Insights & Thoughts

Sharing knowledge from 30+ years of experience in financial services. Simple insights to help you make better investment decisions.

Investment

Does your Investment Portfolio have the Right Asset Allocation?

Gold and Silver have outperformed Indian equities this year, highlighting the importance of asset allocation in portfolio performance. As per the landmark BHB study, nearly 94% of portfolio return variation is driven by asset allocation—not market timing. Since no asset class consistently outperforms every year, diversifying across equity, debt, gold, international assets, and alternatives helps manage risk, reduce volatility, and deliver more consistent long-term returns aligned with your goals.

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Investment

Specialized investment fund (SIF)

Mutual Fund industry has grown significantly in the last few years, simplification, standardization and innovation are the key to this significant growth. SEBI has recently approved a new product called Specialized investment fund (SIF) for Retail HNI which will enable NextGen growth in the mutual funds industry.

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Investment

Global Investing - GIFT City

Asset allocation is one of the key factors that impacts your portfolio returns. For an investor based out of India we have multiple options to invest in global markets like Mutual funds, direct investment in foreign STOCKS( using lending brokers) and GIFT City route. This article explains about global Investment via GIFT City route.

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Health Insurance

Is Corporate Health Insurance Good Enough?

One of the key pillars towards financial freedom or FIRE is to have adequate TERM and Health Insurance protection for you and your family. Most of the corporate companies provide health Insurance cover to their employee.

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Investment

Approach for Early Retirement?

Recently there were lot of questions and articles on Early retirement or FIRE(Financial Independence, Retire Early). This article provides a simple approach for early retirement.

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Investment

Specialized Investment Funds( SIF) – Is it Risky for Conservative Investor?

Specialized Investment Funds (SIF) are new funds launched by AMC this quarter. SIF invests most of the funds in derivative markets (Futures or Options across asset classes like Equity, Debt).

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Investment

Mutual Fund Portfolio with Passive funds

Mutual fund can be broadly classified into Active and passive funds. Active funds are funds which are managed by fund Manager. The fund managers based on the investment objective of the funds and guidelines given by SEBI for the category of the fund decides which asset classes to invest in.

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Investment

Why Diversify your portfolio?

Indian market has corrected by more than 12 to 18 % in the last few months. Most of our portfolios are in ‘deep red’ with respect to the returns generated in the last few months.

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Investment

Indian market has corrected by 12 to 16 %, Time to explore international markets?

Indian market has corrected by more than 12 to 18 % in the last few months. Mutual funds portfolio returns also have seen a downward trend recently. One of the options that mutual funds investors can explore is investing in the foreign markets.

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Financial Independence

Millionaire. Who don’t want to become a millionaire here? Everyone can become millionaire.

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Investment

Stop Collecting Mutual Funds. Start Building Wealth (Case Study Inside)

Do you know that '85 to 92 per cent of the returns of a portfolio comes from Asset Allocation'. A portfolio with high returns should have good asset allocation or allocation of your money across asset classes.

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Health Insurance

Big Health Cover (3 to 5 Crores), Small Cost: Here’s How to Protect Yourself Smartly

Health Insurance industry is growing and evolving with many innovative products based on customer needs. If you are new to Health Insurance, recommend going through the LinkedIn articles below.

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Capital Gain Tax

Is there a way to optimize capital gain tax?

We are coming to the financial year end this month. One of the key things that needs attention is the payment of the advance tax before 15th March 2026 for the current financial year.

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Bonds

Before You Buy That Bond: 7 Critical Checks Every Investor Must Do

In light of recent volatility in equity markets and relatively muted returns over the past couple of years in India, investors are increasingly exploring bonds as a diversification tool.

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