The End Of History Illusion

Dan Gilbert said these brilliant words - "Human beings are works in progress that mistakenly think they're finished." You are not the same person you were ten years ago.Your prefe ....Read More

The Big Lie About Democratization

Everyone is trying to democratize investing.That’s what they say.Except most don’t understand what it really means.They confuse democratization with access.Giving access is eas ....Read More

Always Worth It

 Pain is the price of admission for long-term returns.Every decline feels like the end of the world.Every bear market looks like the worst one.Every crisis feels dif ....Read More

The Biggest Threat

The stock market has always recovered from crashes.But not every investor has.This is the fundamental truth of investing. The market moves in cycles. It falls. It rises. It correct ....Read More

This Time Is Never Different

The world always feels uncertain.There is always a crisis. Always a reason to panic. Always a headline screaming that this time is different.But look at the chart.Mar ....Read More

An Important Financial Skill

Expectations shape our relationship with money.Not numbers. Not market returns. Not net worth statements.Morgan Housel wrote, “If your expectations grow faster than money, you wi ....Read More

AI and Real Life

 Humans don’t fit into an algorithm.This is particularly true when it comes to humans and their money.“Humans + Money” is a messy little cocktail.An algorithm ....Read More

The Illusion of “Easier Times”

 The visual above captures something we all experience.When we look back, life feels simple."Those were the good days.""Life was so easy."But was it really?Think abo ....Read More

The Shoe Button Complex

Confucius wrote, “Real knowledge is to know the extent of one’s ignorance.”Peter Bevelin in his book, “All I Want to Know is Where I’m going to Die So I’ll Never Go The ....Read More

Risk is…?

 Risk is often misunderstood. Many think it’s just about losing money. But as this visual beautifully illustrates, risk is far more nuanced and personal.It’s not ....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