Key Takeaways1 February 16-28, 2026

1. Bonds as a Portfolio Tool: Positioning Fixed Income for Balance and Growth
Speaker: Sanjeev Kumar, Co-CEO & Founding Member, Bondvue

Context: The role of fixed income in portfolio construction and long-term wealth creation. It highlighted how bonds help balance equity volatility, improve portfolio stability, and support disciplined investing through proper asset allocation and behavioral risk management.

Session Highlights:

• • Bonds reduce portfolio drawdowns, improve risk-adjusted returns, and provide predictable cash flows.

• • Asset allocation and structured frameworks are more important than chasing returns for sustainable wealth creation.

• • Fixed-income instruments help stabilise portfolios during market cycles and support long-term compounding.

Key Takeaways :

• o While equity drives long-term growth, debt provides the stability that sustains it. True wealth creation is not just about returns but also about protecting capital through market cycles.

• o Accordingly, fixed income must be positioned as a foundational allocation within portfolios rather than being viewed solely as a source of yield.

Recording of Webinar Link

2. SIPs and Smart Allocation: Crafting Your Wealth Blueprint

Speaker: Jitendra PS Solanki, RIA, CFP, Estate Planner

Context: Aimed at building understanding among investors about the benefits of SIPs and how investors should create a blueprint for their investment journey.

Session Highlights:

• • The strategy for creating a blueprint for making investment decisions.

• • The benefits of regular investing and how it helps in creating wealth.

• • The four-step process of aligning goals with SIPs.

The views expressed in Edubytes are those of the speaker(s) and do not represent the views of NISM. This initiative is part of investor education and should not be considered financial or investment advice.

Key Takeaways:

• o Investors must consider regular investing through SIPs.

• o Mutual funds are the most viable option for gaining exposure to equities.

• o As income grows, investors should increase their SIP contributions through the step-up feature.

• o Asset allocation is the right approach; align your investments with your financial goals.

Recording of Webinar Link

3. Equity Investing, The Path to Create Lasting Wealth

Speaker: Yogin Sabnis, CEO, VSK Financial Consultancy Services Pvt. Ltd.

Session Highlights:

• • The importance of inculcating the habit of saving and investing these savings in equity in a disciplined manner.

• • The difference between investing in stocks and equity mutual funds, and how equity mutual funds are a better choice.

Key Takeaways:

• o Equity investing is the best way to create long-term, sustainable wealth.

• o Equity mutual funds provide the best option for creating a diversified and risk-optimized portfolio.

Recording of Webinar Link

4. Safeguard & Scale: The Indian Investor’s Long-Term Playbook

Speaker: Jitendra PS Solanki, RIA, CFP, Estate Planner

Context: Aimed at building understanding among investors on how to safeguard their existing wealth, grow their wealth systematically, and transfer wealth efficiently.

Session Highlights:

• • The concepts of a Will, Trust, and Nomination.

• • To create a margin of safety in personal finance.

• • To protect oneself through emergency funds and insurance before making investment decisions.

Key Takeaways:

• o Investors should align their investments with their goals.

• o Consider beating inflation and maintaining tax efficiency while making investment decisions. Use SIPs in equities to create wealth systematically.

• o Create a will and align your nominations with it.

• o Use SIPs in equities to create wealth systematically.

Recording of Webinar Link

5. Bonds Basic Principles of Financial Planning

Speaker: Shariq Nisar, Principal, Rizvi Institute of Management Studies and Research

Session Highlights:

• • Participants learned about the 50/30/20 rule, which states that 50% of income should be allocated to needs, 30% to wants, and 20% to savings and investments. They also learned the importance of tracking expenses and categorizing them effectively.

• • Participants learned about the importance of the savings ratio as a key financial parameter for managing personal finances.

• • Through practical case studies, participants learned how goal-based investing can be achieved in real-life scenarios, particularly in the context of Indian spending patterns.

Key Takeaways:

• o Financial planning helps individuals gain clarity, direction, and financial security.

• o Budgeting helps individuals develop discipline and gain better control over their finances.

• o A savings ratio helps individuals achieve financial stability.

• o Compounding helps individuals gain exponentially through early investment.

Recording of Webinar Link[in Urdu]

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