Don’t Ask “What Will Give Me the Highest Return?” Ask This Instead
“What will give me the highest return?” I have heard that question for decades. It…
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The 10 Questions to Ask Before Investing ₹1 Lakh
A reader once asked me: “Just tell me where to put ₹1 lakh.” It is…
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How to Read a Financial Product Before Buying It
A client once signed a financial document in minutes. The conversation had been pleasant. The…
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Why Financial Products Become Complicated
Early in my career, I witnessed a product discussion that stayed with me. A senior…
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Insurance Is Not Investment: Let’s Stop Mixing the Two
A family once showed me its “investment portfolio.” It looked impressive. Policies everywhere. Premiums being…
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Emergency Fund: How Much Is Enough?
An emergency fund is one of the least exciting financial assets. Until the day you…
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SIP Is Not a Strategy. It Is a Method of Investing
A young investor once told me proudly: “My strategy is SIP.” I asked: “SIP into…
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Different Clothes for Different Situations: When Do You Need a Financial Expert?
You wouldn't wear beach clothes to a board meeting. You wouldn't wear a three-piece suit…
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Should You Pay a Financial Advisor? Absolutely — But For What?
A family once asked me: “Why should we pay someone for financial advice? Everything is…
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₹1 Crore + 1% Fee: What Does It Cost You Over 10, 20 and 30 Years?
I once ran a simple calculation for a client. Starting portfolio: **₹1 crore.** Then we…
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