Key Takeaways1 May 1-15, 2026

1. Why Investing Feels So Difficult (Even When You Do It Right)
Speaker: Harsh Roongta, Chartered Accountant, Personal Finance Expert

Context: To help investors understand why investing can feel emotionally difficult, even when the investment approach is correct. The objective is to explain the relationship between risk, return, inflation, and time, and why short-term market movements should not be confused with long-term investment outcomes.

Session Highlights:

• • Higher returns usually come with higher risk and that “safe” investments may not always protect purchasing power after inflation and taxes.

• • Why looking at a specific start date and end date can give a misleading picture of investment performance.

• • Introduced rolling returns as a better way to understand how investments perform across different time periods.

Key Takeaways :

• • Investors should not judge an investment solely by its short-term or point-to-point returns.

• • Low-risk products may protect capital, but they do not always protect against inflation over the long term.

• • Equity investing can be uncomfortable in the short term, but longer holding periods increase the likelihood of better outcomes.

Recording of Webinar Link

2. The Simple Idea That Makes Investing Easier – Diversification

Speaker: Harsh Roongta, Chartered Accountant, Personal Finance Expert

Context: This session explained how diversification can make the investment journey smoother. It demonstrated that combining different asset classes can reduce the discomfort associated with investing without significantly compromising long-term returns.

Session Highlights:

• • Different asset classes perform differently over time.

• • A combination of investments can be more stable than investing in a single asset class.

• • Demonstrated that, over 10-year periods, a sample diversified portfolio delivered stable outcomes, with minimum returns remaining in double digits and average returns comparable to those of the stock market.

Key Takeaways:

• • Investors should not judge an investment solely by its short-term or point-to-point returns.

• • Low-risk products may protect capital, but they do not always protect against inflation over the long term.

• • Equity investing can be uncomfortable in the short term, but longer holding periods increase the likelihood of better outcomes.

Recording of Webinar Link

3. Basic Principles of Financial Planning

Speaker: C.K.Arivazhagan, SEBI SMART

Context: The objective of the session was to empower investors, especially youth who aspire to start their careers, to live their dream lives and achieve financial freedom.

Session Highlights:

• • Self-analyse one’s financial flow status.

• • Learn the difference between income, spending, and savings.

• • Become aware of the steps involved in financial planning.

Key Takeaways:

• • Get equipped with the skills required to make SMART financial decisions, leading towards financial independence.

• • Develop the habit of saving by treating savings as the first expense when earning an income.

• • Understand the benefits of budgeting, enabling savings to be invested in the right products to gain profits through long-term investing and compounding.

Recording of Webinar Link[in Kannada]

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