A Siren Call About Market Rallies and Profits!

Every time the markets heat up, in my friends’ group the inevitable question crops up: “Should I book profits?” Last time this happened few months ago – I think it w ....Read More

Computers and Mutual Funds

A long time ago, in the late 1980s, the company I was then working for, besides doing bespoke software development, was also into manufacturing and sale of computer hardware. Users ....Read More


“Mathism” – A word I coined to represent the tendency of forcibly converting everything into and justifying everything by, a mathematical equation, just to lend respectabilit ....Read More

The Fermat’s Last Theorem

A few months ago, you might have come across this news - MRF crosses Rs. 1 Lakh per share and it’s the first company in India to achieve this feat. It appeared in bold headlines ....Read More

The Silent Killer

This was some time ago. I happened to get into a conversation with a friend of mine - much younger than me - who was talking about how the cost of getting your children married is ....Read More

Brain Games

Have you seen this serial called “Brain Games” on the Disney-Hotstar OTT channel? If not, you must. It will dissolve any pride you may have in your ability to take rational dec ....Read More

ChatGPT and Investing

I don’t know if you noticed a small news item in some of the newspapers sometime last week. It described the experience of an investor with ChatGPT – the AI that is making all ....Read More

Chana, Teeth, and Timing Mismatch

In Marathi there is an old saying which goes something like this - दात आहेत तर चणे नाहीत, चणे आहेत तर दात नाहीत ....Read More

The Important Thing We Never Plan For

Last time I wrote about planning for retirement, and why it is critical that we look upon a retirement plan NOT as a “saving for retirement” plan but a “spending after retire ....Read More

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 4 bestselling books (+ 2 more to release in 2020), 8 Sketch Books and 700 + 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