planning discipline.<\/a><\/p>\nSameer Mathur, MD and Founder of Roinet Solution, a Gurugram-based, rural-focused ‘phygital’ fintech company, noted that investors still struggle with risk calibration, often oscillating between excessive caution and aggressive return chasing. He said lack of consistency and weak diversification continue to undermine long-term outcomes.<\/p>\n
Rhishabh Garg, CEO of FundsIndia Digital, said that while investors are aware of concepts like asset allocation, execution gaps remain wide.<\/p>\n
He pointed out that behavioural biases such as recency bias and overreaction to volatility continue to shape investment decisions, especially during market corrections.<\/p>\n
Advisors shifting from execution to guidance<\/p>\n
With digital platforms taking over execution, the role of wealth advisors is undergoing a clear transformation toward advisory-led models.<\/p>\n
Virk said advisors are focusing on behavioural coaching, tax efficiency, and long-term financial planning rather than product distribution alone.<\/p>\n
Garg added that while execution has been commoditised, advisors remain critical in helping investors stay disciplined during volatility.<\/p>\n
\u201cTechnology can execute transactions, but it cannot prevent emotional exits during downturns,\u201d he noted.<\/p>\n
Aditya Agrawal said advisors are evolving into holistic planners focused on asset allocation, tax optimisation, and personalised financial strategies rather than transactional roles.<\/p>\n
\u201cFrom saving money to creating wealth\u201d<\/p>\n
Providing a longer-term perspective, S Ravi, Former Chairman of BSE and Founder of Ravi Rajan and Company, a boutique Chartered Accountancy firm, said Indian investors are undergoing a fundamental mindset shift.<\/p>\n
\u201cOver the years, I have seen Indian investors move from a mindset of merely \u2018saving money\u2019 to consciously \u2018creating wealth\u2019,\u201d he said.<\/p>\n
He noted that earlier financial security was associated primarily with fixed deposits, gold, and real estate, but today investors are increasingly exploring mutual funds, equities, REITs, and other market-linked instruments due to improved digital access and financial awareness.<\/p>\n
However, he cautioned that many retail investors still approach markets with a short-term lens, often influenced by social media trends, market noise, or fear of missing out rather than disciplined asset allocation.<\/p>\n
\u201cIn rural India especially, the challenge is not intent but access to reliable financial guidance. Financial literacy must move beyond urban centres and become part of grassroots economic development,\u201d he said.<\/p>\n
Ravi also emphasised the evolving role of advisors in this environment. He said technology has democratised investing but increased the need for credible, human-led advice.<\/p>\n
ALSO READ | Study shows financial skills, not just credit, key to scaling women-led businesses<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"India\u2019s wealth management landscape is steadily moving from a savings-led mindset to a more structured, goal-oriented approach to…\n","protected":false},"author":2,"featured_media":446517,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[194195,194192,72,194193,176,194191,61,194189,194190,60,61505,174,175,194194],"class_list":["post-446516","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-asset-allocation-strategies","tag-behavioural-finance-gaps","tag-business","tag-digital-investment-platforms","tag-finance","tag-goal-based-investing","tag-ie","tag-india-wealth-management","tag-indian-retail-investors","tag-ireland","tag-mutual-funds-india","tag-personal-finance","tag-personalfinance","tag-role-of-financial-advisors"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/446516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=446516"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/446516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/446517"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=446516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=446516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=446516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}