“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 »
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 »
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!
Podcast: Paisa Vaisa – Choosing the Right Financial Advisor 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 »
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.
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.
Harsh really love this article written by him that appeared on Thursday March 19, 2020 a few days before the single day Junta curfew imposed on Sunday March 22, 2020 and the covid lockdown that commenced from Wednesday March 25 , 2020. I vividly remember the atmosphere during that time and the pall of fear and uncertainity surrounding everything that we had always taken for granted till then.
The atmosphere was such that one doubted long held principles in the face of the completely unprecedented situation. I am proud of the fact that the introspection under tremendous pressure helped him to decide to stick to his pre set rules . Now in hindsight the article makes me appear prescient 🙂 but it was a scary ride at that time. As He wrote – courage is not the absence of fear but the ability to act despite the fear 🙂
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/.
