Investing Insights

Harsh Gahlaut

Founder & CEO

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).

Market Correction vs Bear Market: Key Differences and What Investors Should Know

Not all market declines are the same. Understanding the difference bet

Types of NSE indices with stock market charts, illustrating broad, sectoral and thematic market segments

Types of NSE Indices: A Simple Guide to Broad, Sectoral and Thematic Indices

NSE indices go beyond the Nifty 50. Understanding their types helps you see how different parts of the market move and interact.

Understanding Mutual Fund Risk Levels: A Guide to the Risk-o-Meter

Understanding risk is just as important as understanding returns. The risk-o-meter offers a simple way to interpret how much uncertainty your investments may carry.

Ideal SIP duration showing financial planning before investing and long term SIP consistency

How Long Should You Run Your SIP to See Real Results?

SIPs are simple to start, but the real challenge is staying invested. In the early years, the results may not feel meaningful. But over time, consistency and patience begin to change outcomes in a significant way.

SIF investment suitability showing specialised investment funds for portfolio allocation decisions

Who Should Consider SIFs And Who Should Avoid Them?

Specialised Investment Funds (SIFs) are a relatively new addition to the investment landscape. Understanding where they fit, and where they don’t, is essential before considering them.

NRI retirement planning in India with long-term financial goals and returning home concept

Retirement Planning For NRIs: How To Build Your Future In India

Planning retirement from abroad comes with a different set of considerations. For NRIs who intend to return to India, the focus is not just on building a corpus, but on aligning it with future lifestyle, costs, and long-term stability.

Visual illustrating direct mutual funds concept, highlighting cost saving and goal achievement in smart investing decisions.

All About Direct Mutual Funds: Cost Saving or Goal Achievement?

Direct mutual funds promise cost savings, but investing isn’t just about expenses. Here’s how to know when going direct truly supports your long-term goals.

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.

Types of SIPs explained with financial icons including piggy bank, dollar sign, healthcare, and home on investment charts – FinEdge

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 salaried professionals - person analyzing financial charts, using laptop and calculator

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.

Illustration of SIP investment concept showing wooden figure at laptop, stacked coins, and money bags with text 'What Is the Real SIP Return After 10 Years? The Truth Long-Term Investors Should Know' – ideal for mutual fund and long-term investment articl

What Is the Real SIP Return After 10 Years? The Truth Long-Term Investors Should Know

In recent years, SIPs (Systematic Investment Plans) have gained immense popularity among Indian investors seeking long-term wealth creation. But how have SIPs actually performed over a decade? If you're wondering what the average SIP return in 10 years really looks like, and whether it's enough to meet your financial goals, this blog breaks down the numbers and what they mean for your future.

Investor behavioral biases during COVID-19 pandemic – person pointing at stock market data with upward and downward trends on screen

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.