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Financial Planning Mera Dhandha Mujhe 25% Deta Hai The sentence I hear every week in Jalgaon, and the one number that never makes it into the hisaab. Hitesh Kakkad September 2026·8 min read He picked up my visiting card from the table, turned it over, and took out his pen. I have watched this happen
Financial Planning Money Without a Name Gets Spent Nobody cycles from Nashik to Mumbai. Nobody takes a train from College Road to Gangapur Road. Yet with money, I watch people do both — every single week. Hitesh Kakkad September 2026·8 min read Sameer got the increment he had been waiting three years for. He did
Financial Planning Duniya Ka Sabse Mehenga Sentence Bees saal, hazaaron meetings, ek hi sentence — “Karna toh tha, sir. Reh gaya.” Aaj usi sentence ka poora hisaab. Hitesh Kakkad August 2026·7 min read Mere office mein ek kursi hai. Table ke uss taraf waali. Bees saal mein uss kursi par kaun nahi baitha. Business owners,
Investing Behaviour Bachche Ko Girne Do — Paisa Ko Bhi Nashik ke ek swimming pool ne mujhe sikhaaya — tumhara sabse “safe” investment hi tumhara sabse kamzor kyun hai. Hitesh Kakkad June 2026·8 min read Pichhle saal maine decide kiya — Prachi ko swimming sikhaani hai. Koi badi parenting philosophy nahi thi. Reason simple tha
Financial Planning Who’s Driving Your Portfolio? React to every dip, and you quietly become the second driver — heading for a crash. Hitesh Kakkad June 2026·8 min read Every few weeks, I get a message that goes something like this. An investor writes in — sometimes early in the morning, sometimes late at night —
Buying property for capital growth is one thing. Buying property for monthly cash flow is another. Mr. Patel has ₹3.2 crore in real estate and ₹0 monthly income — until he meets the REIT format.
There’s a Real Estate Format Most People Haven’t Tried Yet Read More »
Your portfolio statement shows two return numbers — CAGR and XIRR. Same fund, same period, yet they can differ by 4 percentage points. Only one of them remembers your full journey.
CAGR vs XIRR — The One Number That Actually Tells You How You’re Doing Read More »
Pehla kadam investing nahi hai. Pehla kadam yeh hai ki aap kisi ko kuch dene ki majboori se azaad ho. SIP shuru karne se pehle, apne karz ka hisaab lagao.