“You earn in dollars. You must be financially settled.” If you’re an NRI, you’ve probably heard this more than once. Friends assume you’re wealthy. Family believes money isn’t a concern. People back home often compare your salary with Indian salaries and conclude that financial freedom must naturally follow. It sounds reasonable. After all, if someone … Read more
Why Most Investment Questions Don’t Have Simple Answers Every year, a new investment trend captures everyone’s attention. Last year, one of the most common questions was: “Should I add Gold to my portfolio?” This year, it seems to be: “Should I add international equity to my portfolio?” A few years ago, it was small-cap funds. … Read more
In the previous article, we identified our financial goals, estimated how much money each goal would require, and calculated how much we need to invest every month. Now it’s time to answer the next question. How should I get there? Most people think building a portfolio starts with questions like: Those are all valid questions. … Read more
Start with purpose, not products. If you’re here, you probably fall into one of two categories. You’ve either been investing for a while and already have a portfolio, or you’re completely new to personal finance and want to learn before making costly mistakes. Either way, let’s explore why goal-based financial planning is a better approach … Read more
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