Investing Insights
With over 2 decades of experience in the investment industry, Harsh is considered a subject matter expert in personal finance and has a keen interest towards the behavioral side of investing.
FinEdge’s bionic business model and its tech investment platform, Dreams into Actions (DiA), has been conceptualized by Harsh and enables the unique ability of FinEdge to bring the best of processes, people and technology together to deliver tangible value to investors.
Before founding FinEdge in 2011, he has worked extensively in the wealth management & private banking space with Standard Chartered Bank, Religare Macquarie & Dawnay Day AV.
Harsh is an MBA from Symbiosis Institute of Management Studies (Pune) and completed his BCom (Honours) from Hansraj College (New Delhi). Most of his schooling was done in Army Schools (APS – Dhaula Kuan).
Tactical vs Strategic Asset Allocation: Which Approach Fits Your Investment Journey?
Choosing between tactical and strategic asset allocation can shape your wealth journey. The right approach depends on whether you value flexibility or long-term discipline.
Specialised Investment Funds (SIFs): What Investors Should Know Before Investing
Specialised Investment Funds (SIFs) are being hailed as the “next big thing” in investing. But are they really a smart choice for you? This guide breaks down what SIFs are, how they compare with MFs, PMS, and AIFs, and whether they truly deserve a place in your portfolio.
Mutual Fund vs. Fixed Deposit Returns Over 10 Years: The Data Speaks
Fixed deposits promise safety and certainty, while mutual funds offer growth and wealth creation. But when you look at 10 years of data, the difference in outcomes is striking, especially once inflation and taxes are considered.
Planning Your Child’s Education Abroad: A Financial Roadmap
Sending your child abroad for higher education? Here’s a step-by-step plan to help you turn aspiration into action.
Step-Up SIP vs. Regular SIP: Which One Builds More Wealth?
Explore how Step-Up SIPs, small annual increases, can make a big difference when you're saving for major life goals.
Direct vs Regular Mutual Funds: What Investors Often Get Wrong
Are regular mutual funds really more expensive? Or is there more to the story?
Bionic Investing in India: The Future of Personalized Wealth Creation
Investing in India is evolving, but not in the way you might think. While digital platforms and robo-advisors offer convenience, they often fall short in understanding investor behavior and goals. That’s where bionic investing in India steps in - a powerful model where human insight and technology come together to deliver long-term, personalized wealth creation.
Why Most Investors Underperform Their Investments (Returns Gap Explained)
Many investors fail to achieve the full potential of their investments, not because they chose the wrong funds, but because of how they behave during market ups and downs. This difference in expected vs. actual returns is called the returns gap, and understanding it is crucial for long-term success.
How to Categorise Financial Goals: Short, Medium, and Long-Term Goals Explained
Before we get into strategies and structures, it’s important to understand the value of categorising financial goals. Every individual has a unique set of aspirations, but not all goals carry the same urgency or impact. By breaking them down clearly, you can build a systematic, purpose-driven investment plan tailored to your life.
What are the Different Types of SIPs? How to Use Step-Up SIP to Reach Your Financial Goals Faster
SIPs (Systematic Investment Plans) are a cornerstone of goal-based investing in India. But did you know that there’s more than one type of SIP? From the simplicity of Regular SIPs to the adaptability of Flexible SIPs, and the acceleration potential of Step-Up SIPs, there’s a strategy for every kind of investor. In this blog, we’ll explain the different types of SIPs and show you how a Step-Up SIP could help you reach your financial goals faster.
Benefits of ELSS Investment for the Salaried Class
If you're a salaried professional looking to save tax while growing wealth, Equity Linked Savings Schemes (ELSS) might be your ideal match. ELSS funds offer tax benefits under Section 80C and come with a shorter lock-in period than most other tax-saving instruments. But their real strength lies in long-term wealth creation, especially when invested in through SIPs. Here’s how ELSS can play a strategic role in your investment plan.
Is COVID-19 Triggering These Behavioural Biases in You?
The COVID-19 market crash was more than a financial shock, it was a psychological one. For many investors, it exposed deep-seated behavioural biases that quietly shape our decisions, often at our own cost. Whether it's abandoning your SIPs during a dip or chasing trends at the wrong time, understanding these patterns is the first step toward better investment outcomes. Let’s unpack the most common behavioural traps triggered by market turbulence, and how to avoid them.
Latest Posts
Tactical vs Strategic Asset Allocation: Which Approach Fits Your Investment Journey?
Aug 28, 2025
Specialised Investment Funds (SIFs): What Investors Should Know Before Investing
Aug 25, 2025
The Dangerous Rise of Finfluencer Advice and How to Spot Red Flags
Aug 23, 2025
Mutual Fund vs. Fixed Deposit Returns Over 10 Years: The Data Speaks
Aug 21, 2025
How to Invest a Lump Sum Amount Smartly: A Goal-Based STP Approach
Aug 19, 2025
The Importance of your Child’s Education Goal
Feb 28, 2024
Why Retirement Planning is Important
Nov 08, 2023
Oct 31, 2023
Investing Behaviour and the investing roller coaster
Oct 12, 2023