How a couple went from drowning in debt to their first emergency fund
A couple came to me two years ago carrying something heavier than debt.
They were completely underwater on personal loans and credit card dues, all high-interest. Their expenses exceeded their income every single month.
Fund Breakdown: Axis Greater China Equity FoF
Axis Greater China Equity Fund of Fund is a fund of fund, meaning it doesn't invest directly in Chinese stocks.
Instead, it invests in the Schroder International Selection Fund Greater China with deep, on-the-ground China expertise.
This fund gives access to three markets - China, Taiwan, Hong Kong and is still trading at a fraction of what US tech commands.
The Finance Director who needed a number, not a dream
A month ago, a 45-year-old woman who works as a Finance Director at an MNC reached out to Finamily.
She came with a question she couldn't answer with the information she had:
"When would be the right time to leave my job?"
FUND BREAKDOWN - ICICI Prudential Technology Fund
India's oldest technology fund and the one that's earned the right to be called battle-tested
| Fund Type | Sectoral Equity (Technology & Technology-adjacent) |
|---|---|
| Key Characteristic | Concentrated sectoral bet; remains fully invested in IT regardless of market conditions or valuations. |
| Inception | March 2000 (Over 26 years of track record across 4 major market cycles) |
| Fund House | ICICI Prudential AMC |
| Fund Manager | Vaibhav Dusad |
| AUM (As of August 2026) | ~₹13,540.47 Cr |
| Expense ratio | 0.89% (Direct) |
From Paralysis to Plan: The Freshworks Story
My client - an employee of Freshworks was almost in tears.
Because his early retirement plan was falling apart.
In 2021, when Freshworks was trading near $50, his net worth on paper was approximately ₹10 crores.
By the time he met me, the stock had crashed to $7
Opportunistic Alert - FUND BREAKDOWN - HSBC Global Investment Fund - Brazil Equity
| Fund Name | HSBC Global Investment Fund - Brazil Equity |
|---|---|
| AMC | HSBC Asset Management, Hongkong |
| Launched | May 2002 |
| Benchmark | MSCI Brazil 10/40 Total Index Return |
| AUM | ₹365.29 cr |
| Expense ratio (Direct) | 0.92 |
| Fund Managers | Aravind Ramakrishnan Michael Wang |
| Nav per share | ₹11.14 |
Brazil stocks are beaten down. Elections in October could change that fast.
A 42-year-old client got ₹1 crore from selling his parents' house. And his plan was straightforward: reinvest the proceeds into another property.
Here's what we suggested instead
FUND BREAKDOWN: Parag Parikh Flexi Cap Fund
Here is what makes this fund unusual: it invests 25-35% in international equities, primarily high-quality US-listed global businesses. One fund, two markets in a single portfolio.
| Scheme name | Parag Parikh Flexi Cap Fund (formerly Parag Parikh Long Term Equity Fund) |
|---|---|
| AMC | PPFAS Asset Management Pvt. Ltd. |
| Launched | 24 May 2013 |
| Benchmark | Nifty 500 TRI |
| AUM | ~₹1.4 lakh crore (as of July 31, 2026) - India's largest actively managed equity scheme |
| Expense ratio (Direct) | 0.68 |
Are you investing for yourself or your shared future?
We're building a life together. We should understand our money together. This is what one of my client Karthik said when discussing about his and his spouse Meera. Here's how we built a financial plan based on mutual goals and current situation.
You own 11 mutual funds. You own 4 stocks
My client had been paying three sets of expense ratios, tracking eleven funds on his app, reading three fund manager commentaries every quarter, for a portfolio that was functionally much simpler and much less diversified than he believed.
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