Team FeeOnly

Podcast: Paisa Vaisa – Choosing the Right Financial Advisor

Personal Finance, Video / By /

Harsh shares his beginning from being a Chartered Accountant to becoming a full-time Financial Advisor. Anupam and Harsh further discuss consumer-centric financial advice and the key roles of a good financial advisor. They speak about the essentiality of a GOAL oriented approach in financial planning and moving beyond numbers while establishing a deep, personal and emotional relationship with the client to develop the right financial plan!

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Regulation is inadequate protection against greed

Personal Finance, Press / By /

A well regulated market is good for any Business or Profession as it imparts confidence to consumers and leads to orderly development of market for that product or service. Overregulation increases compliance costs and drives smaller players out of the market. It also leads to some players shifting to low or zero regulation markets.
Harsh Roongta’s article in Business Standard today. 😀

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Run numbers, you may have enough to quit

Financial, Personal Finance, Press / By /

Many professionals already have the required F*** Y** fund if only they would do the calculations. Like huge elephants who are conditioned to believe they cannot break free from the short ropes that hold them they continue on the treadmill. One of the biggest pleasures of our advisory profession is to see the light go up in our clients eyes as they realise they can pursue the lifestyle that they had been dreaming of. Harsh Roongta’s article in Business Standard today . Your comments are welcome as usual.

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Maximising returns can harm financial health

Financial, Personal Finance, Press / By /

Trying to maximise returns can be injurious to your financial health. Harsh’s article in Business Standard today uses cricket analogy on why the decision-making process (even if the outcome is not the highest) is more important than just a successful outcome. When our ancestors lived in the jungles the outcome of one mistake meant instant death. Hence the need to always be right is baked into our evolutionary consciousness. But in investing you don’t need to be always right. Being mostly right is sufficient. “I would want this batsman to be in the team” said one of the selectors cited in the article. “Only if I was the captain of the opposite side” he went on to add. 😊 . He enjoys receiving your comments and suggestions and will respond to queries as quickly as he can.

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Make nomination the third route of succession

Governments, Press / By /

Harsh participated in a panel discussion organised by the Department of Economic Affairs & SEBI on June 8 @ Vigyan Bhavan, New Delhi. It was part of the Azadi Ka Amrit Mahotsav celebrating 75 years of independence. FM Nirmala Sitaraman also spoke at the event. All the panelists including Harsh had the privilege of meeting her for a brief interaction before she spoke at the event.
The panel discussion was on “The growth of retails investors and the challenges in being an informed investor” . The article in Business Standard has the gist of the talk by me primarily on the need to change the laws just like the 2015 amendment in the Life Insurance Act to make succession the third route of succession. The Indian Citizens need an easy, quick and economical succession route for their assets to free them from the tyranny of their personal laws or wills both of which involve long, tedious, expensive Tarikh pe Tarikh court process.

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Landmark reforms: Costs for some, benefits for all

Financial, Personal Finance, Press / By /

The 100% made in India Account Aggregator framework once active will transform India by giving the citizen power over her own data and allowing digitisation and speedy reforms. But like the credit bureau reforms it may take a long time in having an impact because existing players will see costs and benefits will be for everyone. India cannot wait for a decade and in Harsh’s article in business standard he write about how the financial sector regulators need to set a firm date for IPs to comply. India needs to hasten the slow pace of furious change. Your comments are welcome.

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.