Kaustubh Kale

As Adhik Maas comes to a close, it is the right time to reflect on the deeper meaning of this sacred month. Adhik Maas, also known as Purushottam Maas, is dedicated to Lord Vishnu and is considered one of the most auspicious periods in the Hindu calendar. It is a month associated with prayer, discipline, reflection, charity and positive action. Why Adhik Maas Is Added Adhik Maas occurs roughly once every three years. The traditional Hindu calendar is lunisolar, which means it follows lunar...

In financial planning, most people focus on returns. They want to know which mutual fund to buy, which stock can grow, or where they can earn the highest return. But before chasing returns, one important question must be asked: is your family financially protected if something unexpected happens? Life Is About Probability The probability of facing dengue, malaria, cancer, liver issues, kidney problems, heart issues, an accident, or any major medical emergency may not be 100%, but it is...

One of the most common questions investors ask is: “Which investment should I choose?” The real answer is that no investment is good or bad in isolation. A simple way to judge any investment is the RRLT framework - Risk, Return, Liquidity and Time Period. Before investing in any product, all four factors should be seen together. 1. Return Return is the reward you expect from the investment. It may come in the form of interest, dividend, capital appreciation or regular income. Naturally, every...