Before you start building wealth through SIPs, mutual funds, or stocks, the first pillar of financial planning should always be health insurance. Most people ignore it, considering it an expense rather than an investment. Yet, medical emergencies can erase years of savings in one go. Health insurance isn’t about returns; …

You’ve worked for decades and built a retirement corpus of ₹1 crore — now the question is, how do you make it last while generating a steady income? Many assume ₹1 crore is more than enough, but inflation, lifestyle costs, and longevity can quickly erode purchasing power. Let’s explore practical, …

Introduction: Value Investing In today’s fast-paced market, where investors chase quick returns, value investing stands apart as a disciplined and proven approach. Popularized by Benjamin Graham and Warren Buffett, it focuses on identifying undervalued companies with strong fundamentals. What is Value Investing? Value investing means buying stocks that trade below …

Recalibrating Fixed Income Strategy: What Banks Are Doing — And What Smart Investors Should Actually Do Rajat Dhar (MDRT – COT, USA), Managing Partner 📍 Executive Summary The recent headlines around banks aggressively purchasing short-duration AAA-rated corporate bonds have triggered investor curiosity. But the real question for High Net Worth …

Dear Investor, Yesterday, one of India’s top NBFCs slashed their fixed deposit rates by 0.42% for senior citizen women. This may seem like a small technical move. But here’s the real financial impact: Parameter Before (June 25, 2025) After (June 26, 2025) Interest Rate (60 months) 8.65% 8.23% Effective Yield …

Gold as Strategic Portfolio Insurance: A Pragmatic View for HNIs & Retirees By Rajat Dhar, Managing Partner, Finogent Solutions LLP 🌍 Gold’s Resurgence Isn’t Accidental – It’s Structural In April 2025, gold touched a historic high of $3,500/oz, with projections by JP Morgan now pointing toward $4,000/oz by mid-2026. This …

Introduction: The Tariff Tunnel Vision By Rajat Dhar, Finogent Solutions LLP In recent weeks, global markets have been abuzz with headlines around Trump-era tariffs, rising protectionism, and mounting geopolitical tensions. Yet, despite all this noise, Indian equities—especially beyond banking—remain richly valued. This disconnect prompts a larger question: Are tariffs really …

HDFC Bank Reduces Lending Rates: How It Impacts Borrowers and Investors In a timely move ahead of the Reserve Bank of India’s (RBI) upcoming monetary policy meeting, HDFC Bank has reduced its Marginal Cost of Funds-based Lending Rate (MCLR) by 10 basis points (bps) across tenures. Effective from Monday, the …

FIIs Turn Net Buyers: What This Means for Indian Markets and Investors The Indian stock market witnessed a significant shift last week as Foreign Institutional Investors (FIIs) turned net buyers for the first time in three weeks, while Domestic Institutional Investors (DIIs) booked profits. This role reversal signals changing market …

Insurance GST Reduction: A Relief for Policyholders? The cost of insurance in India has long been a topic of debate, particularly regarding the Goods and Services Tax (GST) applied to insurance premiums. With rising financial awareness and the increasing need for comprehensive insurance coverage, the government is now considering a …