A quick announcement before I begin today’s post – 

My new book, Boundless, is now available for ordering!

After a wonderful response during the pre-order phase, I finally have the book in my hands and am shipping it out quickly. If you’d like to get your copy, click here to order now. You can also enjoy lower prices on multiple-copy orders.

Plus, I’m offering a special combo discount if you order Boundless along with my first book, The Sketchbook of Wisdom. Click here to order your set.

I was obsessed with cricket during my school days. There was a chance to represent my school in a match against a visiting South African U-19 side, and I was pushing hard to secure a place in the final eleven for our team.

I played as a leg spinner. And if you’ve ever bowled leg spin, you know it’s a bowling style that dances on the edge of brilliance and disaster. I often struggled during practice matches and net sessions. One delivery would turn sharply, the next would land halfway down the pitch and disappear into the trees. Some days I felt unstoppable. On most others, I felt like I didn’t belong.

After one particularly frustrating session, I told my coach I was thinking of giving it up. “Maybe I’m just not cut out for this,” I said.

A quick announcement before I begin today’s post – 

My new book, Boundless, is now available for ordering!

After a wonderful response during the pre-order phase, I finally have the book in my hands and am shipping it out quickly. If you’d like to get your copy, click here to order now. You can also enjoy lower prices on multiple-copy orders.

Plus, I’m offering a special combo discount if you order Boundless along with my first book, The Sketchbook of Wisdom. Click here to order your set.

The Internet is brimming with resources that proclaim, “nearly everything you believed about investing is incorrect.” However, there are far fewer that aim to help you become a better investor by revealing that “much of what you think you know about yourself is inaccurate.” In this series of posts on the psychology of investing, I will take you through the journey of the biggest psychological flaws we suffer from that causes us to make dumb mistakes in investing. This series is part of a joint investor education initiative between Safal Niveshak and DSP Mutual Fund.

If there’s one thing the stock market is good at, it’s making us restless. When prices go up, we worry that we’re missing out. When prices fall, we fear we’re losing everything. And when prices do nothing at all, we grow impatient, wondering if we should be doing something to “make our money work harder.”

This constant swing between fear, greed, and boredom creates a discomfort and a nagging itch that tells us we shouldn’t just sit and watch. That maybe we need to act or intervene to feel in control of what’s happening.

A quick announcement before I begin today’s post – My new book, Boundless, is now available for ordering!

After a wonderful response during the pre-order phase, I finally have the book in my hands and am shipping it out quickly. If you’d like to get your copy, click here to order now. You can also enjoy lower prices on multiple-copy orders.

Plus, I’m offering a special combo discount if you order Boundless along with my first book, The Sketchbook of Wisdom. Click here to order your set.

Growing up in India, we’re taught early that money is serious business. Whether it’s our elders chanting “paise ped pe nahi ugte” (money doesn’t grow on trees), or the unspoken pressure to earn well, save religiously, and buy a house before 35, financial responsibility is part of our DNA.

By the time you hit your 40s, you’ve likely made some of life’s biggest financial decisions. You’ve taken a home loan, invested in gold, started saving for your children’s education, maybe even planned your retirement.  

But this decade also brings reflection. You start questioning old money habits. You revisit long-held beliefs. You move from just “accumulating” to wondering what it all means. 

So, if you are in your 40s, or about to reach there, here are 10 money revelations I’ve come to embrace in my 40s. I’ve tried to draw these from Indian realities, our cultural quirks, and a growing desire to lead not just a financially stable life, but a meaningful one.

Let’s go.

A quick announcement before I begin today’s post – My new book, Boundless, is now available for ordering!

After a wonderful response during the pre-order phase, I finally have the book in my hands and am shipping it out quickly. If you’d like to get your copy, click here to order now. You can also enjoy lower prices on multiple-copy orders.

Plus, I’m offering a special combo discount if you order Boundless along with my first book, The Sketchbook of Wisdom. Click here to order your set.

I am writing this series of letters on the art of investing, addressed to a young investor, with the aim to provide timeless wisdom and practical advice that helped me when I was starting out. My goal is to help young investors navigate the complexities of the financial world, avoid misinformation, and harness the power of compounding by starting early with the right principles and actions. This series is part of a joint investor education initiative between Safal Niveshak and DSP Mutual Fund.

Dear Young Investor,

I hope you are doing well, and that the lessons we have covered so far have helped you in guiding you through the early stages of your investing journey.

In today’s letter, I want to share with you something no one told me when I was starting out more than 20 years ago, and that I learned the hard way, by faltering and making mistakes.

A quick announcement before I begin today’s post – 

My new book, Boundless, is now available for ordering!

After a wonderful response during the pre-order phase, I finally have the book in my hands and am shipping it out quickly. If you’d like to get your copy, click here to order now. You can also enjoy lower prices on multiple-copy orders.

Plus, I’m offering a special combo discount if you order Boundless along with my first book, The Sketchbook of Wisdom. Click here to order your set.

The Internet is brimming with resources that proclaim, “nearly everything you believed about investing is incorrect.” However, there are far fewer that aim to help you become a better investor by revealing that “much of what you think you know about yourself is inaccurate.” In this series of posts on the psychology of investing, I will take you through the journey of the biggest psychological flaws we suffer from that causes us to make dumb mistakes in investing. This series is part of a joint investor education initiative between Safal Niveshak and DSP Mutual Fund.

There’s a peculiar thing about human nature—we struggle to let go. We hold on to old clothes that no longer fit, relationships that have long since lost their warmth, and ideas that no longer serve us. We tell ourselves that we’ve already invested too much—maybe time, or money, or ourselves—to simply walk away. 

And like all of our quirkiness, even this reluctance to let go is deeply wired into us. Behavioural psychologists call it ‘loss aversion‘, which is the tendency to fear losses far more than we appreciate gains. It explains why people stay in jobs they dislike, why gamblers keep doubling down, and why investors often refuse to accept the obvious.