We all remember Rajesh Khanna belting out ‘Zindagi Ke Safar Mein Guzar jaate jo mukam, woh phir nahi aatein’ and he was right! Our life is a mixture of the good and the bad decisions we make. But there is one thing that keeps us on our toes. There is one thing that keeps us…

Indian parents. Or what you call that species of human beings for whom you will always be a baby in your diapers, no matter how old you get and what great things you achieve in life. Or the ones who will always be there to help you navigate through life and at the same time…

In a Consultation Paper on Review of Regulatory Framework for Investment Advisers and Research Analysts dated Aug 6th 2024, SEBI has proposed the concept of a part-time investment advisor and research analyst. The comments on this paper closed on Aug 26th 2024. It is quite likely that it shall come to pass. A recent news…

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…

Indians are known to work hard to earn their money. They are equally famous for knowing exactly how to spend it! There are no lies in that statement. We are known to be efficiently frugal. Some of that we have learned through trial and error, but most of our financial knowledge has been passed down…

Among most married Indian couples, it is common to see one spouse take complete charge of money matters. The other spouse is usually a lot less involved in this regard. There may be various reasons for this. Regardless, it is still vitally important for both spouses to be aware of certain key aspects of the…

Believe it or not, five emotional missteps can lead most individuals to commit common financial errors. It may sound unbelievable, but let’s delve into these mistakes individually. If you are susceptible to these mistakes, I urge you to read on until the end. Despite how trivial it may seem, there is a solution to these…

What is that one thing we married Indians cannot escape? No, the answer is not annoying big-nosed dur-ke-rishtedar always minding our business and never their own and not that mohalle wali aunty always peeking into our houses and eavesdropping for the weekly neighbourhood gossip!  It’s the constant question of ‘ When are you having a…

Hiring a professional financial advisor has become a common trend due to the increasing hype and importance of financial planning. Moreover, the upsurge in the demand for financial planners has resulted from rampant online promotion. You also must have come across various promotional posts encouraging users to hire Fixed Fee Comprehensive Financial Planner in India….

I’ve recently started earning, and while my salary isn’t substantial, I’m eager to dive into investing. However, I’m uncertain whether the monthly investment amount I can invest will be sufficient to reach my financial goals. This dilemma isn’t unique to me, so I’ve decided to explore this topic further by writing an article. The solutions…

I wrote an article on the investment options if a person is moving to the USA. You can read it here – What should I do with my investments if I wish to move to the U.S.? The article gave me the idea of writing an article if the person is moving to Middle Eastern countries….

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’…