This is the archive of all our articles related to fee-only India and SEBI registered fee-only investment advisors
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…
Continue reading →In this article, Melvin Joseph, one of India’s first fee-only financial planners and SEBI-registered investment advisors, shares his experiences over a 12-year career. While I was trying to build a list of fee-only financial planners in 2013, it was by sheer chance that I encountered Melvin Joseph’s post on Facebook. Someone had asked him about mutual…
Continue reading →A reader who prefers anonymity asks, “I would like to become a SEBI registered fee-only advisor. However many people in financial services have discouraged me. They either ask me to do something else or become a commission-based advisor or charge a fee based on the AUM of the client. I find these models unappealing. I…
Continue reading →The top three personal finance blunders are, not saving enough for retirement; making too high an allocation to equity; and using high-fee financial products/services. Case studies help to illustrate how difficult these decisions are. About the author: Avinash Luthria is Founder, Hourly-Fee Financial Planner & SEBI Registered Investment Adviser (RIA) at Fiduciaries. He was previously a Private…
Continue reading →Asan Ideas for Wealth (AIFW) is a personal finance group on Facebook. It is on the threshold of a major milestone – one lakh members. In this article, we trace the growth of its membership and how it has helped members manage money better. The group is owned by its sole admin – the one…
Continue reading →HourlyFee.org is the new initiative by SEBI Registered Investment Advisor, Avinash Luthria for US-based NRIs to find a financial planner free from conflict of interest. Avinash is the first Indian hourly fee financial planner (explained below). In this article, he explains in detail about the new website. About the author: Avinash Luthria is Founder, Hourly-Fee Financial…
Continue reading →In this article, SEBI registered fee-only advisor Swapnil Kendhe explains why it makes sense for most of us to become defensive (passive) investors. 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…
Continue reading →This article discusses why SEBI needs to categorize investment advisors like mutual funds as there is considerable confusion among investors. It has been almost nine years since the SEBI investment advisor regulations came into force. In essence, the rules mean that a person or entity has to be registered with SEBI to provide investment advice…
Continue reading →In this article, SEBI registered fee-only advisor Swapnil Kendhe explains why and how he uses the unified portfolio approach (one portfolio for all goals similar in duration) to manage his money and that of his clients. About the author: Swapnil is a SEBI Registered Investment Advisor and part of my fee-only financial planners’ list. You…
Continue reading →We had recently surveyed clients of SEBI registered fee-only investment advisors and obtained 685 responses. These are the results and a discussion of key learnings. We thank everyone who has participated in this survey. Your contribution will make a big difference in improving fee-only advisor (FOA) services and client-advisor relations. Two types of questions were…
Continue reading →SEBI has recently announced several important changes to its investment advisor regulations. Many freefincal readers and Facebook group Asan Ideas for Wealth members have played a role in influencing these changes. SEBI registered investment advisor Avinash Luthria explains what these changes are and how it would impact you.
Continue reading →A natural, emerging question among investors looking for professional help from a SEBI registered fee-only advisor is, “If the financial planner only recommends index funds, why should I engage with him?” We requested SEBI Registered Investment Advisor Swapnil Kendhe to explain the nature of the financial planning process and what clients are actually paying for.
Continue reading →SEBI has taken big steps to remove the conflict of interest in advisors. Thank you to all those who write to SEBI opposing key changes in their consultation paper!
Continue reading →27-year old Deepsh asks why is it so hard to find a financial advisor who is a fiduciary financial advisor! His email form this edition of reader story
Continue reading →The latest IA guidelines from SEBI would adversely affect Individual, Fee-only Planners. SEBI Registered investment adviser explains why this is so and how a fee-only model is superior to an asset-based model.
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