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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.)

When Growth Confuses Markets

May 16
3 min read

In business, growth is often associated with expansion. As companies evolve, founders naturally begin exploring additional services, new verticals, and complementary offerings that can strengthen revenue and create larger opportunities. From a business standpoint, this progression appears logical. The entrepreneur sees the connection clearly because the new service often emerges directly from existing expertise.


However, markets do not always interpret expansion the way founders expect them to.


Recently, during a conversation with an entrepreneur, this reality became particularly evident. She explained that despite putting significant effort into growing her business and introducing additional services connected to her current work, she was struggling to attract clients for these newer offerings. What surprised her most was not the lack of effort being made, but the lack of understanding from the market itself.


People were becoming uncertain. Existing clients no longer clearly understood what exactly she should now be known for. And in business, the moment perception becomes unclear, trust begins weakening faster than most founders realise. The services were related, the value proposition made sense internally, and from her perspective the transition felt natural. Yet externally, the audience struggled to clearly understand what exactly she now represented. Existing clients knew her for one thing, while her newer positioning was attempting to communicate something broader.


This is becoming increasingly common among founders and business owners operating at substantial levels of turnover.


At earlier stages of business, growth is often driven by activity. More services, more offerings, and more visibility appear to create momentum. But as businesses scale, particularly beyond the ₹5 crore mark, perception begins playing a far more significant role in determining growth.


The challenge is not always capability. Very often, the challenge is clarity.


Many entrepreneurs underestimate how quickly confusion weakens trust. Audiences today process information rapidly and make judgments even faster. They do not spend long periods trying to decode a founder’s positioning. The moment the messaging feels inconsistent or overly broad, attention begins to drift elsewhere.


This creates a hidden business problem that many founders fail to recognise immediately.


The entrepreneur continues investing more effort. More meetings are scheduled, more marketing is executed, more content is created, and more explanations are repeatedly given to the market. Yet despite all this activity, conversions remain inconsistent because the underlying issue has not been addressed.


The market does not clearly understand where to place the individual. This is where personal branding becomes a business necessity rather than a visibility exercise.


A strong personal brand creates strategic clarity. It allows people to immediately understand not only what an entrepreneur does, but why the additional services make sense within the larger


identity of the founder and the business itself. Without this alignment, even valuable offerings begin to feel disconnected. Over time, this confusion creates broader consequences.


Opportunities become slower to materialise. Referrals reduce because people struggle to explain the business clearly to others. Premium positioning weakens because clarity is directly connected to authority. In many cases, founders begin questioning their marketing strategies when the actual issue lies in how their positioning is being perceived.


This becomes particularly dangerous in today’s environment where visibility is abundant but attention is limited.


The founders who continue to grow are rarely the ones trying to communicate everything simultaneously. They are the ones who build a clear identity first and then strategically expand around it. Their audience understands not only what they currently offer, but also why future offerings naturally belong within their ecosystem.


This distinction changes everything. Because in business, people rarely buy what confuses them. They buy what they can quickly understand and confidently trust.


For founders and business owners who feel they are putting in increasing effort yet still struggling to position newer services effectively, this may be an important moment for reflection. Sometimes the issue is not the quality of the offering, but the clarity of the perception surrounding it. I work with a select group of founders and entrepreneurs to help them identify these positioning gaps, refine how they are perceived in the market, and build personal brands that create stronger authority, trust, and business growth. Those who wish to explore this further may book a complimentary 30-minute Founder Brand Audit here: https://calendly.com/divyaaadvaani/founder-brand-audit


In the end, businesses rarely lose only because of weak services. Increasingly, they lose because the market understands someone else faster. In a world overwhelmed by options, clarity is no longer just a branding advantage. It is becoming one of the strongest competitive advantages a founder can build.


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

Views personal.)



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