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Latest Posts

The Market Marches On

Pandemics. Wars. Bear markets. Recessions. Inflation. Tariffs. Debt ceilings. Elections. Every one of these words has, at some point, been the headline that rattled investors. Made them ques ....
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The Confrontation

Which customers are most likely to be taken for a ride? It’s a strange question to ask, but one worth reflecting on. And the answer might surprise you. It’s not always the inexperience ....
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The Dangerous Moment

The image above captures a moment that every investor faces. You have been walking on a well-designed path. A disciplined, well-thought-out journey that has brought you steady progress. It ....
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The Bitcoin Signal Most People Miss

It quietly crossed a line. No fireworks. No grand announcement. Just a moment. A moment when 1 kilogram of 24 Karat gold was equal to 1 Bitcoin. A moment when Bitcoin overtook Amazon to b ....
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When a Slipper Becomes a Selfie Stick

Happiness is often misunderstood. We chase it through money, possessions, and external milestones, believing these will complete us. But true happiness is rarely about what we have.

Was the Sky Really Falling?

When was the last time we saw Delta up 12% in a day? Or United up 15%? Or American Airlines soaring 13%? Not in a long while. And yet, that’s exactly what happened on July 10th, 2025. Th ....
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Long-Term Generous?

The stock market is famously long-term generous. History shows it rewards patience, discipline, and a good plan like almost nothing else can. But in the short term? It’s famously unpredi ....
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From Fear to $4 Trillion

It wasn’t that long ago, just a few months back that you and I could scroll through our feeds and see headlines screaming: “Nvidia’s Rally Is Overdone.” “China’s DeepSeek Threa ....
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The Only Real Wealth

Alfred Nobel once wrote, “Contentment is the only real wealth.” At first glance, it sounds like a philosopher’s line: poetic, soft, maybe even impractical. But stand in my shoes for ....
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Letter to Mahesh Ramaswamy

It feels almost impossible to write these words. To speak of you in the past tense, when every part of me wants to believe I’ll see your familiar smile walking through that door any moment ....
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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.

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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.

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Amar'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.

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What Amar's Reading