Why small investors need real advice, not just products India has moved from a world where only a few invested in markets to a world where crores of first-time investors are buying mutual funds, stocks and ETFs through apps and distributors. Yet, for the truly small investor—the household doing a 2,000-rupee SIP, the serving and retired jawan, the first-generation salaried saver—the biggest gap is not access to products, but access to trustworthy, understandable, affordable a

As you transition into retirement after distinguished military service, understanding how to manage investment and property income becomes crucial for preserving your wealth. While capital gains taxation receives considerable attention, the complete picture involves both gains and losses. This comprehensive guide explains how to strategically manage both to minimize your tax liability while maximizing retirement wealth. Understanding Capital Gains and Losses Capital gains ar

(updated 20 Nov 25) Working paper by Col Abraham Cherian, Retd Founder 360° wealth advice SEBI RIA, Regd No: INA000019594 Executive Summary 1.      This paper comprehensively examines the reasons why fee-based Registered Investment Adviser (RIA) models have not scaled in India, details the strengths and weaknesses of the current mutual fund commission system, and proposes a flat commission framework  as a solution for delivering unbiased investment advice to a broader populat