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).
How to Build the Right Emergency Fund: Things No One Tells You!
Most people think of an emergency fund as six months of expenses tucked into a savings account. But the reality is far more nuanced. Building the right emergency fund in India requires thoughtful planning, customized choices, and avoiding mistakes that no one usually talks about.
AI Investment Platforms – Helpful, But Not the Whole Story
AI-driven platforms are changing how we invest, offering speed and scenario analysis at scale. But while algorithms can project outcomes, they cannot replace the human touch needed for personalization and emotional discipline. The smartest strategy is to let AI enhance, not dictate, your investing journey.
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.
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.
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.
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.
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.
How Falling Markets Can Benefit Your SIP Plan
Falling markets often make investors uneasy, but if you're investing through a Systematic Investment Plan (SIP), downturns could actually work in your favour. SIPs help you average your purchase cost, stay invested without trying to time the market, and benefit from compounding over time. This blog explores how your SIP can turn market volatility into long-term wealth-building opportunities.
Daily, Weekly, or Monthly SIP: Which One Should You Choose?
While SIPs are the preferred way for most Indian investors to invest in mutual funds, one question often comes up: should you invest daily, weekly, or monthly? Many assume more frequent investing brings higher returns, but does the data support that belief? In this article, we’ll compare SIP frequencies based on long-term market data and help you choose what’s best for your goals and convenience.
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