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(NISM)

The National Institute of Securities Markets (NISM) is a public trust established in 2006 by the Securities and Exchange Board of India (SEBI), the regulator of the securities markets in India. The institute carries out a wide range of capacity building activities at various levels aimed at enhancing the quality standards in securities markets.

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Key Takeaways

Context:

Sessions were undertaken to highlight that investing is only one part of financial well-being. Longterm wealth creation depends on strong financial planning, disciplined behavior, life-stage-based decisions, and sound credit management.

Session Highlights:

 

  • A portfolio should be supported by a strong financial foundation, including clear goals, an emergency fund, insurance, and regular reviews.
  • Financial plans must evolve with major life events such as marriage, buying a home, having children, or changes in income.
  • Investor behaviour—such as fear, greed, and recency bias—often has a greater impact on outcomes than fund selection, making disciplined systems essential.
  • A healthy credit profile is an important part of overall financial stability and future borrowing capacity.
Key Takeaways
  • Build a strong financial foundation before focusing on investments.
  • Stay invested for the long term rather than trying to time the market.
  • Review and update your financial plan at every major life stage.
  • Use disciplined investing systems to reduce emotional decision-making.
  • Maintain a healthy credit profile through timely payments and responsible credit usage.
  • Sustainable wealth is created through an integrated financial structure that combines planning,
    investing, behavior, and credit management.
Recording of Webinar Link

Context:

This session aimed to create awareness among individuals about the essential steps to achieving financial security through effective planning, disciplined investing, and prudent financial decision-making.

Session Highlights:

 

  • Explained the importance of creating an emergency fund, purchasing adequate health and term insurance.
  • Discussed the significance of balancing portfolios across different asset classes, including equity, fixed income, cash and gold, while emphasizing retirement planning and financial goal setting.
  • Highlighted the impact of emotions on investment decisions and encouraged investors to stay disciplined and invest in simple, low-cost products such as ETFs and mutual funds.
Key Takeaways
  • Build an emergency fund.
  • Purchase adequate health and term life insurance.
  • Start investing early to benefit from the power of compounding.
  • Create a clear financial plan and set achievable financial goals.
  • Maintain a balanced portfolio by diversifying across different asset classes.
  • Invest in low-cost financial products such as ETFs, mutual funds, and fixed deposits.
  • Stay invested through market fluctuations and do not let emotions influence your financial decisions.
Recording of Webinar Link

Context:

This session aimed to help investors understand recency bias in fund selection and to encourage them to evaluate mutual funds based on their investment process and long-term consistency rather than short-term returns.

Session Highlights:

 

  • Explained how recency bias leads investors to treat the previous year’s top-performing fund in a category as a predictor of future performance, when it is merely a snapshot of a single market cycle.
  • Explained the behavioural biases—such as the availability heuristic, the hot-hand fallacy, herding behavior, and media influence—that drive investors to chase past returns.
  • Introduced the IARI framework (Identify, Allocate, Review, Iterate) and the concept of rolling returns as practical tools for evaluating mutual funds based on their investment process and long-term consistency rather than a single year’s performance.
Key Takeaways
  • Consistency, a sound investment philosophy, and risk-adjusted returns are more important than a single
    year of exceptional performance.
  • Following a structured and repeatable framework, such as IARI, helps investors avoid the pitfalls of
    recency bias and make more informed investment decisions.
Recording of Webinar Link

Watch more investor education webinars:

Webinar Date Webinar Topic and Speaker Webinar Link
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31th July 2026
Investing Smart: Risk and Return in Mutual Funds [In Bengali]

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