keeps changing. Here are 10 simple ideas to keep your finances … Read more