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 […]

Health & Other Insurances: Protecting Financial Goals from Life’s Biggest Unpredictables

Wealth First explains why insurance is the umbrella every financial plan needs. In our previous discussion on volatility, we learned that market fluctuations are normal and manageable. But not every uncertainty can be “ridden out.” Some life events arrive like a sudden storm: unannounced and intense. Just as we carry an umbrella to protect ourselves […]

SIP: Turning Small Steps into Lasting Wealth

Wealth First explains how disciplined investing and rupee-cost averaging help you build wealth systematically. In our previous article, we explored how mutual funds act like rivers: many small investments combining into a powerful current of collective growth. Now, let’s look at how to join that flow; one drop at a time. That’s where Systematic Investment […]

Mutual Funds: The Core Investment Vehicle for Every Investor

Wealth First explains how mutual funds simplify investing, diversify risk, and help you grow wealth with discipline. Imagine countless small mountain streams flowing together to form one powerful & steady river. Each drop contributes to the current; shaping its direction and momentum. That’s how mutual funds work: a collective of many individual investments converging into […]

Fixed Deposits: Understanding the Most Familiar Instrument and Its Limits

Wealth First explains why FDs have been a trusted savings option and what investors should know beyond them. For generations, Fixed Deposits (FDs) have been India’s favourite financial instrument. They are simple, familiar, and dependable. Ask almost anyone how they started saving and investing, and chances are their answer will begin with an FD. What […]

Emergency Fund: Your Safety Net for Life’s Unplanned Moments 

When we think of financial planning, our minds often go straight to investing—stocks, mutual funds, or long-term goals like buying a home or retirement. But before we even start investing, there’s one essential foundation every investor must have: an emergency fund.  What is an Emergency Fund?  An emergency fund is money set aside specifically to […]