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What comes to mind when you think about liabilities? Is it visions of overdue bills, crushing loans, angry creditors; or more reassuring thoughts of buying a home, studying abroad, growing your business? Both scenarios are possible, but your understanding of liabilities is what determines your ability to manage them, as well as your propensity to […]

The Irish call it a Claddagh ring. It’s a pretty ring: two hands clasping a heart, which has a crown affixed to it. The lady at the souvenir shop tells me the heart symbolises love; the hands, friendship; and the crown, loyalty. The rings are worn in a particular way depending on your ‘status’ in

At the outset, as you begin your journey with us, we want to share our biggest strength with you: people. Financial services today are more accessible and automated than ever before. Fintech companies have revolutionised the way we pay our bills, shop for goods, and generally go about our lives. But while their products are

The world as we know it as adults is often viewed through the prism of our childhood experiences and memories, which may also reflect in the relationship you currently have with your money. Money is a complicated but fascinating object in our everyday lives. Our first brush of informal knowledge about it is through interactions

Traditional financial theory assumes that investors with access to complete market information make decisions based on rational factors and accurate calculations. But for decades, psychologists and economists working in the field of behavioural finance have identified loopholes in this concept. Their findings suggest that real market scenarios leave investors vulnerable and contradict rational decision-making patterns.

“Mutual fund investments are subject to market risks, read all scheme-related documents carefully.” This all-too familiar warning was made mandatory in all audio-visual advertisements for mutual funds in 2013 by SEBI, the securities regulator in India. The boom in the financial markets around that time ensured that we were exposed to advertisements for mutual funds

Early in our lives, my husband and I had decided one thing: we would not live to pay loans. It was a conscious choice. We were doing well, we could afford most things that we wanted, and we didn’t want to borrow money to buy what we couldn’t afford. Case in point: a house. I

Imagine you’re feeling unwell—you’d go to a doctor, right? Or if your car breaks down, you’d visit a mechanic. In the same way, when it comes to investing in securities and mutual funds, it’s wise to consult a SEBI Registered Investment Advisor ( SEBI RIA). But who exactly is a SEBI RIA, and why is

Surrendering a life insurance policy with the Life Insurance Corporation (LIC) of India involves a structured process where the policyholder needs to submit specific documents to the insurance company. These documents are essential to verify the policyholder’s identity, ensure the validity of the surrender request, and facilitate the transfer of the surrender value. Additionally, using