What You Should Focus On in 2022

This Behavior Gap Sketch is one of my favourites. Our success in investing lies in understanding the difference between things we can control and the things we can’t. W ....Read More

Emotions and Worry

What better way to start the year than writing about Emotions and Worry? Don't you agree? Maybe Not. I get it if you don't. Trust me, I don't get it too, but this is ....Read More

Amor Fati Volatility

I thought of intentionally keeping today’s post short and sweet but insightful. This concept is one of the most important concepts for investo ....Read More

Ontological Confusion

"Ontological Confusion" is a new phrase I learned a few days ago while reading a paper that described some recent research about why so many otherwise level-headed and sane people ....Read More

Complex Adaptive Systems & Investing – Part 2

I am assuming here that after reading Part 1, you agree with me on the fact that a stock market is a complex adaptive system. If you don’t, I encourage you to read Part 1 till yo ....Read More

Complex Adaptive Systems & Investing

Let me start this post with a statement that some or many might not agree with.Real Investing is Boring…Yes, it’s Super Boring.On the other hand, our environment is complex and ....Read More

Slay this Monster with Investing

Since COVID-19 hit the world last year, millions of people around the world lost their lives as well as their livelihoods. There were shutdowns and lockdowns all over the world. Th ....Read More

Ubbe, Niranjan and Risk

In 2021, I watched a couple of seasons of “Vikings” on Netflix. There is a character called “Ubbe” in the show and there is an amazing sequence involving Ubbe and 3 kings.T ....Read More


I know the above headline is cryptic so let me give you a clue through a Behavior Gap sketch. I am sure you not only figured the first D and the last D bu ....Read More

The Patterns that don’t work

Recently, I had a conversation with a senior executive from an asset management firm. He was explaining all the reasons why his firm’s funds had not performed for the last 2-3 ye ....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