Behavioural Finance

Recently, I met two young couples within a few weeks of each other. The first couple had been married for over seven years. They had a young son, another child on the way, successful careers and a sizeable investment portfolio. Their finances were well organised and spread across multiple assets. Yet they appeared stressed and exhausted. The second couple had been married for three years. Both were earning well and had begun building their financial lives together. They had

In one of our meetings, a client recently asked: "The rupee keeps falling. Should investors be worried?" Every time the rupee weakens, headlines become more pessimistic, social media fills with predictions of economic trouble, and many investors assume a falling currency automatically signals a weakening nation. But currencies are often more complicated than they appear. Markets frequently confuse movement with meaning.

Recent geopolitical tensions have quietly brought it back into focus. And it’s not market risk. It’s not asset allocation. It’s loneliness. The quiet kind.- The kind where an investor is constantly reading research, tracking charts, following market experts, and searching for the next multibagger.

I’ve sat across the table from dozens of clients with beautifully detailed retirement spreadsheets. Cash flows mapped till age 95. Contingency buffers tucked into every category. Graphs that forecast income, growth, inflation, and taxes.

Over the years, I’ve met many couples where one partner handles the finances, and the other just nods politely. It starts out simple. One of them has more interest or experience, so they take charge. The SIPs are set, the insurance is handled, and the retirement corpus is on track.

We spend most of our lives introducing ourselves by what we do. “I head the dealing desk at…” “I work in wealth advisory…” “I’m part of the markets team…” Then, one day, you stop. Not suddenly but eventually, the job ends, the meetings fade, and the inbox slows down.