Mobiles have become an integral part of our daily lives and with high-speed internet reaching every nook and corner of India, nothing seems inaccessible and unwanted. India is a country with a vast geographical spread; It will take another 2-3 decades to educate and educate people about the importance of investing and saving. But sincerely thanks to the start-up ecosystem that this has become possible in a short span of time. A person sitting in a Tier II or Tier III city can invest in MFs, stocks, IPOs and bitcoin with just the click of a button with the help of a fintech app. Most importantly, why should we invest and save, as every financial advertisement says, “Investing in the securities market is subject to market risk. Please read all relevant documents before investing”. It explains everything in a nutshell.

Now think of it this way, you are driving a car without knowing the importance of A, B, C (accelerator, brake and clutch) and shifting gears at the right time and at the right speed, the result will be an accident that will leave you. You are in with bad memories and you will think twice to start driving again. Instead, the better approach would be to first understand the synergy between all of them with the help of an expert, who will not only help you understand the synergy between all of them but will also make you understand the traffic rules to avoid mistakes or accidents. May be Should be avoided in the near future.

Similarly, before you start saving and decide to invest in any regulated product, you should be aware of the basic features of the products – such as what are the risks and volatility associated with them, will it be your long term investment? What will help you in achieving the term or short term goal, what is the potential for loss and most importantly you will be able to manage your behavior in tough times without any proper hand.

After knowing all the basic information and features you should also be aware of the proper mix of products that will give you optimum returns.

In short, caveats – like consult an expert, profile your risk, understand market dynamics, risk and volatility associated with the products, should also highlight the right product mix that will drive fintech apps and financial inclusion efforts. Truly strengthened. Wise and hard earned money can be used in a better way.

Thoughts are personal: The author is Vidit Bhura, Partner, JNV Financial Services LLP from Jaipur.

Disclaimer: The views expressed are those of the author and are personal. TAML may or may not subscribe to it. The views expressed in this article/video are in no way trying to predict the markets or time them. The views expressed are for informational purposes only and do not imply any investment, legal or taxation advice. Any action taken by you based on the information contained herein is your responsibility alone and Tata Asset Management will not be liable in any way for the consequences of such action by you.


Mutual fund investments are subject to market risks, read all the scheme related documents carefully.