Shilpa Bhaskar Gole

Sizes that outsize! It is not uncommon to find concerns around fund sizes and hence their commensurate performance. This ostensible concern makes us look for sleeker options backed by relatively recent performances (due to their low ageing) and with the rationale that these have a long runway to cover before their chopper like structure turns into a Boeing! So till then, it's all good Going! Though what gets conveniently ignored is the velocity of market expansion that vindicates outsized funds. However, the overarching statistic that reflects the fund's ability to stomach market oscillations over decades and yet deliver outsized returns gets masked by fancier and newer names. Lest I forget the commercials. Many a times what is clinical in theory doesn't work in entirety, when it comes to hitting the ground hard and running. This is not to say that smaller sized funds haven't delivered or do not old the promise to swell into Boeings tomorrow. Hence it is prudent to have a mix of schemes based on sustainable performances. 'What has worked thus far will continue to work far!' And if it doesn't as an exception, there is always a recourse available in the form of reviews. Therefore, the challenge is in staying away from half found truths that translate into biases. A cursory glance at the table below by Value Research shows the kind of exceptional performance rendered by select schemes over time periods. Of course this is just the gist. The actual list of relatively larger schemes that boast of outsized returns runs much longer.

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People often make one big mistake with term insurance: They buy a term plan… but forget to check if it actually works outside India. Last week, a client told me: “I already have a ₹3 crore term cover in India, so I’m sorted.” I asked him one question: “Does your policy cover you if something happens in Dubai?” He froze. He didn’t had a clue. Here’s the truth: Many families get shocked at claim stage because of territorial limits and fine print. 3 key takeaways if you’re buying term insurance: 1️⃣ Global Coverage Matters Make sure your policy pays out irrespective of where you live, work, or travel. Peace of mind shouldn’t have borders. 2️⃣ Premiums are cheaper in India Compared to Dubai/Singapore, Indian term premiums can be 30–50% lower. But only worth it if the claim is hassle-free globally. 3️⃣ Claim settlement is important Don’t chase the lowest premium blindly. A rejected claim defeats the entire purpose. Always check insurer’s track record. Bonus tip: Start with cover = 10–12x your annual income. That’s usually a good starting point to protect your family’s lifestyle + liabilities. Don’t just buy the “cheapest” plan. Buy the right one. Because at the end of the day, you won’t remember how much premium you saved. Your family would experience whether the claim was paid. sanjeev sinha did a story for Business Standard on same and SahajMoney® shared its view. If you’re an NRI, have you checked if your policy offers global coverage? ⸻ I make personal finance simple. My goal is to help you understand your money so that you can grow your savings with confidence and peace of mind. 🔄 Repost this to help someone take control of their finances. ➕ Follow me for clear, jargon-free tips on investing, insurance, and taxes. Have a personal finance question you wish someone would answer simply? DM me your question. I’ll answer it clearly and keep your privacy 100% protected. LinkedIn Guide to Creating LinkedIn News India

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💬 “Investing isn’t just about numbers — it’s about behaviour.” That’s what makes the difference between chasing returns and building real wealth. In my recent conversation with P Karunya Rao for the Groww Mutual Fund Podcast, we explored the psychology of money — and how behavioural biases silently shape our financial decisions. 📈 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬 𝐨𝐟𝐭𝐞𝐧 𝐟𝐚𝐥𝐥 𝐢𝐧𝐭𝐨 𝐭𝐡𝐞 𝐬𝐚𝐦𝐞 𝐭𝐫𝐚𝐩𝐬: 🔹 FOMO from social media-driven success stories 🔹 Panic selling or stopping SIPs during volatile markets 🔹 Chasing “hot” funds due to recency bias 🔹 Overconfidence in timing the market 🎯 𝐊𝐞𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧: 🔹 SIPs are more than a product — they’re a behavioural discipline 🔹 Linking investments to financial goals reduces fear of loss 🔹 Time in the market matters more than timing the market 🔹 An advisor plays the role of a coach — guiding you through ups & downs 📹 Watch the full podcast here: https://lnkd.in/dRw45xRy #MutualFunds #FinancialStrategy #ViralBhatt #InvestorEducation #WealthManagement

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Advisory First: How Waterfield Advisors is Reshaping India’s Wealth Model with a Human Edge and Digital Innovation As India’s wealthy families grow more discerning, the traditional distribution-led wealth model is under pressure. Clients now seek clarity, transparency, and alignment. Waterfield Advisors, a homegrown wealth advisory firm, is meeting this demand with conviction. Kartik Kini, Senior Managing Director at Waterfield Advisors, spoke with Hubbis about how the firm is scaling with purpose, through and human trust, institutional discipline and digital innovation. Read on here: https://lnkd.in/gzh9SChF #WealthManagement #PrivateBanking #WealthSolutions #WealthPlanning #FinancialServices

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Stock market is NEVER finding the “next big stock.” The stock market is about giving equal weight to 3 things: 1/ Identification- spotting the right opportunity 2/ Evaluation- testing if it fits your framework 3/ Execution- defining entry, stop-loss, and exit in advance If you miss any one of these, your experience will be very bad. When we started building Scans back in 2016, our goal was to give investors ready-made, data-backed ways to identify stocks. Over time, this evolved into Combination Scans. >> Instead of looking at 1 parameter (say, “high delivery”), you can now combine multiple conditions like 52-week highs, Quarterly profit growth YoY, NR4/NR7 setups, etc., to create a sharper lens for stock discovery. >> You can switch parameters on/off to see which stocks consistently hold up across different conditions. The best part is that now you can also share these scans with your friends or mentors. We at StockEdge want to shift the mindset from “tips-based investing” to framework-based investing. Do you love this feature?

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