A household replaced four endowment policies with a ₹1 crore term plan, closed a 12% overdraft and kept its SIP running. 1 Finance estimates these three changes added 2.22 percentage points a year to the family’s net-worth growth, after fees. None of it came from picking a better investment.
Jeet Marwadi, MD & Founder, 1 Finance, used the example to open the fourth Global Financial Planners Summit, India’s largest summit for financial planners, held in Mumbai on 13 October 2026. “We focus on alpha, which is least in our control,” he said. Through the day, the speakers kept coming back to the same idea. The decisions that shape a family’s finances often have little to do with returns.
Watch the full conversation here:
How do you measure a mistake that never happened?
The Value of Advisory panel, moderated by Jeet Marwadi, brought together Amit Kukreja, Chairperson, ARIA; Dhirendra Kumar, Founder and Chief Executive, Value Research; G. Ram Mohan Rao, Executive Director, SEBI; and Harsh Roongta, Founder, Fee Only Investment Advisers LLP.
Their case was that advice should be judged on more than returns, because its biggest wins are the costly decisions that never happen. Harsh Roongta described advisors as “the people who stand between a client and their biggest mistake.”
Watch the full conversation here:
What the next ten years may bring
The Decade Ahead, moderated by Sonal Bhutra, Assistant Editor & Markets Anchor, CNBC-TV18, featured Maninder Cheema, Executive Director, SEBI; Saugata Chatterjee, President and Deputy CEO, Nippon India Mutual Fund; Dr. Soumya Kanti Ghosh, Group Chief Economic Advisor, State Bank of India; and Utpal Sheth, Founder and Mentor, TRUST Group.
The panel covered corporate bonds, REITs and InvITs, the spread of SIPs across Bharat and manufacturing-led growth. Utpal Sheth brought it back to the individual. “Today, the more important question is, how relevant is that young investor’s income stream?”
Watch the full conversation here:
Making retirement money last
“Grow rich before you grow old,” said S. Ramann, Chairman, PFRDA, in The Retirement Mandate, a fireside conversation with Keval Bhanushali, CEO & Co-Founder, 1 Finance. Building a corpus gets most of the attention, but that money may need to last 25 years after work stops.
Watch the full conversation here:
Money mistake, or money want?
As a part of exploring Money & Behaviour, Professor Meir Statman of Santa Clara University, one of the founders of behavioural finance, argued that much of what looks like a money mistake is really a want. If people keep a habit after seeing its cost, it usually serves something they value, such as the excitement of trading or the security of gold.
Watch the full conversation here:
When wealth becomes a family dispute
The Will and Estate Planning panel, moderated by Sonal Bhutra, brought together Bijal Ajinkya, Partner, Khaitan & Co.; Dr. Deepak Jain, Director, AAFM India & Nexgen; and Sadia Khan, Partner, Shardul Amarchand Mangaldas & Co.
Bijal Ajinkya explained why a will has to be drafted clearly. It “is one of the most difficult documents to prove in court, for the simple reason that when you have to prove intention, the person is no longer alive.” Sadia Khan spoke about what a succession dispute really costs. “A family that was close turns into adversaries.”
Watch the full conversation here:
The other side of the balance sheet
The Borrowing and Debt panel, moderated by Mugdha Kalra, Senior Anchor, CNBC-TV18, featured Bharat Lamba, President, DSP Finance; Devyani Parameshwar, Founder and CEO, Mera Kal; Mohan Parsuramka, COO, 1 Finance; and Sachin Seth, Regional MD, India and South Asia, CRIF India.
Mohan Parsuramka described a family with ₹5 crore in assets and ₹4 crore in debt. The investments look large until you see the liabilities. “Borrowing is a bridge, not a lifestyle,” said Bharat Lamba.
Watch the full conversation here:
The complete picture
A family’s investments, debts, retirement and plans for the next generation are all connected. A Qualified Financial Advisor can help bring them together into one plan.
NOTE TO READERS
Disclaimer: This is an advertorial published as part of a marketing initiative. This has no editorial input or editorial involvement by CNBC-TV18 or its affiliates. No CNBC-TV18 journalist was involved in writing, researching or editing this article.