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Latest Posts
Philosophy of Money
Permission Granted

Amar Pandit , CFA , CFP
“You have my permission.” That’s what I want to tell so many people. You have my permission to travel business class. You have my permission to buy that car you love. You ….Read More
May 27, 2025 | 6 Minute Read
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Nano Learning
The Most Powerful Tool for Investors

Amar Pandit , CFA , CFP
Bruce Lee once said, “Empty heads have long tongues. Media prophets of doom seek attention by scaring the crap out of you. Please don’t listen to them.” What a stunning truth.
May 23, 2025 | 3 Minute Read
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Philosophy of Money
How Many Units of Deferred Consumption Should You Keep?

Amar Pandit , CFA , CFP
Warren Buffett once said that savings is simply “a unit of deferred consumption.” Four words. But like many things Buffett says, it’s deceptively simple. It sounds like co ….Read More
May 20, 2025 | 6 Minute Read
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Nano Learning
Compounding Doesn’t Like Distractions—Or Taxes

Amar Pandit , CFA , CFP
If you ever doubted the power of staying invested—and staying tax-efficient—this visual says it all. Start with $1. Double it 20 times. Tax-free, that $1 becomes over $1 mill ….Read More
May 16, 2025 | 3 Minute Read
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Personal Finance
The Word Salads On Offer

Amar Pandit , CFA , CFP
A global bank’s head of wealth recently said, “We remain cautious in terms of where to deploy incremental risk assets. Our message has not been to liquidate your portfolio and ….Read More
May 13, 2025 | 6 Minute Read
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Featured
What Should I Do About the War?

Amar Pandit , CFA , CFP
“It seems like the India-Pakistan war has begun. What is the impact of this on my portfolio? Do I need to do something? A friend told me ‘Buy gold… Buy silver,” said Megha, ….Read More
May 9, 2025 | 7 Minute Read
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Behavioral Finance
The Rearview Mirror

Amar Pandit , CFA , CFP
I’m writing this post as Ganesh, an investor who recently had a powerful realization. It came from a simple newspaper clipping he sent to his financial professional. What followe ….Read More
May 6, 2025 | 6 Minute Read
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Nano Learning
The Real Edge in Investing

Amar Pandit , CFA , CFP
What’s the most important quality for an investor? Is it intelligence? A sharp mind? Deep knowledge of the markets? It’s easy to think so. But Warren Buffett said ….Read More
May 2, 2025 | 2 Minute Read
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Personal Finance
What Are You Really Investing For?

Amar Pandit , CFA , CFP
A few weeks ago, I met Aakash, a client of one of the firms we had recently acquired at Happyness Factory. He was a sharp, articulate gentleman. A professor of business analytics. ….Read More
April 29, 2025 | 6 Minute Read
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Nano Learning
The Happyness Factory Manifesto

Amar Pandit , CFA , CFP
We are not in the business of money. We are in the business of meaning. We do not exist to sell products. We exist to ask better questions. To listen deeply.
April 25, 2025 | 2 Minute Read
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About Amar Pandit
Amar is a CFA Charterholder from CFA Institute, Virginia, USA and a Certified Financial Planner. He is also an alumnus of the Wharton School of the University of Pennsylvania.
Amar Pandit is the Founder of several companies that are making a Happy difference in the lives of people. His first one was “My Financial Advisor”, the happiest and best Private Wealth Management Firm that helps High Net worth Business Owners, Corporate Executives, Doctors and Celebrities to make smart and informed choices about money. He is currently the Founder of Happyness Factory, a world-class online investment & goal-based financial planning platform through which he aims to help every Indian family save and invest wisely. He is very passionate about spreading financial literacy and does so through his sharp and analytical columns published regularly in leading financial dailies, publications and portals. He is the author of 4 bestselling books (+ 2 more to release in 2020), 8 Sketch Books and 700 + columns for various newspapers such as Economic Times, Business Standard, Times of India, DNA, Hindustan Times, Mint, Indian Express and magazines. He has developed a board game “Financial Premier League" which is a fusion of cricket and personal finance. Besides this, he has developed Corporate Workshops on Financial Literacy and has developed the first financial literacy program for children between the age group of 5 and 12.
Show LessAmar's Philosophy
It’s a myth that More Money = Happiness.
Yes, we have all heard that it is better to cry in a BMW than cry on the road. However, what matters at that point is that you are crying and unhappy. Your location is not relevant, you are just like the other person crying on the road. The point is that if “More Money = Happiness” were indeed true, the richest people would also be the happiest; the most seemingly beautiful and rich people would not be depressed.
What Amar's Reading
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Living Into Leadership: A Journey in Ethics
Book By : Bowen H. McCoy
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High Performance Habits: How Extraordinary People Become That Way
Book By : Brendon Burchard