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Breaking the Chains of Debt: Gaining Financial Independence

In 2021-22, India’s credit card defaults stood at Rs 3,122 crore. By 2022-23, an alarming Rs 950 crore rise took the default numbers to Rs 4,072 crore. It is now evident that debt is becoming an increasingly prevalent issue in India. Debt can be a deceptive tool; it can unlock possibilities or ensnare you [...]

By |2024-03-26T15:38:15+05:30March 26th, 2024|All, Financial Planning|Comments Off on Breaking the Chains of Debt: Gaining Financial Independence

Mind Over Money: Break Free from Impulsive Spending

As a financial advisor in India, we've seen the impact of spending habits on our clients' financial lives. Spending isn't just about rupees and paise; it's deeply connected to our emotions and psychology. Understanding this connection is vital to achieving your financial goals. Let's delve into how our minds influence our wallets.The Desire for Instant [...]

By |2024-03-19T10:39:43+05:30March 19th, 2024|All, Financial Planning|Comments Off on Mind Over Money: Break Free from Impulsive Spending

Estate Planning in India: Is Your Legacy Protected?

It takes a lifetime to build your assets, now your dreams have turned into reality. However, ensuring a smooth transition of this legacy requires careful consideration. Surprisingly, in India, few people prioritise making a will. A stark contrast between India (<10%) and the US (46%) highlights the vast gap in estate planning awareness and practices. [...]

By |2024-03-12T14:39:52+05:30March 12th, 2024|All, Financial Planning|Comments Off on Estate Planning in India: Is Your Legacy Protected?

Riding the Momentum: Are Investors Overlooking Quality in the Indian Market Rally?

The Indian stock market has been enjoying a strong rally in the past year, offering double digit returns. While this is positive news overall, a closer look reveals some interesting trends, particularly in the relationship between market price and Return on Equity (ROE).Mid-Caps and Small-Caps Outperform, But at What Cost?One key takeaway is the significant [...]

By |2024-03-05T14:59:50+05:30March 5th, 2024|All, Markets|Comments Off on Riding the Momentum: Are Investors Overlooking Quality in the Indian Market Rally?

Retiring in a Digital Age: Managing Finances for the Tech-Savvy Senior

Retirement is a chapter many of us eagerly await, envisioning days filled with leisurely pursuits and cherished moments with loved ones. However, as the digital age continues to reshape our world, seniors find themselves navigating new terrain when it comes to managing their finances. From online banking to trading platforms, the plethora of technological [...]

By |2024-02-20T12:27:55+05:30February 20th, 2024|All, Financial Planning|Comments Off on Retiring in a Digital Age: Managing Finances for the Tech-Savvy Senior

Delving into the Intricacies of Alternate Investments

Once you've successfully built your wealth and sought opportunities beyond the conventional realm of stocks and bonds, a myriad of alternative investment paths beckon. These encompass real estate, hedge funds, commodities, private debt, peer-to-peer lending, private equity, and, for some, cryptocurrency. Alternative investments have become an attractive choice for investors aiming for portfolio diversification, [...]

By |2024-02-13T13:10:57+05:30February 13th, 2024|All, Personal Finance|Comments Off on Delving into the Intricacies of Alternate Investments

Millennial Edition: smart finances in your 30s and early 40s

As a proactive millennial who has set clear goals, established an emergency fund, and begun investing in your twenties, your financial journey now takes a more refined and strategic turn. In your 30s and early 40s, reassessing and recalibrating your financial game plan becomes crucial for long-term success. Let's delve into critical areas to optimise [...]

By |2024-02-06T07:56:18+05:30February 6th, 2024|All, Financial Planning|Comments Off on Millennial Edition: smart finances in your 30s and early 40s

Beyond the Bias: Strategies for Skillful Bias Management in Investing

Investing is not a mere numerical exercise; it encompasses a profound understanding of the human element. Success in investing isn't a mere reflection of numbers and charts; it's deeply intertwined with the intricate workings of our cognitive landscape. Amidst the spotlight on market trends and economic analyses, a crucial player takes centre stage—the human [...]

By |2024-01-30T10:01:01+05:30January 30th, 2024|All, Personal Finance|Comments Off on Beyond the Bias: Strategies for Skillful Bias Management in Investing

Decoding the Mindset of High Net Worth Investors

Understanding the dynamics of financial decisions requires delving beyond numbers and embracing the intricacies of human behaviour. High Net Worth Investors (HNIs), despite their financial sophistication, are not immune to the profound impact of behavioural biases. Every decision will lead to the crossroads of rationality and human behaviour. This exploration unravels the complexities of [...]

By |2024-01-16T06:51:40+05:30January 16th, 2024|All, Financial Planning|Comments Off on Decoding the Mindset of High Net Worth Investors

Wealth Harmony: A Simple Guide for HNIs

For high-net-worth individuals (HNIs), the conventional focus on income and net worth offers only a limited perspective of their overall financial landscape. This blog suggests looking at things holistically, considering not only the numbers but also other essential factors. By bringing together various insights, we want to give you a fresh take on financial [...]

By |2024-01-09T05:19:10+05:30January 9th, 2024|All, Personal Finance|Comments Off on Wealth Harmony: A Simple Guide for HNIs
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