Dear Raj, It’s Not Gambling—It’s Ownership

Raj Khanna is a successful business owner.He's built something meaningful over years of effort, risk, and determination.So when he told my colleague, “I'm happy to invest as long ....
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The Wisdom of “I Don’t Know”

Socrates was asked, “What basis is wisdom built on?”His answer was simple: "I know that I don’t know."Let that settle in for a moment.Now, look around.Everywhere you turn, so ....
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The Word Salads On Offer

A global bank’s head of wealth recently said, “We remain cautious in terms of where to deploy incremental risk assets. Our message has not been to liquidate your portfolio and ....
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What Are You Really Investing For?

A few weeks ago, I met Aakash, a client of one of the firms we had recently acquired at Happyness Factory.He was a sharp, articulate gentleman. A professor of business analytics. S ....
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“If I Don’t Do It, Someone Else Will.”

“If I don’t do it, someone else will.”“The client wants it.”These are two of the most common excuses I hear from financial professionals.And honestly, they’re dangerous ....
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The Sensex In 2050?

I asked Rahul, a seasoned entrepreneur, where he thought the Sensex would be in 2050. He paused, thought for a while, and said, "I don’t know… maybe 250,000 or 300,000."Then I ....
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Owning a Nation’s Future

 The US has been the world’s largest economy for more than 100 years, and will maintain its lead, in 2025 with a GDP of $30.3 trillion. China also holds its 2nd po ....
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Reframing the Language of Investing

Words matter.The way we describe things shapes how we think about them. For investors, this is especially true. The language we use can either clarify or confuse. It can inspire co ....
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The Myth of Relative vs. Absolute Returns

“Your portfolio is very good, but these are relative return strategies,” said Priya, a wealth manager, to Tarun, a senior chartered accountant. “You need an absolute return s ....
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BUY and BUILD

Dear Investor,I want to introduce you to a strategy that might seem simple, but it’s one of the most powerful ways to build wealth over time. It’s not about trying to time the ....
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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 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