Being Certified Financial Planner in Kolkata, we have been seeing that family members experience intolerable pain during contingencies because of casual approach of family’s bread earner. Quite often, the bread earner does not share personal financial matters with potential family members. Common excuses are, “My spouse isn’t interested in...
Hybrid Mutual Fund is a category of Mutual Fund that is represented by diversification among two or more asset classes. It can be a mixture of debt, equity, gold, real estate, etc. in different proportions based on the investment objective. A Mutual Fund is a type of financial vehicle...
A Mutual Fund is a type of financial vehicle made up of a pool of money collected from large number of investors to invest in securities such as stocks, bonds, money market instruments, and other assets. Each Mutual Fund scheme is managed by professional Fund Manager(s). Debt Mutual Funds are a...
A Mutual Fund is a type of financial vehicle made up of a pool of moneycollected from large number of investors to invest in securities such as stocks, bonds, money market instruments, and other assets. Each Mutual Fund scheme is managed by professional Fund Manager(s). Equity Mutual Funds are...
A casual investor usually has less knowledge. He doesn’t follow calculated investment strategies. During business cycles, he’s the first ones to behave oppositely. Markowitz portfolio theory attempts to nail down investment decision-making in terms of risk and return. A casual investor ignores financial goals and respective planning horizons, thereby,...
One can relate business cycle with ECG (Electrocardiogram). Flat line indicates that economy is dead. No business in the world economy has a flat trajectory. Businesses have periods of economic expansion and contraction. Rather, the economic environment is dynamic than being static. Domestic as well as global economy has...
Investment strategies are naturally linked to your Financial Plan. Investment covers wide range of activities (investment vehicles) like investing money in certificates of deposit, bonds, equity shares or mutual funds, tangible assets, such as gold or other precious metals, real estate etc. All investment vehicles are good but not...
A personal financial budget/ family budget refers to allocating your income in a planned way towards the expenses like household, lifestyle, dependents, insurance premium, debt repayment, etc. The surplus is to be kept aside to build Contingency Fund first. Thereafter, investments are to be made towards future financial goals....
Having a Financial Plan, reviewing and monitoring the Financial Plan are indispensable processes in prudently managing your personal finance. You can’t deny the relevance any more in current rapid socio-economic changing scenarios. Like others, it’s not an exception for retirees. Rather it’s more important. Transitioning from accumulation phase (retirement...
Accomplishment of financial goals are one of the major fundamentals towards financial wellness. It is achievable if goals are S.M.A.R.T. We can say that nothing astounding will happen to you unless you gather the necessary courage and have strong conviction to accomplish your goals. Your aspirations are achievable through...
REGULATORY DISCLOSURE
Arijit Sen is a SEBI Registered Investment Advisor [INA300012723].Â
Below details are mentioned from SEBI’s SCORES portal as of May, 2026 as mandated by SEBI
| DETAILS | NO. OF COMPLAINTS |
|---|---|
| At the beginning of the month | 0 |
| Received during the month | 0 |
| Resolved during the month | 0 |
| Pending at the end of the month | 0 |
| Reason for pendency | N.A. |
As per SEBI Circular No. SEBI/HO/OIAE_IAD-1/P/CIR/2023/131, dated July 31, 2023, link to Online Dispute Resolution: https://smartodr.in/login