Why is it so hard to find a fiduciary financial advisor?
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
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Why SEBI could kill off Fixed-Fee-Only Fin Planning & Jack Bogle’s legacy
If an individual Fixed-Fee-Only RIA engages with a client with a net worth of Rs 40 cr, then the RIA may have to live at below the official poverty line! SEBI RIA Avinash Luthria explains why SEBI’s new RIA regulations on the anvil can do more harm than good
Continue reading →Debt Mutual Fund Categories Explained For Retail Investors
Debt mutual fund categories are explained in simple language. Retail investors can use them to understand when to use which category. This is part three of a three-part series by SEBI RIA Swapnil Kendhe
Continue reading →Three Key Mutual Fund Terms All Retail Investors Should Know
Whether you hold equity-oriented mutual funds or debt-oriented mutual funds, here are three key mutual fund terms all retail investors should know. This is part two of a three-part series by SEBI RIA Swapnil Kendhe
Continue reading →Basics of Debt Mutual Funds Explained for New Investors
Debt mutual funds need not be hard-to-understand products. Here are the basics that every retail investor should know before investing or avoiding debt mutual funds! This is part one of a three-part series.
Continue reading →What 100 plus New Equity Mutual Fund Investors Learnt Since 2017!
I asked new mutual fund investors of FB group Asan Ideas for Wealth on 12th Sep 2019, “What have you learnt by investing in equity mutual funds over the last couple of years?” New mutual fund investors were defined as those who started investing from Jan 2017 or later. A total of 115 members shared…
Continue reading →Everything you need to know about equity portfolio construction
This is a step by step guide on equity portfolio construction for retail investors with a listing of options available and pros and cons of each by SEBI Registered Investment Advisor Swapnil Kendhe who is part of my list of fee-only financial planners. Swapnil is a familiar name to regular readers. Swapnil’s website is Vivektaru. You can…
Continue reading →Are clients happy with fee-only financial advisors: Survey Results
As readers may be aware, for the last six years I have been maintaining a list of SEBI registered fee-only financial advisors. It is a matter of great pride that hundreds of freefincal readers work with these fee-only advisors (FOAs). Recently I had requested such clients to complete a feedback form. Here are the results….
Continue reading →Should Mutual Fund Distributors become SEBI Registered Investment Advisors?
“What is your honest advice to friends in the MF distributor community? Do you suggest that it might be better for us to turn into fee-only financial planners or SEBI registered investment advisers?” This is a question asked on Youtube and think the best person to answer it is, Swapnil Kendhe, who successfully transitioned from…
Continue reading →Reader Story: My Mutual Fund Journey
This week on reader story, Shashank Bisen talks about his mutual fund investing journey. Reader story is a series where freefincal readers talk about how they have managed money over the years and how their approach and attitude has changed. You can access the full archive of all past posts. If you are interested in…
Continue reading →Becoming a competent & effective financial advisor: My journey so far
In this guest post, fee-only SEBI registered investment advisor, Swapnil Kendhe discusses his ongoing journey towards becoming a competent and effective financial advisor. One of the first lessons that my PhD supervisor taught me is, “do not get satisfied too easily in life”. Swapnil is the epitome of this saying, continually pushing himself to know…
Continue reading →Pure Fee-only Advisors are Growing in Number! Your support is the reason!
On Dec 9th, 2018, Fee-Only India, a community of SEBI registered pure fee-only advisors met in Bangalore (pictures below). As patrons of fee-only financial planning, they invited Ashal and me. This is the third fee-only meet and the second this year. The first was in Sep 2017 at Mumbai, the second in March at Hyderabad. It…
Continue reading →My father will be retiring with 40 lakhs how should he invest?
More and more young earners are asking questions such as “My father will be retiring with 40 lakhs how should he invest?” Let us discuss strategies of retirement planning for senior citizens. Here is how your parents can invest their nest egg after retirement. As an example, I consider a question asked by a reader…
Continue reading →Looking for a fee-only financial planner? Here is a list of questions to ask before you sign up
If you are looking for someone to advise you on money management, then you should sign up with a fee-only financial planner – an investment advisor registered with SEBI – who does not get commissions from any agency and works only for you. Hundreds of readers have engaged the advisors from the freefincal List of Fee-only Financial…
Continue reading →SEBI Registered Investment Adviser Application Process: step by step guide
This is a detailed step by step guide to the SEBI Registered Investment Adviser Application Process under SEBI(Investment Advisers) Regulations 2013. It will help anyone with the necessary qualifications (see below) to apply for SEBI RIA certification. This post is authored by Swapnil Kendhe a successful SEBI RIA. His website is vivektaru. One of the first…
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