Can you believe this?

Last Monday (7th April 2025), in the middle of one of the worst market phases in the last two years, I received a call from Pinak, a client of the firm.

This isn’t one of those calls filled with anxiety or fear.

This wasn’t someone asking, “Should I sell now?”

This wasn’t someone glued to the screen watching red numbers all day.

Pinak called to say something simple and powerful.

“Thanks so much for your blog posts. I love them. They help me stay away from all the noise and the bullshit. I can’t tell you how happy I am. I’m absolutely happy with the way my portfolio has shaped up. I am where I am because of the guidance from your team over all these years. Thanks so much.”

I don’t think he knows how much this means.

When the world is panicking about Trump tariffs, when headlines scream “fear,” when market predictions are flying from every corner of the media, here is an investor who is at peace.

Here is an investor who feels happy.
Grateful.
Empowered.

While we can certainly pat ourselves on the back—his financial professional, his team, and maybe even me—for creating the structure, the investment strategy, the discipline, I have to say this clearly:

The biggest credit goes to Pinak himself.

Because he did something very few investors do.

He trusted.
He listened.
He followed the process.

He questioned when needed.
He stayed curious but never controlling.
He allowed his professionals to do their job.

And this, right here, is the rarest kind of investor.

The one who is a great student.
Or, as a doctor would say, a great patient.

Someone who understands that knowledge is good, but guidance is better.
Someone who knows that awareness is strength, but humility is power.
Someone who knows that the real role of an investor is to stay invested and let compounding do the work.

To stay the course.
To ride through the noise.
To focus on the long game.

This isn’t a story about markets.
It’s a story about mindset.

Because markets will rise and fall.
News will come and go.
Cycles will keep spinning.

But mindset—that is what determines how you experience the journey.

Pinak is not celebrating because the market is up.
The market isn’t up.
It’s actually down.

He’s celebrating because he knows he’s in the right place, with the right plan, following the right process.

That’s what gives him confidence.
That’s what gives him peace.

He’s not watching the screen every morning to see what to do.
He’s not second-guessing the professionals he’s hired.
He’s not reacting.

He’s responding—by doing nothing. In fact, he wants to buy more.
He’s acting—by staying steady.
He’s winning—by not trying to outsmart the system.

There’s something incredibly powerful about this level of self-awareness.

Pinak knows what he can do.

He also knows what he shouldn’t do.

And that, in my view, is the real secret to financial happiness.

We spend so much time talking about asset allocation, diversification, inflation, and returns.

But we don’t talk enough about behavior.
About trust.
About staying power.
About peace of mind.

You can build the most sophisticated portfolio.
You can use the best fund managers, the best technology, the best tools.

But if the investor panics when the market drops, all of that falls apart.

It’s like having a Ferrari and slamming the brakes every time someone overtakes you.

You’ll never get to where you want to go.

Pinak is the investor who stays in his lane.
He knows what the Ferrari is for.
He lets it drive.

This is why it feels so good to work with clients like him.

You don’t have to convince.
You don’t have to manage reactions.
You don’t have to constantly explain why not to do something impulsive.

You just have to keep showing up.
Keep guiding.
Keep simplifying.
And most importantly, keep honoring the trust that’s been placed in you.

That’s what we’ve done over the years.

We didn’t build this in a day.
We didn’t win trust overnight.

It took many conversations.
Many moments of clarity and reassurance.

But now, in the middle of chaos, we get this call.

Not to ask what’s happening.

But to say thank you.

And this is the reward.
This is the fulfillment.
This is the real return.

Because the true success of a financial life plan is not just about numbers.
It’s about how the investor feels.

Not just when things are good—but especially when things look uncertain.

If they feel safe, calm, empowered—that’s the win.

So to every investor reading this, ask yourself:

Are you trying to drive the car yourself when you’ve already hired a driver?

Are you checking the GPS every few minutes instead of enjoying the journey?

Are you spending your time reading headlines when you could be reading your goals?

You’ve built something valuable.
You’ve hired people you trust.
You’ve created a vision for your life.

Don’t let momentary noise distract you from that.

Be like Pinak.

Trust the process.
Respect the professionals.
Stay steady.
Stay invested.

And one day, even in the middle of a correction, you’ll find yourself smiling—not because the market is up, but because you are.

Because you know you’re exactly where you’re meant to be.

And no headline can shake that.