This week on fee-only advisor journey, we showcase Swapnil Kendhe’s successful transition from corporate executive to insurance and mutual fund salesman to a fee-only SEBI registered investment advisor (RIA). Swapnil is part of both fee-only India – an association of fee-only financial planners and the freefincal list of fee-only RIAs. As someone who has witnessed part…
Continue reading →Regular readers may know that freefincal curates a list of SEBI-registered financial advisors that charge clients a flat fee. That is, the fee is independent of a client’s net worth and does not increase as the client’s wealth grows. The curated list is more than 10 years old and was created before the SEBI investment…
Continue reading →SEBI-registered flat fee-only advisor Swapnil Kendhe discusses a way to manage your corpus after financial independence and early retirement. This is a sequel to his recently published article, The pitfalls of conventional retirement planning calculations. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’…
Continue reading →SEBI-registered flat fee-only advisor Swapnil Kendhe explains the pitfalls of conventional retirement planning calculations. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’ list. You can learn more about him and his service via his website, Vivektaru. His story: Becoming a competent & capable financial advisor:…
Continue reading →A significant realisation strikes us as we complete our college education and enter the workforce. We discover what our school and college peers are up to, their lifestyles, probable income, and more. We start to determine our relative position in life. So, what should a relatively young individual with a “low income” do to reach…
Continue reading →We recently recorded an episode on women and investing for the Let’s Get Rich with Pattu podcast (it should be released when this article is published). As I prepared for it, I realised that it was my fault that my wife was not interested in personal finance. My wife says, “As long as I have…
Continue reading →In this article, SEBI-registered flat fee-only financial advisor Swapnil Kendhe discusses how we can implement a unified portfolio approach for all our long-term goals. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’ list. You can learn more about him and his…
Continue reading →We recently ran a survey for clients of fee-only advisors who are part of Freefincal’s curated list and fee-only India – 964 clients have participated. A healthy trend has emerged that warrants our attention, and we strongly believe any further response would only strengthen it. We shall discuss answers to two survey questions in this…
Continue reading →In this article, SEBI-registered flat fee-only investment advisor, Swapnil Kendhe, addresses common misconceptions about index investing that passive investors should ignore. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’ list. You can learn more about him and his service via…
Continue reading →Fee-only India (FOI) is a group of SEBI Registered Investment Advisors (RIA) and Financial Planners who only charge a flat fee (independent of the client’s assets, aka fixed fee). The group meets once or twice yearly to help build the advisory service. The last meeting was on June 24th and 25th, 2023. SEBI RIA Swapnil…
Continue reading →We recently ran an anonymous survey for clients of fee-only advisors who are part of Freefincal’s curated list and fee-only India – 964 clients have participated. Swapnil Kendhe is one of the most sought-after advisors on our list. One hundred fifteen of his clients participated in the list, and 97% had the most wonderful things…
Continue reading →In this article, SEBI registered fee-only advisor Swapnil Kendhe explains all the things related to debt mutual funds that retail investors should understand if they want to make informed decisions appropriate for their financial goals. About the author: Swapnil Kendhe is a SEBI Registered Investment Advisor and part of my list of fee-only financial planners. You…
Continue reading →In this article, I expound my opinion that a single robo advisor exclusively built for a single advisor or trained with a single advisor (in the case of machine learning) can assist that advisor given enough time, input and practice. A few weeks back, SEBI RIA Swapnil Kende wrote an eloquent piece on Why good quality…
Continue reading →Your eligibility is the first aspect to consider when discussing higher EPS pension. It is not open to everyone who retired after Sep 2014 or are still in service. See: Are you really eligible for higher EPS pension? EPFO circular clarifies (also see below). Once you have convinced yourself that you are eligible (see conditions below),…
Continue reading →In this article, SEBI-registered fee-only financial planner Swapnil Kendhe explains why he believes good financial planning advice does not scale. About the author: Swapnil is a SEBI Registered Investment Advisor and part of my fee-only financial planners’ list. You can learn more about him and his service via his website, Vivektaru. In the recently conducted…
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