When you want to construct a house, you approach an architect to create a plan before you start construction on the purchased land. Mostly, homeowners prefer to hire both architect and a home designer. Buying a house or a flat is one of the vital decisions of one’s life....
As a teenager you might have thought that life after retirement would be like a calm sea and there would be no struggle. Life is not fairly so simple. In reality, we have too many commitments. Retirement means you’re not retiring from life but you’re retiring from your workplace....
Both peace and happiness have been tagged as the most un-understood phenomenon in the world. Rather, everybody hopes to achieve happiness and chases the horizon. Happiness is a state of mind. It doesn’t lie in any tangible object(s). Happiness is an emotional feeling which depends on expectations, may be...
Judicious Financial Plan implementation processes and review at regular intervals makes your journey towards financial freedom less disruptive. It’s the tendency of any human being to stick to one’s own comfort zone. It’s really difficult to leave your comfort zone. To you, comfort zone is safe and comfortable. Although,...
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...
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...
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