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).

Smiling elderly couple outdoors, symbolizing a happy and financially secure retirement, with the text 'How to Plan for Retirement'

How to Plan for Retirement: Key Steps and Why the Right Guidance Matters

Planning for retirement means more than choosing the right investments. It’s about aligning your money with the life you want, and making informed decisions every step of the way.

EPF vs NPS: Should You Switch for a Better Retirement?

Choosing the right retirement fund could save you lakhs, and earn you peace of mind.

Illustration of a road sign with elderly couple symbol and bold text 'Just Retired? Here's what you should do next'—a retirement planning guide from FinEdge to help new retirees navigate their financial future.

Recently Retired? Here’s What You Should Do Next

If you’ve just retired or are about to, you may be wondering what comes next. How should you manage your money? Is it safe to invest in equity anymore? Do you still need insurance? Retirement isn’t just about leaving your job, it’s about starting a new financial life. In this guide, we walk you through the most important steps to take after retirement so that your savings last, your income remains stable, and your peace of mind stays intact.

Illustration showing ELSS funds as a tool for tax saving and retirement planning, with a rising arrow and coin stacks symbolizing long-term wealth growth. Ideal for early investors seeking high returns and tax benefits.

How ELSS Funds Can Help You With Your Retirement Planning

Don’t just save taxes, secure your future. ELSS funds offer the perfect blend of tax efficiency and long-term wealth creation.

Illustration of a balanced scale weighing financial priorities like education, marriage, and money against retirement planning, symbolizing the importance of balancing short-term goals with long-term financial security.

4 Smart Ways to Balance Financial Priorities While Saving for Retirement

Juggling children's education, EMIs, and rising expenses? Here's how to stay focused on retirement—without falling behind on other life priorities.

Stressed investor looking at falling charts and missed targets on screens, illustrating financial leakages and goal setbacks, with FinEdge branding.

What is Financial Leakage? How to Stop This to Achieve Your Goals

Financial leakages may seem small, but over time, they can significantly hold back your ability to build wealth. Plugging these gaps early can free up more money for your financial goals, without needing to earn more or compromise on essentials.

Illustration of an elderly married couple embracing, with text 'Retirement for Married Couples – 5 Steps to Take' on a green background. Ideal visual for articles on retirement planning, financial tips, and long-term goals for couples.

Retirement Planning for Married Couples: 5 Steps to Get It Right

Planning for retirement as a couple goes beyond just saving money, it’s about aligning your vision for the future, managing different risk appetites, and building a joint roadmap that supports both partners. Whether you’re newly married or already years into your financial journey, having a shared retirement goal can strengthen your relationship and your long-term security. This guide walks you through the essential steps to get started on a collaborative retirement plan that works for both of you.

Close-up of investment portfolio documents and charts used for managing and optimizing financial assets

Top Tips for Successful Investment Portfolio Management

We have all heard the well-known phrase: “Don’t put all your eggs in one basket”. The phrase applies to many aspects of life, including investments. If you put all your money in a single asset class or security, and its value falls sharply or goes bust, you will incur significant losses or lose all your money. Hence, you need to build a diversified investment portfolio and manage it well. In this article, we will understand what is investment portfolio management, how to build and manage an investment portfolio.

SIP Vs Lumpsum Investments: Which Is Better?

Investing towards financial goals can be done in two ways. The first option is to invest a part of the income every month for the long term. The other option is to invest a lumpsum amount once and stay invested for the long term. Both options have pros and cons, and investors often wonder which option they should choose. In this article, we will discuss SIP vs Lump sum, and which approach an investor should take.

Street signs labeled Financial and Independence symbolizing the path to achieving financial freedom

What Is Financial Independence and How to Achieve It?

On 15th August, we celebrate Independence Day. We celebrate the spirit of freedom that gives us the right to live a life the way we want to. Have you thought about financial freedom in a similar way? When you achieve financial independence, it gives you more control over your time and further live a life the way you want to. In this article, we will discuss what financial independence is, its benefits, and how to achieve it.

Conceptual illustration of portfolio rebalancing with lightbulb icon symbolizing smart investment strategy

Portfolio Rebalancing: What Is It and How to Do It

As of August 2024, the stock markets are trading near all-time high levels. In the last one year (as of 31st July 2024), the Nifty 50 Index has risen 26.31%. The Nifty Midcap 150 Index, with 54.60% returns, and the Nifty Smallcap 250 Index, with 58.06% returns, have done even better. During the same period, fixed income has been steady, with most debt instruments giving 7-9% returns. As a result, an investor's asset allocation would get skewed in favour of equities. Hence, the investor needs to do portfolio rebalancing. In this article, we will understand what portfolio rebalancing is, why, when, and how you should do it.

Creative planning diagram with notes and colored pencils illustrating the importance of planning for a child’s higher education

Why Should You Plan for Your Child’s Higher Education?

It is August 2024, and by now, you must have paid the annual school fees for your child for the academic year 2024-25. You must have noticed that the school may have increased the fees compared to last year to counter the impact of inflation. The same holds true for your child's higher education. The cost of education will increase with every passing year, and by the time it is time for your child to take admission to college, the education cost will have increased substantially.