Adviser vs. Distributor? Who to Choose and When?
If you’re a beginner investor, you’ve probably found yourself asking the same question: “Advisor vs. distributor, who is the right choice for me?” While both play important roles in the investing ecosystem, they serve very different purposes. And choosing the wrong one for your situation can shape the outcomes more than you realise. Understanding this…
fydaa - money for tomorrowWhy Unplanned SIPs Are Like Shooting in the Dark
On a trek last weekend, I met two people who were poles apart, yet wrestled with the same struggle, achieving their financial dreams. Conversation with them offered me a deeper understanding of the Indian middle-class investors. Both had actively participated in investing through Systematic Investment Plans. Both had been influenced by an external source; and…
How Much Money Do You Really Need for Retirement?
“The goal of retirement is to live off your assets, not on them.” – Benjamin Franklin On a sweet Sunday brunch with my friends, my friend Naina opened up about her father, who had been the soul bread-winner in her family until 8 years ago, and was now nearing his retirement. She was feeling torn…
How to Review Your Financial Plan When Life Changed in 2025
While having tea with my uncle on a Sunday afternoon, I realised that the Indian households don’t ignore their personal finance, they save and invest diligently. My uncle boasted about how timely he’s been paying off all his loans and savings and how he has managed to save a good lump sum amount for his…
5 Money Lessons Every Middle-Class Family Learned in 2025
2025 is finally coming to an end. Financially, this year has marked itself significant in the market, especially for the middle class. It started with hopes for a better future, regular bills, and the regular rhythm. But as the year unfolded, like any other year, its grasp kept tightening. Money no longer felt adequate; people…
Unlocking Employee Satisfaction: The Power of Financial Freedom
Let’s begin by confronting the core question: Is employee satisfaction interlinked with financial freedom? “It is incumbent upon each of us to improve spending and savings practices to ensure our own individual financial security and preserve the collective economic well-being of our great society.” -Ron Lewis Recently, a friend of mine had been looking unusually…