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Planning for Children's Wedding
As wedding season returns, many of us attend functions and realise how expensive a modern wedding has become. A wedding is not only an emotional milestone but also a major financial milestone for any family. If you have children or plan to have children, preparing for their future wedding expenses should be treated as an important financial goal. Among the major financial goals that families typically plan for, such as buying a home, purchasing a car, taking vacations, fundin

Kaustubh Kale
2 days ago2 min read


SIFs: A Modern Investment Product
A modern long-short investment product is here - one that blends the trust and discipline of mutual funds with the sophisticated flexibility of hedge-fund-style strategies. SEBI’s newly approved Specialised Investment Funds (SIFs) mark the next evolution in wealth-building vehicles for high-net-worth investors. For decades, Indian investors had to choose between two ends of the spectrum - mutual funds, which are long-only, and Portfolio Management Schemes (PMS) / Alternative

Kaustubh Kale
Nov 82 min read


Market Ka Kya Lagta Hai?
“Market ka kya lagta hai?” - this single question echoes everywhere - from office discussions to family WhatsApp groups. Whether the market is rising or falling or consolidating, people never stop asking: what will happen next? But the honest truth is simple - no one really knows. There are two timeless principles that every investor must remember. Truth No. 1 – In the long run, markets go up If you study the history of the stock market you will notice one consistent trend:

Kaustubh Kale
Nov 12 min read


Retirement - Your Biggest Festival
During the recent festive season - Navratri, Dussehra, and Diwali - you must have noticed how expenses tend to surge during these times. Expenses do rise significantly during festivals and vacations. Similarly, retirement, often viewed as the grandest festival and vacation of your life, can bring higher financial demands due to increased free time and completing your wishlist. This is why proper retirement planning is crucial. If not planned properly, you would have to signif

Kaustubh Kale
Oct 252 min read


Gold and Silver Smart Investing
For most Indian households, Dhanteras marks the beginning of Diwali - a day when buying gold or silver is considered auspicious. Beyond the emotional and cultural significance, these metals have been time-tested stores of value, preserving purchasing power through generations. However, in today’s era of convenience and transparency, investors no longer need to buy physical jewellery or coins to participate in the precious metals story. There are far smarter, cost-efficient, a

Kaustubh Kale
Oct 182 min read


Salary Increased? What Next?
Festivals, bonuses, and pay raises often bring smiles, family celebrations, and a sense of achievement. But look closely at how most...

Kaustubh Kale
Oct 112 min read


Dussehra Special: Avoid Listening to 10 Heads
“Duss (10) saron ki sunoge, toh sahi kaise chunoge?” This phrase resonates with the story of Dussehra, where Lord Ram triumphs over...

Kaustubh Kale
Oct 42 min read


Navratri Fasting and Financial Discipline
Navratri is a time when devotion, self-control, and celebration come together. For nine days, people across the country observe fasting,...

Kaustubh Kale
Sep 272 min read


Nine Financial Tips for a Prosperous Navratri
As we approach Navratri, I wish you and your family a joyous and prosperous festive season. Festivals are a time of celebration, but they...

Kaustubh Kale
Sep 202 min read


Multi-Asset Funds: The Smart Investment
When it comes to wealth creation, diversification is critical in finance. That is where multi-asset funds come in, an innovative mutual...

Kaustubh Kale
Sep 132 min read


Four Investing Lessons from Teachers
Every September, we remember our teachers - the ones who shaped our thinking, disciplined our efforts, and instilled in us habits that...

Kaustubh Kale
Sep 62 min read


Vighnas in Your Financial Plan
Every year, when Ganpati Bappa arrives in our homes, we welcome him as the Vighnaharta - the remover of obstacles. We pray for wisdom,...

Kaustubh Kale
Aug 302 min read


Modak and the Art of Investing
As the aroma of freshly steamed Modaks fills homes during the festive season, this humble sweet offers more than just a delectable treat....

Kaustubh Kale
Aug 232 min read


Financial Freedom – India at 78
As India celebrates 78 years of freedom, it’s a perfect time to reflect on another kind of liberation - Financial Freedom. Just as our...

Kaustubh Kale
Aug 162 min read


Power of SWP
Retirement marks a new phase of life - one filled with freedom, and ideally, financial peace. But while your work may stop, expenses...

Kaustubh Kale
Aug 92 min read


The Magic of 0808
If numbers could talk, 8 would speak the language of wealth. And when the date doubles into 8/8, it becomes more than just a day on the...

Kaustubh Kale
Aug 22 min read


Creating Generational Wealth
In a world where financial security often feels elusive for many families, one important truth stands out: it only takes one person to...

Kaustubh Kale
Jul 262 min read


Four Steps to Financial Success
Achieving financial success may seem like a complicated journey, but it does not have to be. While there are countless products...

Kaustubh Kale
Jul 192 min read


Do Not Disrupt the Cooking
If you have ever prepared a really good Indian meal, you know the secret. Follow the recipe, respect the process, and give it time. The...

Kaustubh Kale
Jul 122 min read


Five Action Points for July
With the first half of 2025 now behind us, the time for reflection is here. July marks an important turning point in the calendar year....

Kaustubh Kale
Jul 53 min read
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