ON THIS EPISODE WE COVER:

- A question on calculators and how to budget for increasing expenses
- How to deal with crazy numbers that calculators throw up
- Medical insurance for NRIs who will return to India
- Is 10,000/- a good room rate sublimit?
- How to consolidate Mutual Funds already invested in?
- Sid's idea of a COMPLETE portfolio that has just TWO MFs !
- Direct equity investing to avoid expense ratio of MFs?
- Aggressive Hybrid funds
- How to deal with finances of my parents
- How did the generations of the past plan for retirement? 

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ON THIS EPISODE WE COVER:

- How to quantify investing in your fitness !
- Sid asks Pattu to quantify investing in relationships !
- Back tests on Gold ETFs
- Pattu's views on India's 5-10 year future
- User arguments over Fee only RIAs vs %age of profits
- How does one remove conflict of interest from MF distributors?
- Just like Martin Luther King, Pattu says "I have a dream!"

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On this Episode we cover:- WHICH of the performing actively managed funds should one select?
- Why Pattu is not moving his investments to index funds
- How luck has played a part for Pattu
- The touchy topic of Fund Managers
- How an anonymous financial expert changed Pattu's mind about Factor funds
- Phase Difference between the west and India
- How from 800 products, Pattu has filtered it down to 10 products
- Pattu recounts an old Asterix tale (Mansion of the Gods)
- How Mutual Funds make money and Expense Ratios explained
- As basic as possible, Pattu lays out taxation for Mutual Funds
- NFOs, and who they are for
- Pattu says small AUMs for actively managed funds is not a problem
- How does one diversify investments out of India?
- What's an open ended fund and what is a close ended fund?
- Difference between Growth and IDCW options
- What are SWPs and STPs? And why you should be careful about them.

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On this Episode we cover:- How SIPs and XEROX are similar
- Before knowing which Mutual Fund to select, what we really need to know
- The best products for short term goals
- Why Liquid Funds are in the same category as FDs and RDs
- Why FDs and RDs are NOT tax efficient. And how they are taxed.
- The definition of an 'Equity' fund
- The break down of Equity MFs
- Why holding ~5% cash for MFs is important
- Hybrid Funds and Arbitrage Funds
- Why Pattu has used Taxation as a handle to categorise Risk in MFs
- Pattu's thoughts on SEBI's risk meters!
- How to invest for 'medium term' goals. Go easy.
- Pattu delves into actively managed and passively managed funds.
- We hear about 'Factor' funds (under passively managed funds)

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ON THIS EPISODE WE COVER:

- Vikram laying out the process he follows
- Understanding the Cash Flow of each client
- Prioritising when there are too many goals
- The Tools that Vikram uses to present and structure a plan
- Does this process change for Freelancers?
- Vikram tells us what he thinks the real value that a RIA brings to the table is
- Pattu tells us what he feels the true value is
- How many of Vikram's clients are returning customers? (And is that bad for business?)
- How does a client trust enough to share all their financial information?
- After a decade of Financial Planning, what advice does Vikram have for YOU?
- How Vikram reacts to clients who want F.I.R.E.
- Vikram's thoughts on ReBalancing and DeRisking
- What is the pressure that an RIA goes through?
- After 10 years, what does success look like for an RIA like Vikram
- Advice and inspiration for aspiring FEE ONLY RIAs
- How can we take financial advice to the masses?

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ON THIS EPISODE WE COVER:

- How this all began in 2014
- Vikram's background in Canada with Wealth Management and Financial Planning
- If Financial Planning is only for Rich people
- The real value that DIY investors get from Vikram
- Why RIAs reject some clients
- Pattu points out how Doctors and Lawyers are different from a Financial Planner, in the world of Professionals
- What FPs do NOT do as part of their service
- Pricing for Fee only RIAs
- Around 1000 registered RIAs, but how FEE ONLY RIAs are a precious few!
- The price range of fee only RIAs

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ON THIS EPISODE WE COVER: - Are there ratings of RIAs? How does one select a good one? - Pattu's list of RIAs (16 people) - What is the process to become a SEBI registered RIA - Pattu shares a survey taken of people who use RIAs (link to be shared) - The 2 most important factors for selecting an RIA - Is financial planning for the masses ? - Pattu's advice to those interested in becoming RIAs - When is the right time in your investing journey to reach out to an RIA

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ON THIS EPISODE WE COVER:

- How Pattu got started himself all those years ago
- Why some people need a Financial Advisor
- A list of players who offer this kind of advice
- Insurance agents and how they work
- How online content is so important for these players
- MF distributors, RIAs and RoboAdvisors - the difference
- FInfluencers !
- SEBI registered Portfolio Managers
- SEBI registered Research Analysts
- Unregulated stock tips!
- %age of your Assets - a flawed argument?
- P.V. Subramanium's analogy!
- How AI will change financial planning
- Dependency - good or bad?

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