“Delayed Gratification” taken to extremes is as bad , if not worse, than “Instant Gratification”. Harsh’s article in the business standard on why the “Financially Independent, Retire Early”(FIRE) approach is not meant for everyone. Your comments let us know that you read through his articles 😊
Opt for regular investing over extreme frugality Read More »
Harsh narrates, “Many thoughts crossed my mind before I wrote this article on the mistakes I had committed in the past and the invaluable (and expensive) lessons I had drawn from them. I had always used the lessons with our clients without sharing the specific experience as I was apprehensive about client response on the disclosure. I got the courage to share when I heard a podcast by Rick Kahler a US based financial therapist and financial planner where he narrates about how clients relate to him much better after the disclosure. I will await your feedback.”
Learn to draw lessons from mistakes, then share them Read More »
While it is important to be technically proficient in the investment advisory profession, it is even more important to understand that there are limitations to technical expertise. As the examples cited in Harsh’s article in Business Standard show client’s emotions can completely change the best laid financial plans.
When emotions overrule neatly laid financial plans Read More »
Course wise education loan repayment aggregate data can help lenders, students and even the education institution themselves to take more informed decisions. Harsh’s article in Business Standard on why this aggregate data should be made publicly available to aid better decision making benefitting the entire economy.
Use data on education loan defaults to rank courses Read More »
Upfront transparent disclosure of conflict of interest situation is required under the Investment adviser regulations. In Harsh’s article in business standard, drawing on his personal experience, he write about how this can actually assist in building long term trust with the client. Comments welcome as always.
Transparency as antidote to conflict of interest Read More »
Conscious inaction is patience else it is inertia or laziness – which if coupled with mindless diversification can lead to disappointing outcomes from equity investments.
Time-starved investors must stick to index funds Read More »
Do your children ask you why you do charity even as you claim you cannot afford an expensive holiday? Should you share your financial status with your children? To what extent & when? Harsh Roongta’s article in the business standard on his personal journey in this regard. comments most welcome.
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.
Try an experiment. Think of 5 investors who were active in the stock markets in 1980s/1990s.Check for unclaimed shares/unclaimed dividends in their name on https://bit.ly/3Pf2ffX. You are likely to find some unclaimed assets for your efforts. Harsh Roongta’s article in Business Standard..
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.
Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:
All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.
