Financial markets are never completely stable. Periods of growth are often followed by phases of uncertainty, corrections, and volatility. For many investors, these fluctuations trigger anxiety and sometimes even panic. However, experienced investors understand one important principle: market volatility is normal. In fact, volatility is not something investors should fear. Instead, it is an essential […]
After serving the nation for more than two decades, a retired Indian Army officer approached MoneyWorks4U with the same discipline and clarity that defined his military career. Having recently retired, he received a sizeable retirement corpus along with accumulated savings through provident fund and other sources. However, his biggest concern was not just investing money […]
We plan weddings for months. We plan pregnancies. We plan family vacations down to the hotel and the itinerary.But most Indian women have never once planned for their own financial future.Not because they are not smart enough. Not because they do not care. But because nobody ever told them it was their responsibility too.This Women’s […]
For many corporate professionals, ESOPs feel like a reward for loyalty. They symbolize growth, trust, and long-term success. But sometimes, loyalty can quietly turn into risk. Let me share a real case. The Client Story A 35-year-old IT professional working at Accenture had accumulated 800 shares over the years through ESOPs. She had built her […]
One of our clients from Gujarat, based in Ahmedabad, comes from a family deeply involved in real estate and business. His family owns multiple properties spread across Gujarat — commercial spaces, residential units, plots, agricultural land, and different types of properties in multiple cities. Most of these properties were originally acquired by his father over […]
Indian investors today have more choices than ever before. With easy access to trading apps, market news and social media tips, direct equity investing has become extremely popular. At the same time, mutual funds continue to attract steady inflows through SIPs and long-term investing. This raises an important question for investors:Should you invest in mutual […]
Although I was working for a bank from 2006 I started my career as a wealth manager in 2009. I remember my early days as Wealth manager UPA came to power and Nifty hit upper circuit.During my stint at the bank wealth mgmt from 2009 to 2014 most of the clients were very scared to […]
2 yrs back in June 2022 when Nifty was at 15000 odd levels everyone was talking about macros and today no one is talking about it. I thought of wearing the macro lens and try to understand economic cycles from Keynesian lens and see where India stands today. There are 4 phase in an Economic […]
5 yrs after writing a bullish post calling for a big broad based upmove I want to now play the devil’s advocate by creating a counter narrative to the prevailing narrative across sectors. Please note this is not my market view, I am playing the devil’s advocate here. What markets will do will probably lie […]
For a long time I wanted to write my views on Financial Media. This week I read a blog by one of the best fund managers in the world Howard Marks about ‘Expert Opinion’ & took inspiration from it to write this blog. I urge you to read the original blog from this link. https://www.oaktreecapital.com/insights/howard-marks-memos. It’s […]
