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Your “risk profile” is not carved in stone. It changes with the market, your age, your job, your experiences. (AI image) If I had a rupee for every time someone told me “Sir, I am a moderate-risk investor,” I could start my own small-cap fund.“Moderate risk” is the NSE of personal finance: everyone mentions it,…
So the next time the market is falling and you feel the itch to stop your SIP, remember this: the feeling is normal, the action is costly. (AI image) Let me guess your SIP journey.You start with great enthusiasm. You’ve read about compounding, you’ve seen the long-term Sensex chart, you’ve promised yourself, “Yeh SIP toh…
You don’t look at your portfolio like a long-term investor; you look at it like a daily scorecard. (AI image) “‘If I know markets go up in the long run, why do short-term losses bother me so much?’This is one of the most honest questions an investor can ask.On paper, you know the logic. You’ve…
The problem is not which fund to choose. It’s how much they can realistically save. (AI image) “How do I decide how much to save and invest when my income is just about enough?”This is one of those questions that sounds technical, but is actually very emotional.On paper, it’s simple: income comes in, expenses go…
There is a sequence to getting your money life in order. (AI image) Most people don’t come to me saying, “My financial life is a mess, please help.” They say, “Sir, bataaiye, kaunsa mutual fund theek rahega?”Two minutes later, it turns out they have a chunky credit card balance, no proper emergency fund, hardly any…
The real wealth is built by showing up for the long, slightly boring, reliable relationship – not the latest exciting fling. (AI image) You don’t need to see business news channels to know when markets are doing well. You just need to attend a wedding.Suddenly, the cousin who never replied to your messages is giving…
If you wait for a day when you feel zero fear, you may never start. (AI image) If you’ve ever opened an investing app, seen a zig-zag line, felt your stomach drop and quietly closed it—congratulations, you are perfectly normal.You work hard for your money. You’ve heard horror stories about stock market losses, “this fund…
First priority: be invested. Fine-tuning can come later. (AI image) If you’ve been “about to start” investing for the last few years, this one is for you.The script is familiar. “Markets are at an all-time high. I’ll wait for a correction. Correction comes. “Things look unstable. I’ll wait for clarity.” Markets recover. “Now I’ve missed…
Shilpa Shetty’s husband, businessman Raj Kundra, has fired back at a netizen who claimed his wife joined spiritual leader Dhirendra Krishna Shastri’s foot march to ‘fix her image’. Raj firmly rejected the allegation, stressing that “allegations are not convictions,” and made it clear that devotion and faith should not be mistaken for publicity stunts. Netizen…
