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).

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.

Goal Based Investing concept with target board, ladder, and upward graph illustration, FinEdge financial planning for success

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.

Professional workspace representing how to choose a financial planner in India for goal-based financial planning

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.

Illustration showing global NRIs investing in India, with arrows connecting a globe to the Indian map — representing NRI investment opportunities in India with FinEdge.

Best Way for NRI Investment in India Without Falling Into Common Traps

As an NRI, you're in a rare position: you earn globally and can invest in one of the world’s most dynamic economies. But how can you make the most of your NRI investment in India without getting caught in high-cost, goal-less traps? Let’s explore what truly works, and what to avoid.

Visual on multi-generational investment planning across Boomers, Gen X, Millennials, and Gen Z

Multi-Generational Investment Planning Tips: Boomers, GenX, Millenials, GenZ

No matter your age, the right investment strategy can set you up for financial success. From starting small in your 20s to securing income in retirement, aligning your investments with your life stage ensures you make the most of every opportunity.

Stack of coins and money bag representing SIP investments in small cap mutual funds during market volatilityStack of coins and money bag representing SIP investments in small cap mutual funds during market volatility

Should You Continue Your SIP in Small Cap Mutual Funds

Investing in small cap funds requires patience and discipline, especially during market corrections. By staying committed to your SIPs and focusing on long-term goals, you can leverage the power of rupee cost averaging and compounding. Don’t let short-term market noise dictate your strategy—remain focused, stay the course, and trust that your disciplined approach will yield results over time.

Asset allocation chart showing a balanced investment portfolio with stocks, bonds, mutual funds, cash, gold, and REITs for long-term financial planning.

Essential Asset Allocation Strategies for a Balanced Investment Portfolio

In 2024 (as of June 2024), the Nifty 50 Index has given a return of 28.12%. During the same period, gold has gone up by 23.56% and fixed income has given a return of 7.27%. In the calendar year 2022, gold was the top-performing asset class, whereas in 2015, fixed income was the top-performing asset class. So, different asset classes take turns to outperform each other year after year. Hence when it comes to managing existing wealth, most investors follow asset allocation by building a diversified investment portfolio. In this article, we will understand what asset allocation is, asset allocation strategies, and how to use them to build a balanced investment portfolio.

How to Plan For Retirement in Your 30s, 40s, and 50s

Would you like to retire with a sufficient corpus to be financially independent in the golden years of your life. Retirement is that phase of life that most people look forward to. Most individuals would have taken care of their financial liabilities and responsibilities by then. But do you know that if planned properly, you could actually create a corpus that could generate retirement income for the rest of your life and be more fulfilled by having enough time to do things you would enjoy most like time with family and relatives, hobbies, travel, socialise etc. Ideally, you should start planning for your retirement corpus at the earliest stage of your working life. If you have not planned, you can still start now, whether in your 30s, 40s or 50s. In this article, we will understand how to plan for retirement at your age.

Illustration representing goal-based investing and long-term wealth growth through purposeful financial planning

Investing with Purpose: Goal-based Investing for Women

At the start of July 2024, Axis Mutual Fund released the "Women Investment Behaviour Report 2024". It has interesting insights on how women invest. It talks about the rising participation of women in mutual funds, how they persist with their investments even during market corrections, their goals like building wealth and securing retirement top the chart, etc. All these insights highlight how women are taking control of their investments. Let us discuss how investing with a purpose or goal-based investing can make women resilient and focused investors and, thus, help them achieve their financial goals.