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The Gold Illusion

Rajesh considered himself a “contrarian investor.” He prided himself on spotting opportunity before others did. But with gold, like many others, his timing was always perfect, perfectly ....
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The Imperfect Decision

Every investor has had this conversation with themselves. I cannot make a decision. What if this is the wrong call? Everything feels uncertain right now. Nothing feels back to normal. No one ....
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The House Worth Building

In his book, Men and Rubber: The Story of Business, the late Harvey Firestone wrote, “Why is it that a man, just as soon as he gets enough money, builds a house much bigger than he needs? ....
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Master Versus Tool Framework

Morgan Housel shares a telling story in his book The Art of Spending Money. “Entrepreneur David Siegel once built a 90,000 sq. ft. house in Florida. Asked why he was building such a big ho ....
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The Day the Phone Would Not Let Him Go

The call came at 10.32 in the morning. Mr. R, a 75-year-old retired gentleman from Mumbai, picked it up without a second thought. “Sir, this is Inspector Verma calling from Delhi Cyber C ....
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A Lesson From Einstein

Albert Einstein once made a sobering observation. "The ordinary human being does not live long enough to draw any substantial benefit from his own experience. And no one, it seems, can benef ....
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The Ultimate Balance Sheet

There is a strange moment that arrives in every person’s life. It does not show up on a balance sheet. It does not appear on a brokerage statement. It does not reveal itself in a portfolio ....
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The New Highs Belong to Those Who…

Every investor wants the straight line. The clean upward slope. The calm journey where portfolios rise quietly and predictably. But markets do not move like that. They never have. They rise ....
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The World In 2050

Where will the world be in 2050? Where will stock markets be in 2050? And perhaps the most important question of all: What will your financial life cost in 2050? These are the questions ever ....
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The Key Mental Challenge

The key mental challenge is holding a diversified portfolio and watching some investments underperform every year. Every investor loves the idea of diversification. It sounds wise. It sound ....
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About Amar Pandit

Amar is a CFA Charterholder from CFA Institute, Virginia, USA and a Certified Financial Planner. He is also an alumnus of the Wharton School of the University of Pennsylvania.

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Amar Pandit is the Founder of several companies that are making a Happy difference in the lives of people. His first one was “My Financial Advisor”, the happiest and best Private Wealth Management Firm that helps High Net worth Business Owners, Corporate Executives, Doctors and Celebrities to make smart and informed choices about money. He is currently the Founder of Happyness Factory, a world-class online investment & goal-based financial planning platform through which he aims to help every Indian family save and invest wisely. He is very passionate about spreading financial literacy and does so through his sharp and analytical columns published regularly in leading financial dailies, publications and portals. He is the author of 6 bestselling books, 8 Sketch Books and 2000 + columns for various newspapers such as Economic Times, Business Standard, Times of India, DNA, Hindustan Times, Mint, Indian Express and magazines. He has developed a board game “Financial Premier League" which is a fusion of cricket and personal finance. Besides this, he has developed Corporate Workshops on Financial Literacy and has developed the first financial literacy program for children between the age group of 5 and 12.

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Amar's Philosophy

It’s a myth that More Money = Happiness.
Yes, we have all heard that it is better to cry in a BMW than cry on the road. However, what matters at that point is that you are crying and unhappy. Your location is not relevant, you are just like the other person crying on the road. The point is that if “More Money = Happiness” were indeed true, the richest people would also be the happiest; the most seemingly beautiful and rich people would not be depressed.

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What Amar's Reading