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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make...

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make sure you have at least six months of living expenses saved in a bank fixed deposit or a debt mutual fund. This reserve will serve as your emergency fund for unforeseen situations and ensures you are prepared for any rainy days. Review Your Asset Allocation Revisit your investments to ensure they align with your goals. For short-term goals within three years, bank fixed deposits, recurring deposits, or debt mutual funds are appropriate. For long-term goals beyond three years, a diversified combination of hybrid/equity mutual funds, direct equities, and gold should be preferred. Do Sufficient SIPs Systematic Investment Plans (SIPs) are the backbone of disciplined investing. At least 25-30 percent of your in-hand monthly income should ideally be invested through SIPs in mutual funds, equities, and gold. This consistent approach will steadily build wealth over time. Make Lumpsum Investments Along with SIPs, voluntary lumpsum contributions into long-term assets whenever you have surplus funds can accelerate wealth creation. Even occasional lumpsum additions make a significant difference to the overall corpus. Increase Your SIPs Annually As your income increases, make sure your investments grow as well. Increasing your SIP amounts every year helps your wealth stay in line with inflation and your rising lifestyle needs. Increase your SIPs yearly and anchor them to at least 30 percent of your monthly income. Stay Invested Remain invested until your financial goals are achieved. Avoid redeeming investments unnecessarily. Frequent withdrawals disrupt compounding. If liquidity is required, consider taking an overdraft loan against your investments rather than breaking them prematurely. Health Insurance Safeguard your family with adequate health insurance. Opt for a minimum cover of 25 lakhs per family member with comprehensive features. Remember that relying only on employer-provided insurance is risky. Independent health insurance is essential. Term Life Insurance Protect your loved ones with a pure term life insurance policy. Ensure a cover of at least ten times your annual income, along with provisions for any outstanding loans. Stay away from mixing insurance with investments. A simple term plan is the most effective solution. Consult a Financial Advisor A full-time, well-qualified financial advisor can simplify your financial journey. Professional guidance ensures disciplined planning, correct product selection, and proper execution of your financial strategy. May this festive season bring abundance and lasting financial peace. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

The Price of Presence

Oct 24, 2025
3 min read

In a world where wealth often speaks louder than wisdom, the quiet ones are rarely heard. We live in times where confidence can be mistaken for competence, and money can masquerade as merit. I’ve often observed two kinds of people — those who silently observe and add value in subtle ways, and those who walk into the room believing their wealth gives them the right to dictate its energy.

The truth is uncomfortable, but undeniable: power dynamics often overshadow potential. Opportunities are lost not because someone lacked talent, but because they lacked the perceived stature to stand beside the powerful. Relationships, too, are often dictated by who can afford to take control — emotionally or financially.


It’s unfair, yes. But it’s also reality.


Yet, there’s a powerful equalizer that doesn’t require deep pockets — it requires presence. Your personal brandis the bridge between how the world sees you and how you deserve to be seen. In boardrooms, at business dinners, or even across social media platforms, perception often becomes your greatest currency.


The quiet observer, when strategically positioned, can outshine even the loudest voice in the room — because credibility, once built, cannot be bought.


Personal branding is not about pretending to be rich or powerful.It’s about communicating your value so clearly that people feel your influence even before you speak. It’s about creating an aura of assurance — that mix of confidence, clarity, and authenticity that makes people stop and pay attention.


Think of it this way: If money buys luxury, presence earns loyalty. If wealth opens doors, branding makes people hold them open for you.


In the business world, many talented founders and professionals lose visibility simply because they underestimate the power of perception. They believe results should speak for themselves — but results need a microphone, and that microphone is your brand.


I’ve worked with business owners who had remarkable ideas but struggled to attract investors, partners, or clients. Not because their work lacked substance — but because their presence didn’t reflect their potential. Once they refined their personal brand — their communication, digital footprint, and executive presence — things shifted almost instantly. Suddenly, they were seen, heard, and remembered.


That’s the true price of presence — it demands intentionality, but it rewards you exponentially.


Because in today’s world, the question is no longer “What do you do?” but “Why should we listen to you?” And that answer lies in your brand — how you show up, how you carry yourself, and how you communicate your worth.


Money may give temporary advantage, but your presence gives you permanent influence.


If you’ve ever felt overlooked, undervalued, or overshadowed — it’s not a lack of capability, it’s a lack of clarity in how your value is positioned. And that’s something you can change starting today.


After all, people don’t pay for what you do. They pay for who you are when you do it.


Many successful business owners I’ve worked with have realised that building a strong personal brand isn’t vanity — it’s strategy.


If you’re ready to stop blending in and start standing out, now’s the time to act. Book a free discovery call with me today and discover how a powerful personal brand can help you attract clients, build authority, and open doors that money alone never could. Because in business, your brand is the one investment that pays dividends long after the deal is done — it’s the smartest business strategy you can invest in.


In order for you to book your free discovery call, you could type the following link in your browser and select an available time slot. The link is mentioned below: https://sprect.com/pro/divyaaadvaani


(The author is a personal branding expert. She has clients from 14+ countries. Views personal.)

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