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).

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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.

Business professional placing coins in a piggy bank with text “Mutual Funds vs FDs – Which One Gives You Better Returns?” highlighting investment comparison.

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.

Child’s education abroad financial roadmap with FinEdge branding and a hand placing a graduation cap on stacked coins with growing plants.

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 versus regular SIP with FinEdge branding and a backdrop of financial graphs and a globe on a laptop keyboard.

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 with FinEdge branding and a person analyzing stock charts on a tablet.

Direct vs Regular Mutual Funds: What Investors Often Get Wrong

Are regular mutual funds really more expensive? Or is there more to the story?

Person using a digital tablet with stock market graphs, symbolizing bionic investing in India and the future of personalized wealth creation by FinEdge.

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.

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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.

Illustration showing the difference between daily, weekly, and monthly SIP investment options with calendar icons and financial growth symbols.

Investing in Volatile Markets: How to Build Resilience and Stay on Track

Investing in volatile markets is never easy, especially when headlines scream panic and portfolios turn red. But market cycles are not the problem. The real challenge lies in how investors react. Building investing resilience, the ability to stay aligned with your goals and decisions through ups and downs, is essential for lasting success. In India, as retail participation grows, so does the need for calm, process-led investing.

Mistakes Indian Investors Should Avoid in 2025: A Practical Guide

2024 revealed more about investor behavior than it did about the markets. With over 39 lakh SIPs discontinued, rising losses from trend chasing, and a boom in social media-led advice, the year underscored a hard truth: poor behavior causes more damage than volatility ever could. As we look to 2025, it’s critical to pause, reflect, and recalibrate. This guide highlights the key mistakes Indian investors should avoid in 2025, based on the lessons of the past year — so you can invest with greater clarity, confidence, and discipline.

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Goal-Based Investing: The Right Way to Plan for Financial Success

Most investors chase returns. But goal-based investing starts with your “why”, your life goals. It aligns your investment strategy with purpose, timelines, and discipline, making financial success far more achievable and less stressful.

How to Choose a Financial Planner in India: A Complete Guide

A financial planner in India helps you translate your financial goals into an actionable plan. This includes goal setting, investment strategy design, and regular portfolio monitoring. The right planner acts as a strategic partner, providing structure, clarity, and confidence through every stage of your financial journey. In this guide, we break down the key elements to consider when choosing a financial planner, the red flags to avoid, and how smart investors align advice with their long-term life goals.