Anand Rathi Wealth Limited

21/08/2026

A portfolio built for yesterday may not support the goals of tomorrow.​ Regular reviews help ensure your asset allocation stays aligned with changing priorities, market conditions and long term wealth goals.​

Keep your portfolio aligned. Keep wealth uncomplicated.

21/08/2026

Manish Srivastava, Executive Director & Unit Head - Delhi, Anand Rathi Wealth Limited, shares his perspective with Business Standard on the growing pool of unclaimed money in mutual funds and the reasons why investors may lose track of their investments.

According to SEBI’s annual report, unclaimed money under mutual funds rose 10.4% to ₹3,811 crore as of March 2026. Manish Srivastava notes that the increase was mainly driven by unclaimed dividend amounts, which stood at ₹2,689 crore, while unclaimed redemption proceeds stood at ₹1,122 crore.

A common reason behind unclaimed mutual fund money is outdated investor information. Changes in mobile numbers, email addresses or bank accounts that are not updated with the AMC or RTA can result in payments not reaching the investor. Old folios, physical investments and incomplete KYC details can also contribute to the issue.

Investors can trace unclaimed mutual fund investments through official channels such as SEBI’s MITRA platform on MF Central, RTA websites, AMC websites and their Consolidated Account Statements.

Keeping investment records, KYC information and bank details updated is therefore an important part of maintaining a well organised investment portfolio.

An uncomplicated approach to wealth creation also means knowing where your investments are and ensuring that your records remain up to date.

21/08/2026

Protima Dhawan, Director & Unit Head, Hyderabad & Visakhapatnam, Anand Rathi Wealth Limited, shares her perspective in the Financial Express (India) article, “The most expensive financial mistake is the one you keep repeating.”

Financial setbacks are not always caused by one large decision. Often, it is the smaller habits repeated over years that quietly affect long term wealth creation. Delaying investments, allowing lifestyle expenses to rise with every salary increase, relying excessively on EMIs, carrying high interest debt and depending on willpower to invest can all have a compounding impact over time.

Protima Dhawan highlights why starting early can make a significant difference. Investing ₹10,000 a month from the age of 25 can potentially create a considerably larger corpus by 55 than beginning the same investment at 30. Even ₹5,000 invested monthly from 25 can potentially build wealth comparable to ₹10,000 invested monthly from 30, depending on return assumptions. The difference is the additional time available for compounding.

The same discipline applies as income grows. Protima highlights that people often upgrade discretionary spending when they receive a salary increase. Directing 20% to 30% of every salary hike towards investments can allow the investment amount to grow alongside income rather than letting lifestyle expenses absorb the entire increase.

High interest debt is another recurring habit that can affect long term wealth. Once a debt is cleared, redirecting the amount previously used for the EMI towards an SIP or emergency fund can turn an outgoing obligation into a contribution towards future wealth goals.

Finally, consistency should not depend entirely on willpower. Automating SIPs, savings and insurance payments around the salary date can help ensure that important financial commitments happen before discretionary spending takes over. As Protima puts it, “time is an asset that one can never recover.”

An uncomplicated approach to wealth creation is therefore not only about what you invest in. It is also about building disciplined financial habits early, increasing investments as income grows and avoiding patterns that repeatedly work against your long term wealth goals.

Read the full article:

What if the financial mistake costing you the most money is one you barely notice? It may not come from a wrong investment or a major financial decision, but from an everyday choice repeated over and over. The real cost often appears much later—when there is little time left to undo it.

20/08/2026

Gold's Rally, ETF Inflows, and the Role of Recency Bias

We often see people getting more interested in an investment after its price has already gone up. When something has been performing well for some time, it can start to feel more attractive simply because of its recent performance. This is where recency bias comes in, which is our tendency to give more importance to what has happened recently than to the bigger picture when making investment decisions.

Gold offers an interesting example of this behaviour. Rising gold prices can attract more attention from investors, while geopolitical uncertainty and changing interest-rate expectations can also increase demand. Gold is often seen as a safer place to invest during uncertain times. The problem arises when investors start buying more gold simply because its price has been rising, rather than because it fits into their long-term investment plan.

Gold ETF Flows Tell an Interesting Story

Our analysts looked at gold prices and the amount of money going into gold ETFs since January 2024. They found that the two have generally moved in the same direction, with more money tending to flow into gold ETFs when gold prices have been higher.

A clear difference appeared when they looked at the months with the highest and lowest gold ETF investments. In the five months when gold ETF investments were at their highest, an average of ₹11,410 crore came in each month, while gold averaged ₹1,32,479. In the five months when investments were at their lowest, the average was just ₹37 crore, while gold averaged ₹82,290. This suggests that investors were putting significantly more money into gold ETFs when gold prices were already higher.

January 2026 was the strongest example of this trend, with investors putting ₹24,040 crore into gold ETFs while gold touched ₹1,75,217 during the month. The interest in gold ETFs had already been building, with monthly investments rising from ₹7,743 crore in October 2025 to ₹11,647 crore in December 2025. AMFI linked the January surge to the rise in gold prices, along with geopolitical uncertainty and demand for safer assets.

Our analysis also found a positive correlation of 0.45 between gold prices and monthly gold ETF investments since January 2024, which tells us that the two have generally moved together. However, gold prices and investor demand are influenced by several factors, including global events and expectations around interest rates, which can cause prices to move quickly when market expectations change.

We saw an example of this on August 13, when US initial jobless claims came in at 209,000 and added to the economic data being watched by markets for clues about US interest rates. Our tracked gold price series found that gold fell 0.47% on August 13, followed by a further 0.31% decline on August 14.

What Should Investors Do?

The key takeaway is not about whether investors should increase or reduce their exposure to gold. It is about recognising how recent price movements can influence investment behaviour.

When an asset has performed strongly, recency bias can make that performance feel more important than the broader investment context. This is why investment decisions should remain anchored to a clearly defined, objective driven process rather than being influenced by short term price movements or market sentiment.

A disciplined approach means evaluating decisions against long term wealth goals, risk considerations, and the overall portfolio framework. Keeping this process uncomplicated and consistent can help prevent a recent rally from becoming the primary reason behind an investment decision.

20/08/2026

Amitabh Lara, Executive Director & Unit Head - Mumbai, Anand Rathi Wealth, shares his perspective with Mint on why holding multiple mutual fund schemes does not always translate into better portfolio diversification.

Many investors believe that adding more mutual funds automatically reduces risk. However, true diversification depends on the underlying exposure of each scheme, including the stocks, sectors and market capitalisation segments they represent.

In the article, Amitabh Lara highlights that investors need to look beyond the number of funds in their portfolio and evaluate whether each scheme adds a distinct investment style or exposure. Multiple funds can still lead to concentration when they hold similar stocks or have overlapping sector allocations.

A well structured portfolio is not created by increasing the number of schemes, but by ensuring that each investment has a clear role and contributes meaningfully towards long term wealth goals.

An uncomplicated approach focuses on understanding what each investment adds, rather than simply adding more products.

20/08/2026

Mukesh Kumawat, Executive Director & Unit Head, Gurugram & Lucknow, Anand Rathi Wealth Limited, shares his perspective in the Mint article, “Switching from regular to direct mutual funds: Know the hidden tax cost and when the move actually pays off.”

Switching from a regular to a direct mutual fund plan may reduce the expense ratio, but the decision involves more than comparing costs. The switch is treated as a redemption and fresh investment, which can trigger capital gains tax.

Mukesh Kumawat explains that investors should assess the applicable tax, exit load, remaining investment horizon and the time required for lower expenses to offset the initial tax cost. In the article’s hypothetical example, the direct plan takes approximately 4.4 years to reach breakeven after accounting for tax.

An uncomplicated approach means evaluating the complete financial impact rather than making a decision based on expense ratio alone.

Read the full article:

Regular and direct mutual fund plans can deliver different outcomes due to expense ratios, taxes and distributor costs. The decision to switch depends on factors such as the breakeven period and capital gains tax.

20/08/2026

A stock tip on social media can look convincing, but should you act on it immediately?

In this discussion anchor Kritsween Walia, Feroze Azeez, Joint CEO, Anand Rathi Wealth Limited, shares an uncomplicated view on fake investment advice, impersonation scams, investor awareness and SEBI’s Closing Auction System on CNN-News18.

Key takeaways:

✅ Education and investment advice are different
✅ Genuine advice providers must follow regulatory requirements
✅ Investors should verify anyone claiming to represent a financial company
✅ Fraudsters often misuse trusted names and brands to appear legitimate
✅ Avoid unrealistic promises of quick returns
✅ A realistic wealth creation approach focuses on disciplined investing and compounding
✅ Regulated investment platforms provide stronger investor protection
✅ SEBI’s Closing Auction System aims to make closing prices more transparent

Watch the full discussion for an uncomplicated perspective on investor safety, online financial scams and market transparency.

19/08/2026

Did you know?

India’s foreign exchange reserves have surged from just $4 billion in 1990 to $691.1 billion currently.

This massive build-up has significantly strengthened India’s ability to withstand external shocks.

For investors, higher reserves provide an important buffer against global volatility and capital outflows, while giving the RBI greater room to manage sharp fluctuations in the rupee.

A stronger reserve cushion therefore reduces external vulnerability and provides greater stability during periods of global financial stress.

19/08/2026

A new chapter begins in Kochi.

We are pleased to mark the inauguration of our new Anand Rathi Wealth office in Kochi, strengthening our presence in Kerala and bringing our structured, data backed approach closer to HNIs and UHNWIs in the region.

This milestone reflects our continued focus on building meaningful relationships, understanding evolving wealth goals and making the wealth creation journey more uncomplicated.

📍 3rd Floor, Cloud 9, Dotspace Business Centre, Panampilly Nagar, Kochi, Kerala 682036

We look forward to welcoming our clients and partners to our new office.