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).

Multi asset fund concept showing diversified investments across assets with umbrella protection, charts, and coins representing balanced portfolio allocation.

What Is a Multi Asset Allocation Fund? Understanding Multi Asset Funds

Multi asset funds aim to combine different asset classes like equity, debt, and commodities within a single portfolio. Understanding how they work can help investors evaluate whether this diversified approach fits their investment strategy.

Income vs wealth illustration showing compass pointing toward financial growthIncome vs wealth illustration showing compass pointing toward financial growth

Does High Income Make You Wealthy?

A high income can create the possibility of wealth. But wealth itself is built through structure, patience, and intentional decisions. It is less about how much you earn, and more about how deliberately you direct it

Large vs Mid Cap allocation banner with wooden blocks and FinEdge branding background

Why Mid-Cap Allocation Needs More Discipline Than Large Cap

Mid-cap allocation demands more discipline than large cap because it comes with sharper market swings. While mid caps offer higher long-term growth potential, they also test investor patience during downturns. The key is not choosing one over the other, but understanding how each behaves across market cycles.

FAQs on Specialised Investment Funds (SIFs) What investors need to know before considering SIFs

Specialised Investment Funds (SIFs): Key FAQs Investors Should Understand

Specialised Investment Funds (SIFs) are the newest entrants in India’s investing space. With all the recent buzz, many investors are curious about what they mean for their portfolios. Below are answers to some of the most common and important questions around SIFs.

Blog cover showing a stock market chart with upward and downward trends, titled Navigating Market Volatility: 6 Ways to Navigate Market Volatility Without Losing Sight of Your Goals.

6 Ways to Navigate Market Volatility Without Losing Sight of Your Goals

Market volatility is uncomfortable, but it is not abnormal. What separates successful investors from anxious ones is not prediction it’s preparation, process, and perspective.

Investment consolidation concept showing stacked coins and market chart, highlighting benefits of managing investments on a single platform

Why Consolidating All Your Investments on One Platform Makes Sense

Many investors accumulate investments gradually, across employers, platforms, advisors, and products. Over time, what began as diversification can turn into fragmentation. Consolidating investments on one platform is not about reducing choice or control; it is about gaining clarity, aligning investments with goals, and improving decision-making across market cycles.

Why how where investing framework illustrating goal-based and disciplined investing

Why Successful Investing Follows a Clear Why–How–Where Framework

Investing decisions are often influenced by market trends, recent performance, or product recommendations. However, long-term investment success depends more on structure than selection. A clear Why–How–Where framework brings discipline to investing by ensuring that goals are defined first, planning comes next, and product choices follow. This approach helps investors build portfolios that are aligned with their objectives and sustainable over time.

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.