Investing

In the last few years, Indian capital markets have witnessed an IPO boom — from tech unicorns to fintech disruptors, companies have attracted retail investors in droves. While listing-day excitement and social media chatter often dominate attention, what’s less discussed is the behavioral trap behind many of these investment decisions: mental accounting bias. This cognitive […]

In the landscape of personal finance, the gap between intention and action is often wide. While most individuals aspire to save more, invest wisely, and achieve long-term financial independence, behavioral biases frequently derail these well-meaning intentions. Emotions such as fear, overconfidence, and impulsivity create decision-making errors that traditional economic models fail to account for. Fortunately,

Imagine a person who firmly believes that a particular diet is the healthiest way to live. When searching online, they click only on articles that support their view, ignoring medical studies or expert advice suggesting otherwise. Over time, their belief becomes more deeply entrenched—not because it is correct, but because they have surrounded themselves with

In a world where investment platforms offer real-time access to the markets and social media amplifies every financial success story, it’s no surprise that the gap between rational investing and emotional behavior continues to widen. Traditionally, investment theory presumes that investors make decisions based on logic, facts, and expected returns. However, behavioral finance offers a

The architecture of a sound financial plan must be rooted not only in mathematical precision but also in the psychological realities of human decision-making. While traditional finance has long extolled the virtues of risk-return optimization and diversification, the lived experience of investors reveals a different truth — that emotions, fears, mental frameworks, and cognitive heuristics

Every few weeks, a headline flashes that shakes investor confidence: “Markets plunge 800 points on global cues,” “Oil prices surge amid conflict,” or “RBI keeps repo rate unchanged, markets unimpressed.” In such moments, it’s natural to feel anxious. But as a behavioral finance expert and wealth advisor, let me tell you this: markets may move

Among the many principles that govern long-term wealth creation, compounding holds a particularly revered status—one that has led even Albert Einstein to allegedly describe it as the “eighth wonder of the world.” Whether or not he ever made that statement is immaterial; the truth it conveys remains unchallenged. Compounding is not merely a mathematical function—it

When it comes to managing money, most people assume that financial success is all about earning more, investing better, or budgeting smarter. While those are important, there’s something even more fundamental that often goes unnoticed: your behavior with money. Whether you tend to spend impulsively or save compulsively, your financial behavior shapes your future far

India’s financial landscape is evolving rapidly. The past two years have seen an unprecedented rise in young investors entering equity markets, mutual funds, and digital platforms. According to data from the National Stock Exchange (NSE), over 28 million new demat accounts were opened in FY 2023–24, with a significant portion attributed to individuals under 30 (NSE India, 2024). But

India’s investment ecosystem is undergoing a subtle but significant transformation. While active management has long been the dominant force in the mutual fund landscape, a quiet revolution is now taking root in the form of passive investing. Defined by its long-term orientation, cost-efficiency, and strategy of mirroring market indices rather than outperforming them, passive investing