The Dashboard That Wasn’t Connected
Subtitle: Why feeling in control isn’t the same as being in control. Krish loved apps and dashboards. His phone was filled with them. Health trackers, habit apps, smart-home widgets, etc. Every morning, he’d tap through 12 different apps: sleep score, step count, weekly goals, productivity bars and more. If a number dipped, he made an […]
Yield: Understanding Returns in Bonds and Fixed Income Instruments
Wealth First explains how yields show the real fruit your investments bear and why they matter beyond bonds. Imagine a tree. You plant it, nurture it, and over time, it begins to bear fruit. The tree is your investment, and the fruit it produces each season is your yield: the income or return that your […]
The Alarm That Wasn’t There
Subtitle: Why rare risks feel distant until they don’t. Mira had always been cautious about digital security. She used strong passwords, enabled two-factor authentication, and regularly updated her apps. One afternoon, her friend forwarded a news clip: “Major cyber-attack compromises millions of users worldwide.” Within minutes, Mira felt a surge of panic. She changed every […]
NAV (Net Asset Value): The Price Tag of a Mutual Fund and What It Reveals
Wealth First explains why NAV is the heartbeat of every mutual fund and how it helps investors understand what their money’s really worth. As we move deeper into the Wealth First Explains series, we now begin exploring some of the core concepts and ratios that define investing itself. And among the most fundamental ones — […]
The Closet That Never Changed
Why we hold on long even after the usefulness is gone. Every season, Nisha promised herself she would declutter her wardrobe. Every season, she would open the cupboard, sigh at how full it was, and begin the same dance: pull out shirts, hold them, feel something, and quietly fold them back. It wasn’t that the […]
Portfolio Management Services (PMS): When Your Wealth Needs Professional Management
Wealth First explains how PMS helps investors take the next step in personalized wealth creation. As investors grow in their financial journey, many reach a stage where simple investment products—like mutual funds—may no longer fully align with their goals or complexity of assets.At that point, Portfolio Management Services (PMS) becomes the next logical step: a […]
The Mirror Of The Moment
We are starting a new series: In Mint Condition — fresh takes on timeless wealth wisdom. This series is about short, story-led pieces that try to make sense of often less-talked aspects of Investments such as behaviour, psychology, perception, emotions and more. This is an attempt to put together simple principles, thoughtful analogies, and small […]
Liquidity: How Quickly Can Your Wealth Move When You Need It Most?
Wealth First explains why flexibility and access to money matter as much as growth. Water has been a recurring theme in our recent discussions: waves of volatility, the umbrella shielding us from financial downpours, and the flow of investments across multiple streams in diversification. Now, let’s focus on what makes water most powerful: its ability […]
Unsystematic Risk: Why Diversification Protects Against Sector-Specific Shocks
Wealth First explains how spreading investments shields you from the risks that target individual companies or sectors. In our last discussion, we explored how diversification acts as the simplest insurance against uncertainty. But let’s look closer at what kind of uncertainty diversification actually protects us from. This brings us to a critical concept in investing—unsystematic […]
Diversification: The Simplest Insurance Against Uncertainty
Wealth First explains why spreading your investments is the most practical shield against market unpredictability. In our previous discussion, we explored how insurance protects wealth from life’s unexpected events.But what about the uncertainties you can’t predict or control like sudden market movements, global crises, or changing economic cycles? That’s where diversification becomes your next line […]