May 2023

Podcast – How AA ecosystem can improve reach of investment advice

Harsh’s Podcast and article on AccountAggregator system and how it can help the #InvestmentAdvisory profession shed the tag of being an elitist profession and start catering to the needs of the every Indian who can benefit from the #Fiduciary advise. #AA will bring down the cost and time of collecting authentic data based on client consent and lead to the democratisation of #Investment advice.

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Have realistic expectations from your investments

Clients are always amazed when we tell them that looking at how the investments have fared for them is not the right way to review their continuance or otherwise. Using cricketing analogy Harsh explain why looking at moving long term performance of the investment vis-a-vis its peers is a much better way to review the continuance of any investment – rather than the performance experienced by them. In fact the focus on reviewing investments (reviewing the performance of the selected batsman) takes the focus away from reviewing the performance of the entire plan itself. Harsh’s article in Business Standard.

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High pension recipients can get short-changed in bailouts

Do not transfer large sums of money from your tax free Employee Provident Fund to the Employee Pension Account in the hope of getting a large pension in the future. As per the EPFOs own calculations the deficit was Rs. 15,000 crores as on March 31, 2017. The deficit position for the years ended March 31, 2018 and 2019 has not been released by the government but is likely to be much higher. Even the calculation of the deficit figure has not been made for the last 4 years. A pension fund that has not even calculated its liability is a scary place to invest your hard earned tax free Employee Provident Fund money. Those people depending on government bailout should be aware of the precedents whenever governments have stepped in to protect pensioners – those entitled to larger pensions inevitably get shortchanged in the process”.

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