In my mid-20s, my parents convinced me to buy a house. They insisted, I should have my own house before my family expands. Like a diligent son, I followed their advice—invested all my savings, took on a substantial home loan,…
That question hit me during a recent client conversation – just a day before Independence Day. We were discussing portfolio allocation for the next decade when he asked – “In all your years managing wealth, what’s the single biggest opportunity…
Some industries collapse quietly. The music business didn’t. In 1999, it was worth $22 billion. Fifteen years later, piracy had gutted its revenues by 40%. The internet made music free, and global box office earnings were double the size of…
“What if the most important portfolio you’ll ever build isn’t financial?” I’ve been thinking about legacy lately. Not the kind written in annual reports or carved on building nameplates, but the everyday legacy we create through the conversations we have—and…
In 2007, India’s Micro-Finance Industry had just ₹6,000 crore in assets under management. Today, that figure stands at ₹3.8 lakh crore—a staggering 70x jump in 17 years. This is a financial revolution that has brought 7.8 crore Indians into the…
Last Tuesday, I was having coffee with a client—a successful tech entrepreneur who’d built and sold two companies. He pulled up his portfolio on his phone and confessed something that made me smile: “Sandeep, I’ve been quietly buying everything Rakesh…
Liquidity events are special. They condense years of work into one defining moment—a mix of pride, relief, and the weight of what comes next. Every week, I speak with someone navigating this exact moment. Just last week, I met a…
During the covid-19 pandemic, a batchmate from IIM-B reached out for help. He’s as accomplished as they come—senior partner at a consulting firm, sharp business acumen, substantial wealth accumulated over years of smart career moves. But when I reviewed his…
A confession: Last week, during a flight delay, I noticed something peculiar. The executive sitting across from me, who’d been reviewing financial reports, kept switching between his laptop and phone. Eventually, I caught him sneaking in a quick game of…
For years, Indian startups looked West. Incorporate in Delaware. Raise from Sand Hill Road. List on Nasdaq. This was the dominant and default model for anyone looking to scale. Infosys was among the first to tap the U.S. capital markets.…