personal finance

Regulation is inadequate protection against greed

Personal Finance, Press / By /

A well regulated market is good for any Business or Profession as it imparts confidence to consumers and leads to orderly development of market for that product or service. Overregulation increases compliance costs and drives smaller players out of the market. It also leads to some players shifting to low or zero regulation markets.
Harsh Roongta’s article in Business Standard today. 😀

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Run numbers, you may have enough to quit

Financial, Personal Finance, Press / By /

Many professionals already have the required F*** Y** fund if only they would do the calculations. Like huge elephants who are conditioned to believe they cannot break free from the short ropes that hold them they continue on the treadmill. One of the biggest pleasures of our advisory profession is to see the light go up in our clients eyes as they realise they can pursue the lifestyle that they had been dreaming of. Harsh Roongta’s article in Business Standard today . Your comments are welcome as usual.

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Move from debt to equity, but gradually

Financial, Investments, Personal Finance, Press / By /

Harsh really love this article written by him that appeared on Thursday March 19, 2020 a few days before the single day Junta curfew imposed on Sunday March 22, 2020 and the covid lockdown that commenced from Wednesday March 25 , 2020. I vividly remember the atmosphere during that time and the pall of fear and uncertainity surrounding everything that we had always taken for granted till then.

The atmosphere was such that one doubted long held principles in the face of the completely unprecedented situation. I am proud of the fact that the introspection under tremendous pressure helped him to decide to stick to his pre set rules . Now in hindsight the article makes me appear prescient 🙂 but it was a scary ride at that time. As He wrote – courage is not the absence of fear but the ability to act despite the fear 🙂

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.