Contents@SWS
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Week 11: The Money Was Already Gone
– “I knew something was wrong. But I didn’t want to believe it.” That was how a client began describing a financial fraud during therapy. It hadn’t started recklessly. A relative had invested. A friend was making good returns. People around them were talking about the opportunity, and slowly, not investing started feeling like the… Continue reading
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SIP : सातत्य, संयम आणि शिस्त शिकवणारे माध्यम !
– ‘बाजार निर्देशांक खाली येतोय… SIP थांबवू का?’, बाजार घसरू लागला, की SIP द्वारे गुंतवणूक करणाऱ्या अनेकांच्या मनात हा प्रश्न हमखास येतो. याउलट बाजार सातत्याने वर जात असतानाही — ‘आता बाजार खूप वाढला आहे, SIP थांबबावी का?’ असाही प्रश्न अनेकांना पडत असतो. SIP च्या मुळाशी Systematic Investment Plan (SIP) म्हणजे ठराविक रक्कम नियमित अंतराने म्युच्युअल… Continue reading
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Week 10 : Maybe I Was Wrong
– “Arre, don’t sell it now. It will recover.” He had been saying this for three months. He had bought the investment after a friend he trusted recommended it. At the time, the decision felt easy. The friend was confident, had been investing for years, and had made good calls before. But the investment wasn’t… Continue reading
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UPI : भारताने जगाला दिलेली डिजिटल पेमेंट क्रांती
– भारताच्या आर्थिक व्यवहारांचे स्वरूप / सवय बदलण्यात UPI – Unified Payments Interface ने अत्यंत महत्त्वाची भूमिका बजावली आहे. ऑगस्ट २०१६ मध्ये सुरू झालेल्या UPI ने ऑगस्ट २०२६ मध्ये आपल्या कार्यकाळाचे यशस्वी दशक पूर्ण केले. UPI च्या या दहा वर्षांच्या प्रवासानिमित्त जाणून घेऊया—एका साध्या डिजिटल पेमेंट सुविधेने भारतीयांच्या आर्थिक व्यवहारांची भाषा कशी बदलली आहे त्याबद्दल…… Continue reading
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Week 9: Sometimes, “Doing Nothing” Is Also a Decision
– A few years ago, a retired couple renewed an FD. Then they renewed it again. And again. Every time the FD matured, the decision was almost automatic. The bank sent a message. They went in. The money was renewed. There was comfort in knowing exactly where the money was. No market fluctuations. No complicated… Continue reading
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जोडुनिया धन, उत्तम व्यवहार : मुले आणि गुंतवणूक समज
– कोणतीही सवय लहान वयात पटकन लागते किंवा वाईट सवय मोडायची झाली तरी लहान वयातच मोडावी लागते. गुंतवणुकीबाबत हाच नियम लागू होतो. आपण एकमेकांना भेटवस्तू देतो, कोणी वस्तू देण्यापेक्षा पैशाचे पाकीट देतात म्हणजे समोरची व्यक्ती तिच्या आवडीची वस्तू घेऊ शकेल. मोठ्यांच्या बाबतीत हे ठीक आहे पण लहान मुलांना पैशाचे मोल समजत नाही. त्यांना खेळणी, गेम्स,… Continue reading
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Week 8: The Investment Advice That Comes From the Jewelry Box
– In many Indian homes, there is a piece of jewelry that carries a story. A grandmother’s gold chain. A mother’s wedding bangles. A set of coins bought years ago. And often, along with the jewelry comes a sentence: “Gold has always been there for us.” Maybe your family bought gold years ago. It appreciated.… Continue reading
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HUF: A Smart Tax Planning Tool… But Not for Everyone
– Many people believe that creating a Hindu Undivided Family (HUF) is a shortcut to saving income tax. This is one of the most common misconceptions in financial planning. The truth is that an HUF can be a valuable tool for tax planning, wealth management, and succession planning—but only when used in the right situation.… Continue reading
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Week 7: When We Stop Looking for the Truth
– March 2020. Markets were falling sharply. Every day seemed to bring another frightening headline. Businesses were shutting down. The economy was uncertain. Investors were scared. And yet, something interesting was happening. Some investors were convinced that the market would recover. Others were convinced that the worst was still ahead. Both groups were looking at… Continue reading
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हर ख़्वाहिश पे दम निकले ….
– छत्रपती संभाजीनगरमध्ये नुकतीच घडलेली हृदयद्रावक घटना संपूर्ण महाराष्ट्राला विचार करायला लावणारी आहे. या घटनेमागील नेमक्या कारणांचा तपास सुरू आहे. तरीही यासम अनेक घटना आपण आजूबाजूस घडतांना बघत आहोत. महागड्या वस्तूंसाठी आयुष्य पणाला लावणारी तरुण पिढीची मानसिकता मन अस्वस्थ केल्याशिवाय राहत नाही. ही घटना झाल्यानंतर मनात जे विचार आले ते मांडण्याचा हा प्रयत्न ! १)… Continue reading
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Week 6: What Happens to Your Wealth When You Are Not There?
– Recently, one financial planner from India handled a transmission case involving investments worth more than ₹100 crore. ₹100 crore. It is a number most of us will never personally encounter. But what happened next carries a lesson that applies to every investor regardless of whether their portfolio is worth ₹10 lakh or ₹100 crore.… Continue reading
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SIR नोंदणी आणि सायबर फसवणूक!
– सध्या सायबर गुन्हेगार कोणतीही चर्चेतील घटना किंवा चालू सरकारी मोहीम यांच्या माध्यमातून इतरांच्या आर्थिक फसवणुकीसाठी प्रयत्नशील असतात. भारत निवडणूक आयोग (Election Commission of India) वेळोवेळी मतदार यादी अधिक अचूक, अद्ययावत आणि पारदर्शक करण्यासाठी Special Intensive Revision (SIR) मोहीम राबवत असते. या प्रक्रियेत Booth Level Officer (BLO) मतदारांची माहिती पडताळतो आणि आवश्यक फॉर्म भरून घेतो.… Continue reading
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Week 5: When Someone Else’s Confidence Becomes Our Conviction
– One of the investor experiences shared by an SWS advisor stayed with me. An investor had come across a specific investment that had been strongly recommended by a well-known expert. The person recommending it had credibility. They were experienced. They were confident. And most importantly, they sounded certain. So the investor decided to buy… Continue reading
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गरज आर्थिक साक्षरतेची: टेनिस स्टार अरांत्सा सांचेझ विकारिओचा धक्कादायक प्रवास!
– खेळाच्या मैदानात प्रतिस्पर्ध्याला धुळ चारणे सोपे असते, पण आयुष्याच्या मैदानात जेव्हा आपलाच माणूस पाठित खंजीर खुपसतो, तेव्हा सावरणे कठीण होते. अशीच एक धक्कादायक कहाणी सध्या समोर आली आहे. टेनिसप्रेमींना अरांत्सा सांचेझ विकारिओ हे नाव सुपरिचित असेल. ही स्पेनची माजी जागतिक क्रमांक १ टेनिसपटू आणि चार ग्रँड स्लॅम विजेती. तिने अलीकडेच आपल्या आर्थिक आयुष्याविषयी धक्कादायक… Continue reading
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Week 4 : Why We Panic Together
– March 2020. The country had just entered lockdown. Roads were empty. Shops were shut. Every news channel carried the same red ticker: “Markets witness biggest fall in years.” Phones wouldn’t stop ringing. Financial advisors across the country heard the same questions, over and over again. “Should I stop my SIP?” “Should I sell everything?”… Continue reading
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FaaS चा फास !!
– आपण आज Software as a Service (SaaS) या संकल्पनेशी परिचित आहोत. Gmail, Microsoft 365, Zoom, Canva, ChatGPT, Tally on Cloud यांसारख्या सेवांसाठी (Services) आपण सदस्यत्व (Subscription) घेतो आणि इंटरनेटद्वारे त्या वापरतो यालाच Software as a Service (SaaS) असे म्हणतात. यामुळे व्यावसायिक सेवा आपल्याला स्वतःला बनवाव्या (Develop) लागत नाहीत तर उपलब्ध सेवा हव्या तशा/ हव्या… Continue reading
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Week 3 : If Everyone Is Doing It, It Must Be Right… Right?
– Think about the last Indian wedding you attended. Someone bought a bigger diamond. Another family booked a grander venue. Someone upgraded their car just before the wedding. Within weeks, conversations begin. “Maybe we should also…” Not because we needed to. Not because we had planned to. But because everyone else seemed to be doing… Continue reading
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एका बँकरचे अनुभव खाते : भाग १८: हृदय तार जुळताना
– रंगनाथन आजोबांनी एका पाठोपाठ एक असे तीन महिने एक एक करून फिक्स डिपॉझिट रिसिप्ट मोडून तीन ठिकाणी RTGS ने पैसे पाठवले. सहज गप्पांमध्ये त्यांना याबद्दल विचारलं. तर ते म्हणाले, ‘नाहीतरी माझ्या नंतर मुलांचंच तर आहे सगळं ! नंतर द्यायचे ते आत्ताच देऊन टाकतो.’ मी म्हंटल ‘आजोबा, राग मानू नका. पण हे पैसे आपल्या मुलांना… Continue reading
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Week 2 : The Stories We Believe
— When a child in an Indian family receives their first salary, advice begins arriving almost immediately. “Buy gold. It never loses value.” “Purchase a house as early as possible. Rent is wasted money.” “Don’t put too much money in the stock market. It’s risky.” “Take an insurance policy. At least your money is safe.”… Continue reading
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इच्छापत्राचा प्रवास : प्राचीन इजिप्तपासून आधुनिक भारतापर्यंत
– आज एका ग्राहकाशी इच्छापत्र तयार करण्याविषयी सविस्तर चर्चा झाली. चर्चेदरम्यान सहजच एक प्रश्न मनात आला – “जगातील पहिले इच्छापत्र कोणी लिहिले असेल?” उत्सुकतेपोटी आंतरजालावर थोडी शोधाशोध केली आणि आश्चर्यचकित करणारी माहिती समोर आली. हजारो वर्षांपूर्वीच्या संस्कृतींमध्येही लोकांनी आपल्या पश्चात कुटुंबाची, संपत्तीची आणि वारसांची व्यवस्था करण्यासाठी इच्छापत्राचा आधार घेतला होता. ही माहिती वाचताना आणखी एक… Continue reading
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Welcome to SWS Financial Solutions Pvt Ltd, a leading financial advisory firm established in 1995, with a commitment to providing our clients with sound financial advice and personalized financial solutions. Our team of Certified Financial Planners (CFPs), Registered Investment Advisors (RIAs), Chartered Financial Analysts (CFAs), and Chartered Accountants (CAs) are dedicated to providing comprehensive financial planning and wealth management services to individuals, families, and businesses. Read more @ https://www.swsfspl.com/
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