Get Financial Insights with Harsh Gahlaut

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).

Learn the key habits that help you use credit cards wisely and avoid long-term debt traps.

Responsible Credit Card Usage: Three Principles Every Consumer Should Follow

Credit cards are powerful financial tools when used correctly, offering convenience, rewards, and short-term liquidity. But when used without discipline, they can quickly turn into high-interest liabilities. Understanding a few essential principles can help you manage your cards responsibly, maintain a strong credit score, and avoid stress caused by compounding debt.

AI technology illustration on laptop representing financial advice and digital planning

Can AI Replace Financial Advisors? What Investors Should Really Expect

The rapid growth of AI in financial services has made many investors wonder whether AI can replace financial advisors. AI brings speed, automation, and powerful analytical capabilities, but meaningful financial planning requires far more than data. Investors need guidance that adapts to life changes, supports decision-making during uncertainty, and connects financial choices to long-term goals. That level of interpretation and behavioural understanding remains uniquely human, making the future of wealth management a blend of technology and human expertise.

Saving first spending later concept illustrating instant vs delayed gratification in financial decision-making for long-term wealth building

Instant vs Delayed Gratification: A Behavioural Lens on Long-Term Wealth Creation

Wealth creation is not driven only by market movements or income levels, it is equally shaped by everyday behavioural choices. The balance between instant and delayed gratification often determines whether an investor accumulates meaningful wealth or repeatedly falls short of long-term goals.

Types of Debt Funds in India

Debt funds in India offer something for everyone, from overnight investors to those with long-term goals. Knowing the types of debt funds can help you align your choices with your financial plan.

Digital stock market chart representing index fund performance, illustrating the concept of market-linked investing with the title “Index Funds: A Simple Route to Market-Linked Investing.”

Index Funds: A Simple Route to Market-Linked Investing

Index funds are among the simplest ways to participate in market growth they replicate benchmark indices, reduce costs, and eliminate the need for stock-picking expertise. For investors seeking disciplined, low-cost, and transparent exposure to the markets, index funds can be a foundational component of a long-term investment strategy.

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.

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.

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.

Young green plant growing from coins on a notebook, symbolizing SIP investment growth, with text 'Avoid These SIP Mistakes' – FinEdge branding visible.

Common SIP Mistakes Investors Should Avoid for Long-Term Success

Systematic Investment Plans (SIPs) have become a go-to strategy for long-term investing, especially for Indian investors. But while SIPs are simple to start, avoiding common mistakes is crucial for achieving meaningful outcomes. From skipping instalments to choosing the wrong options, this blog walks you through the key SIP mistakes to avoid, and how to make the most of your investments.