Review of Products, Automation, and No-Action: The Most Underrated Financial Advice

Remember buying a phone, bike, or car. How much time did you spend analysing the product—checking features, prices, taking feedback from friends, or reading online reviews? And how much time do you spend reviewing a financial product? You would probably say this is not an apple-to-apple comparison, or it’s an apple-to-orange comparison. No, I am…

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The hidden risk of early retirement

Financial Independence, Retire Early has revolutionised the way a generation approaches work and finances. But as more parents achieve financial freedom in their 30s and 40s, a troubling question emerges: What happens to our children when they grow up watching us live without traditional financial stress? This isn’t about leaving kids financially unprepared. It’s about…

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Debunking the Index Fund Misconceptions: A Balanced Perspective

Sebi-registered investment advisor Abhishek Kumar offers a balanced, data-driven perspective on a social media post that claimed index funds are “guaranteed” to underperform the market. About the author: Abhishek is part of a freefincal’s curated list of fee-only financial advisors and a fee-only India member. He can be contacted via his website, sahajmoney.com. The “Guaranteed Underperformance” Myth The assertion that…

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Should you port your old health insurance policy to a new policy with more features?

Many people have insurance policies from nationalised companies or other private companies purchased 5 to 10 years ago or earlier. At that time, insurance policies were very standardised, and the major choice that had to be made was about the insurance coverage amount. Over the past few years, private insurers have developed policies with innovative…

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Earning â‚č1.5 Lakh Per Month in a Metro, Yet Feeling Broke: The Harsh Reality

Growing up, earning â‚č1.5 lakh a month in a metro city in India would have been the ultimate dream—a ticket to financial freedom and a glamorous lifestyle for many. But fast-forward to today, and for many young professionals living in metros like Bengaluru, this “dream salary” feels more like a cruel joke. These are my…

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Top RIA Melvin Joseph teaches how to become a SEBI Registered Investment Advisor

Many Freefincal readers have shown interest in becoming a SEBI Registered Investment Advisor to offer unbiased advice to clients and earn a decent income from this. Investment Advisory can be a second career for many DIY investors passionate about helping others manage their finances. As per old SEBI regulations, a postgraduate qualification in finance and…

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Four Things That Can Make a Dent in Your Retirement Corpus

Before getting started, let us try to understand the meaning of the term ‘retirement corpus’. Then, we will move on to discuss the four things that can make a dent in your retirement corpus. About the author: Ajay Pruthi is a fee-only SEBI registered investment advisor. He can be contacted via his website plnr.in. Ajay is part…

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