Avinash Luthria

MFCentral makes direct plan MF transactions more robust by eliminating the middleman and also significantly r…

Persistent high inflation in developing countries, including India, confuses people and makes them spend much…

One reason why the fee can't be lower than 3 per cent is that it is difficult for an RIA to do a good job and…

Your financial plan should not be based on slogans or catchphrases. Instead, keep asking why till you agree w…

A good financial plan must identify the reasons why a person could run out of money in his lifetime and find …

Active mutual funds on an average (and net of fees) underperform the index because they have less inside info…

Longevity risk, taxes, financial repression, unexpected high inflation, career risk, and psychological factor…

It is tempting to use zero-fee services paid for by other, financially less literate, clients. But none of us…

It is a myth that those who are knowledgeable about personal finance should not engage with an RIA

...and how to select an Index Fund

Keeping your head when others are losing theirs

Longevity, post-tax real-returns, insurance and the trade-offs between goals are all difficult to predict …

Clients unknowingly gift two apartments to a 1% of AUM Financial Planner over 30 years. So, if you choose to …

Ask Fixed-Fee RIAs to disclose the number of hours of effort

There is no predictable way to become rich but there is a predictable way to avoid becoming poor; Excerpt: Di…

Fee-Only (Advice-Only) i.e. Hourly-Fee Financial Planners themselves differ significantly in three important …

Rationality dictates that we use index funds instead of active MFs in India. There are no robust rational arg…

Fees of 1% p.a. means losing 26% over 30 years Note: Common / ancient Indian terms used in this article ar…

It is a myth that 'Smart beta or factor investing (example, investing in small-cap index funds) allows you to…

Retirement calculators are complex, and their complexity is causing problems. These black-box retirement calc…

Almost everything you have heard about financial planning and investing is wrong

Don’t fall for these false claims • Claiming that back-testing proves that an investment strategy will work…

Ignore false arguments against index funds: * Focusing on the best performing survivor funds to claim that a…

You should invest in a PE / VC / Hedge Fund only if you can manage such a fund