by Naveen Julian Rego | Oct 25, 2025 | Personal Finance
Recently, I interacted with a young couple who had taken a large housing loan. They sought my opinion on two possible approaches: Opting for a long tenure with a lower EMI and investing the surplus in mutual fund SIPs, or Increasing the EMI to repay the housing loan...
by Naveen Julian Rego | Oct 15, 2025 | Personal Finance
Recently, while reviewing a fact sheet of a short-term debt mutual fund with its manager, one detail caught my attention — the expense ratio. The expense ratio represents the operating costs charged by a mutual fund for managing investors’ money. It includes fund...
by Naveen Julian Rego | Oct 14, 2025 | Personal Finance
After delivering my speech at a recent program, one of the participants asked me, ‘How much further will gold prices go up?” I replied with a smile, “Your guess is as good as mine”. The Reactions to Gold’s Rise The relentless rise in gold prices usually evokes three...
by Naveen Julian Rego | Oct 11, 2025 | Personal Finance
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...
by Naveen Julian Rego | Sep 25, 2025 | Personal Finance
All asset classes—gold, real estate, bonds, equities—are shining. Mutual fund SIPs are at record highs, IPO collections are breaking records, numerous thematic Mutual funds NFO’s are launched, tax rates are being reduced, and AI mania is fueling optimism. Everything...
by Naveen Julian Rego | Sep 22, 2025 | Personal Finance
In our client interactions, we often come across two common situations: Individuals with large exposure to their own companies through Employee Stock Options (ESOPs). Individuals who build concentrated bets on certain sectors or strategies due to their knowledge or...
by Naveen Julian Rego | Sep 18, 2025 | Personal Finance
I recently had a very interesting conversation with one of our doctor clients. He mentioned that many patients today walk into consultations after doing research on Google or ChatGPT. His view was that this often wastes valuable time, since every case is unique and...
by Naveen Julian Rego | Sep 15, 2025 | Personal Finance
Once, an individual was driving a high-end car when it suddenly broke down. Fortunately, an engineer happened to pass by. The owner asked for help. After carefully examining the engine, the engineer pointed to a spot and asked a passerby carrying a hammer to strike...
by Naveen Julian Rego | Sep 13, 2025 | Personal Finance
The following is a curated list of interesting financial products that could form part of an investor’s portfolio. As always, please consult a Registered Investment Adviser or a Certified Financial Planner to assess their suitability for your personal financial...
by Naveen Julian Rego | Jul 17, 2025 | Personal Finance
Important Note: This article is not intended for qualified personal finance professionals or high-net-worth individuals with dedicated financial management resources. Over two decades as a practicing financial planner, I’ve often met “DIY investors”—people who prefer...
