Imagine walking into a casino and winning all 5 bets in a row. Are you really skillful… or just plain lucky?
What actually defines skill? Does having skill guarantee results? Even a qualified doctor can’t promise perfect health — so how do we measure skill in our field of financial planning?
Over the last 5 years post-COVID, anyone investing in stocks or equity mutual funds, locally or globally, made money. It didn’t matter whether you managed your own money or followed an influencer — the results looked great. So, was that skill… or just luck riding a rising market?
That’s where true financial planning skill comes in.
A Fee-Only Financial Planner doesn’t start with products or predictions — we start with you: your goals, risk profile, responsibilities, time horizon, and cash flows. Based on that, we design an asset allocation strategy that fits your life, not the market noise.
A good portfolio isn’t about chasing returns. It’s about building a plan that helps you stay calm when markets swing — because your short-term needs aren’t tied to volatile assets.
Real financial success isn’t about getting rich quick. It’s about surviving and staying steady through all market cycles. Those who stay the course — without letting markets dictate their moods — ultimately win the long game.
Your financial goals shouldn’t be left to chance. That’s where a Certified Financial Planner (CFP®) or SEBI Registered Investment Adviser (RIA) adds real value — bringing clarity, structure, and discipline to your financial life.
On a closing note — were you lucky or skillful in your gold investment… or did you fully miss the bus?
Naveen Julian Rego – CFP®
MD & Principal Officer
Date: 11-10-2025
Note and disclaimers:
- Investment in the securities market is subject to market risks. Read all the related documents carefully before investing.
- Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
- Financial products recommended by us which are under the jurisdiction of other regulators are beyond the scope of SEBI’s grievance mechanism.