Finwise Personal Finance Services LLP

Finwise Personal Finance Services LLP Customer needs-based investment services, AMFI registered MFD Customized solutions for your personal finance needs - AMFI registered MFD. ARN 318506. Not a RIA.

16/05/2025

The active vs passive investing debate has been around for years—and it's still one of the most hotly discussed topics in the world of mutual funds.

Interestingly, 2020 marked a turning point, with investor interest in passive funds rising sharply.
Many investors have shown preference for simpler investment options over complex products, As a result, many AMCS have been rolling out several passive schemes.
So, does that mean passive funds are better than active ones?
Who are passive funds really suited for?
How have they performed vis-a-vis active funds over the years?
How do both strategies behave during times of market volatility?
And most importantly, what passive fund options are available for investors today?
Looking ahead, how should investors approach the active vs passive allocation in their long-term portfolio strategy?

To find answers to these questions, catch me on this episode of Money Guru, hosted by Swati Raina on Zee Business, where I join co-panelist Vikas Puri to decode the active vs passive mutual fund debate and help you make informed investment decisions.

https://www.youtube.com/watch?v=8EokjugiFxY

25/04/2025

Catch Them Young, Watch Them Grow” – Ushering in a New Era of Financial Independence for Kids!

With the RBI now allowing children above 10 years to independently open and operate bank accounts—with access to debit cards and net banking—there’s never been a better time for parents to focus on financial literacy. In a world where kids are already ordering food online and booking Uber cab rides, equipping them with smart money habits is more important than ever.

As guardians of their future, it’s up to us to ensure they build strong, responsible financial behaviors early on. This progressive step not only encourages saving but also opens up conversations around smart investing and long-term wealth creation.
In a special episode of Zee Business, hosted by Swati Raina, I join Vishwajeet Parashar to dive into this timely topic.
Financial discipline starts young—don’t miss this insightful discussion!


https://x.com/ZeeBusiness/status/1915045763828039719?s=08

22/04/2025

RBI’s 25bps cut – Is now the right time to borrow?

RBI has slashed the repo rate by 25bps bringing it down to 6% in the latest MPC meeting. But does this mean you should jump into taking a loan?

In this episode of Consumer Adda, hosted by Vipin Bhatt on CNBC Awaaz, me and co-panelist Feroze Ajiz discuss the implications of this rate cut on loan EMI and overall borrowing decisions. We explore how the reduced repo rate brings potential benefits to borrowers and what factors you should consider before taking a loan, including rate of interest on loan, repayment ability, ideal loan tenure, CIBIL score, other charges and many more. We also emphasize the importance of negotiating loan interest rates with your bank.

We also talk about the thumb rules for borrowing - What percentage of your net worth should you borrow, and what percentage of your post-tax income should go towards loan EMI?
Is now the perfect time to borrow? To get answer to this, tune in as we discuss further rate cut expectations, the impact of reduced rate on new loan takers v/s any relief to existing borrowers and stamp duty on loans. Watch the entire video by clicking on the link below and make informed decisions that can save you thousands!
https://www.youtube.com/watch?v=_lAC37VH8AE&list=PLSbrpwmzi3x99K6OQGaorgWenNPKklbuK&index=9

10/04/2025

💡Should you invest now despite the ongoing tariff war?

With the ongoing tariff war initiated by the US and its impact on the global market, many investors are reassessing their strategies. So, are you someone who is currently thinking about evaluating your investment options? Concerned about investing for the short term or long term?

In this episode of Money Guru, hosted by Swati Raina on Zee Business, Prathiba Girish and her co-panelist Pankaj Mathpal discusses the ideal approach to invest – lumpsum or systematically – in this uncertain period. They explore how India is affected with tariffs and its impact on various sectors. They share insights on which sectors have been hit the hardest and which ones offer opportunity to invest in this volatile market and also examine which type of funds to consider and which ones to avoid.

Towards the end, they discuss whether is it the right time to review your portfolio and whether pausing or stopping your existing SIP could be the right move. They also delve into the importance of adding fixed income instruments in your investment portfolio.

If you’re someone who wants to construct or review your investment portfolio now, then stay tuned till the end.

Sail through this tariff turbulence by clicking the link below.
https://www.youtube.com/watch?v=anV3amw9jHw

08/04/2025

💡Beyond the Job Description – How career choices impact your personal finances

As a salaried professional, it's easy to get caught up in the daily grind and neglect your financial well-being. But what if you could take a step back and re-evaluate your financial priorities?

Join Prathiba Girish on an insightful discussion with host Avanne Dubash on Season 2 of Temperament on Personal Finance TV, as she breakdowns the common financial pitfalls that different professionals fall into. Many of us fall into the trap of delaying financial planning, adopting the same financial plan that others follow, or taking unnecessary risks. But what if you could create a custom-fit financial plan that works for you, not against you?

Here’s a hint at what’s inside –
⏩ Why people delay financial planning
⏩ Why a “One size fits all” approach doesn’t work
⏩ How entrepreneurs and salaried individuals approach savings differently
⏩ Common financial mistakes that professionals make

The podcast dives deep into this, providing checklists and actionable insights to help you to take charge of your personal finances.

Watch the entire video by clicking on the link below and get the breakthrough you need to ensure that while you are focusing on succeeding in your professional career, your personal financial goals are also getting adequate attention and you succeed in achieving your family’s financial well-being.

https://youtu.be/lHf7dvgv1p0

04/04/2025

Building wealth is not about timing the market, but about time in the market.

When it comes to wealth creation, the 3S formula (STP, SIP, and SWP) is one of the most talked-about strategies. These are powerful tools, but simply having access to them isn’t enough — timing is everything. Understanding when and how to use each tool can truly make all the difference.

In this episode of Money Guru, hosted by Swati Raina on Zee Business, Prathiba Girish and her co-panelist Mohit Gang dive into the nuances of SIP, STP, and SWP. They share why SIP (Systematic Investment Plan) is often considered the best tool for wealth creation, and how its power of compounding helps investments grows over time in different market cycles.

Additionally, they discuss how STP (Systematic Transfer Plan) can help you manage market volatility when investing a lump sum by spreading the investment over time, reducing the risk of entering the market at an unfavourable moment. They also delve into tax implications and key factors to keep in mind for the same.

They also explore the ideal type of funds for SWP (Systematic Withdrawal Plan) and how to use this tool effectively to achieve your financial goals.

https://www.youtube.com/live/skA72qgykrA?feature=shared

01/04/2025

Is ELSS a Smart Investment Choice despite the New Tax Regime?

With the recent changes in the new tax regime, many taxpayers are reassessing their investment strategies, particularly their investments in ELSS Tax Saving Mutual Fund schemes . So, if you’ve already invested in these schemes, should you consider exiting them?

But what if we tell you that ELSS (Equity-Linked Savings Schemes) still offers strong reasons to stay invested. As one of the most popular options for claiming tax benefits under Section 80C, ELSS continues to hold its ground, even in the face of these changes.

So, why should you not close the chapter on ELSS just yet?

To find out, watch this episode of Money 9 hosted by Priyanka Sambhav, where Prathiba Girish discusses why ELSS remains a smart investment choice despite the changing tax landscape.

https://www.youtube.com/watch?v=28swGeHC5VE

Gratified to share that I've been featured in today's Economic Times (ET)’s ET Newsmaker section, highlighting “Empoweri...
10/03/2025

Gratified to share that I've been featured in today's Economic Times (ET)’s ET Newsmaker section, highlighting “Empowering Women through Financial Independence'! Truly humbled by this recognition!

It's heartening as well as gratifying to see how personal finance awareness among people is taking off! More and more pe...
04/03/2025

It's heartening as well as gratifying to see how personal finance awareness among people is taking off! More and more people are taking control of their financial future, especially when it comes to planning for important goals like retirement. Instead of just chasing quick returns, they’re asking the right questions and focusing on long-term investment strategies that align with their goals.

As always, it was a pleasure addressing some interesting investor questions on Your Money hosted by Deepali Rana on CNBC Awaaz, where I have discussed queries on selecting the right schemes, whether to buy mutual funds through MF apps or AMC websites, and whether SIP or lump sum investments are the better route to achieving financial goals.

Catch the latest episode using the link below!
https://www.youtube.com/watch?v=oh139qfpk0Q

Is Your Investment Strategy on the Right Track? Find Out What Works for You!Investing is often called an art—and for goo...
27/02/2025

Is Your Investment Strategy on the Right Track? Find Out What Works for You!

Investing is often called an art—and for good reason. As investors, we constantly grapple with questions like: Am I on the right path? Is my portfolio balanced? Should I follow the herd or stay ahead of the curve?

If these questions sound familiar, you're not alone. Let's dive into some of the key topics that can help you make informed decisions and build a strategy that suits your financial goals.

1. How many investment funds should I include in my portfolio?
2. Which investing style should I adopt?
3. Based on the size of my corpus, what is ideal range of the funds I should invest?
4. Is it a good idea to invest in NFOs, especially when the broad market is underperforming? If yes, then what factors should I evaluate before investing in an NFO?
5. Should I stop investing in small-cap stocks when the market is down?
6. What does it mean to be an aggressive investor?
7. How can single women effectively manage their finances, savings, investments, and debts?
8. Is it wise to invest in tax-saving options like ELSS, NPS, and PPF with the recent changes in the new tax regime?

Tune into the latest episode of B Wealthy hosted by Swati Kumari, where I dive deeper into these viewer queries and give you actionable advice to manage your investments.
https://www.youtube.com/watch?v=-UInqX1AP3E

Inculcating Financial Wisdom in our children.Remember the thrill of dropping coins into a piggy bank as a child? That si...
19/02/2025

Inculcating Financial Wisdom in our children.

Remember the thrill of dropping coins into a piggy bank as a child? That simple act was often our first lesson in saving. Fast forward to today, as parents, when we started giving our kids pocket money and slowly graduated them towards weekly or monthly allowances, we unknowingly planted the seeds of financial literacy. But for today’s younger generations (Gen Z, Gen Alpha) where the relative affluence and hence sense of entitlement is higher than it used to be during our generation, the conversations need to go deeper., to cover the importance of discipline and patience as well as the the ability to distinguish and prioritize between needs and wants.

In this episode of Money Guru hosted by Swati Raina, my co-panelist Poonam Rungta and I discuss how parents can instil the importance of financial planning and the concept of delayed gratification from a young age. We explore practical ways to lead by example when it comes to savings and investments.

Additionally, we address questions from young viewers, offering tips on how they can begin saving money early on.
Join us as we dive into how to raise financially-savvy kids in today’s world.

https://www.facebook.com/share/v/1BanHFGJcQ/

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