What’s the Real Problem?

I had written one of the ideas of this post in a previous Nano, but it is so powerful and in sync with the thoughts I wanted to write on this week, I thought of covering it again. ....Read More

The Missing Diagnosis

Let me make a bold yet true statement. The majority of investor portfolios today are a complete hodge-podge of products (as depicted in the first part of the sketch) ....Read More

The Irrelevant Absolute and Relative

A few days ago, one of our partners received an email from her client Ashish. The email in question was a second opinion on his portfolio given by India’s biggest wealth manageme ....Read More

Gold, God and Code

How times change quickly across generations?In the context of money, first it was “In Gold We Trust.”Then it was (rather is), “In God We Trust.” N ....Read More

This is Risk

We are good at managing risk by preparing ourselves to handle an event or situation we have already seen or experienced. For example, we are now prepared for the next set of pa ....Read More

The (In)efficient Market Hypothesis (IMH)

Satish had written a wonderful post (last month) headlined “The Irrelevance of Efficient Market Hypothesis (EMH).” He concluded the post with the following – So, as long as y ....Read More

Buy NFT, Get a Free Sports Car

Would you like to get a free sports car?I don’t need to make any real guesses here. Most (if not all) of us would like to. However even a free sports car couldn’t get anyone to ....Read More

The 3 Stages of a Bear Market

This post is based on an interesting tweetstorm I had read a few weeks back. @JasonYanowitz wrote a thread with the tweet “There are 3 stages of a bear market. We just entered st ....Read More

The Booking Profits Fallacy

Ever since I started working with Happyness Factory, some of my friends have been very unhappy with me, because I have steadfastly refused to give them any “tips” about “inve ....Read More

The Points of Failure

This post builds upon my previous post headlined “The Only Free Lunch in Finance” and attempts to shed some light on yet another critical aspect of risk. There is an assumption ....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