In the previous two articles, we discussed why checking your portfolio every day usually leads to unnecessary decisions and why a thoughtful annual review is often enough to keep your financial plan on track. That naturally leads to the next question. If I review my portfolio only once a year, how should I actually keep … Read more
In the previous article, we explored an important idea: a well-designed portfolio shouldn’t change because someone predicted the market’s next move. It should change only when your financial plan changes. That naturally leads to the next question. If I shouldn’t react to markets every day, how should I actually manage my portfolio? The answer isn’t … Read more
Imagine this. Tomorrow morning, someone you completely trust calls you. Not a television expert. Not a social media influencer. Someone whose market predictions have never been wrong. They tell you: “The stock market will rise exactly 5% next week.” Not “maybe.” Not “likely.” A certainty. What would you do? Would you increase your equity allocation? … Read more
“At its core, SimpliFinSriram is about one thing: putting you at the center of every financial decision.” But what does that really mean? Most investing advice begins with products—mutual funds, stocks, ETFs, insurance, or the latest market trend. At SimpliFinSriram, personal finance begins with you. Your goals, your timeline, your ability to take risk, and … Read more
So you’ve selected a good mutual fund. You’ve started an SIP. You haven’t missed a single monthly investment. You’ve stayed invested through market ups and downs. Surely that’s enough to achieve your financial goal… right? Not necessarily. Two investors can invest the same amount every month, earn almost identical returns, and yet one comfortably achieves … Read more
One of the most common statements investors make is: “I have a high risk appetite.” Few others say: “I am a conservative investor.” But what do these statements actually mean? How do we know our true risk appetite? More importantly, when was it tested? The Problem With Risk Questionnaires Many investors determine their risk appetite … Read more
Today I noticed something unusual. Multiple variants of UTI Liquid Fund appeared to show an NAV that was approximately one-tenth of the previous day’s value. For investors using automated portfolio tracking platforms, this may result in a temporary dip in reported portfolio value, distorted return calculations, or unusual performance charts. Since many tracking tools rely … Read more
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