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Videos

Learn & explore ideas - both financial and lifestyle-related

Goal-Based Investing

Will You Quit Your Job to Follow Your Passion? Here's What it Takes.

There are many people who have a job but wish for a career that was in something else. This also happens because discovering one's passion and purpose in life is not always easy. But even for the ones who do know, going from knowing to actually making it happen is a whole other thing. 

Here's Navneeth Krishna, who went from working at Google to becoming a sports broadcaster and RCB 12th man. But it took a lot of planning and discipline to do it. Here's our Co-founder & CMO, Santosh's freewheeling, fun conversation with Navneeth on all things passion.
Financial Planning

Financial Freedom is Not About Money. Here's Why.

Is it a joke? Is it clickbait? Well, here's the thing. We're not suggesting money isn't important, that would be just silly. Every little to big to the very big thing in life costs money. And we're not denying it. But there is a fundamental principle about the value of money that one needs to understand before he or she can get their personal finances in order, and indeed, before trying to plan for achieving financial independence or financial freedom.
Investment Planning

Investing is Designed by Men for Men. Here is Why and How to Fix It.

The world around us is rapidly changing, especially when it comes to the equality of the roles that men and women play in society and households. And this change is reflected in many aspects of life. In some places, however, like investing and financial planning, the general discourse is not entirely adapted for this new reality.

Investment planning as an idea is still seen through the traditional lens, which in turn means that a lot of women-specific scenarios don't feature in it. But investment planning when done right can be a great tool to personalize for each individual lifestyle be it a woman or a man.

At Elever, we believe to effectively do this, we have to travel beyond the mindset of SIP and practice SLP - i.e. Systematic Lifestyle Planning. An investment philosophy that is based on structuring every single aspect of the plan by connecting an individual's present personal finance reality with future life and lifestyle goals to achieve true financial independence.

Investment Planning

How to Select the Right Investment Product (2022) - Part 3

In this 3-part series, we explore ways that will help us identify the right approach to selecting an investment product.

In part 3, we dive deep into real-world data. We use our very own Elever portfolio's back-tested data to analyze two important things. One is the rule-based logic that gives rise to our portfolio. We will see how back-testing when done right can be truly unbiased. And then we see how it can be used to make the ideal comparison between a brand new product versus an already existing product with available historical data.

Investment Planning

How to Select the Right Investment Product (2022) - Part 2

In this 3-part series, we explore ways that will help us identify the right approach to selecting an investment product.

In Part 2, we look at the concept of Back-testing. A scientific and unbiased technique, which allows a proper comparison between an already existing product with a historical record, and a brand new one. When done right, back-testing can provide a far more accurate analysis of a product's true potential than historical performance indicators. Find out how.

Investment Planning

How to Select the Right Investment Product (2022) - Part 1

In this 3-part series, we explore ways that will help us identify the right approach to selecting an investment product.

In the first part, we look at the limitations involved in the most commonly used technique for the task. And that is to go by any product's past performance. However, is that the best possible way to judge if a product is right for you? The answer is, no. That's because there is a better, more scientific, and reliable method to evaluate it.

Goal-Based Investing

Why Making Money is Not the Same as Building Wealth

Does increasing income signify becoming wealthy? The answer seems to be a definite NO. That is because there are many more factors that come into play, which determine whether or not one is building assets worthy of being termed wealthy. Learning concepts such as Net worth and Ideal Net worth are crucial in understanding the true nature of building personal wealth. Find out all this and more and get started on the journey to creating true wealth.
Investment Planning

Active vs Passive Investing: The Global Perspective

In the final part of the Active vs Passive investing series, we look at the global trends for the two approaches. A data-based analysis from matured markets across the world - be it the US, UK, Europe, etc. throws up some interesting inferences. Is India likely to follow a similar path as it also continues to mature? Let's find out.
Investment Planning

How to Setup a Passive Investment

In part 3, we get into the details of setting up a passive investment strategy. Most importantly, we discuss how to personalize an investment strategy that will help map your present with your desired future. We do a step-by-step breakdown of the exact process to be followed by which one can create a low-cost, diversified, low-risk portfolio to achieve their important lifestyle goals.
Investment Planning

Which Investing Style is Best for You - Active or Passive?

In part 2 of the Active Vs Passive series, we dig deep into the data. The idea is to go beyond investing philosophies and look at what case emerges from hard data. For this, we look at the most comparable from both schools - large-cap active funds & the overall Nifty 50 index. Moreover, we also try and understand the overall experience of investing. 1. The ease of experience in selecting the right investment instrument for both approaches 2. The performance of the selected instruments over different time periods. The results are a lot more fascinating than you expect.
Investment Planning

What’s your investing style – Active or Passive?

Not many people realize but there are fundamentally 2 different kinds of investing styles - Active and Passive. Moreover, the word 'Passive' is misleading, giving an impression as it does that it is similar to FD or putting money in a locker. Nothing could be far from the truth. This video, part-1 in the Active Vs Passive investing series, explores the true meaning of what both the styles are all about and in what scenario might either make sense.
Financial Planning

Why investing in SIP is not enough?

Why do we invest? Of course, to grow our money? However, money by itself means nothing. Its true value comes from the lifestyle it affords us to have - be it in the form of a house, or a car, or a vacation, or planning a child's education, or even retiring early. These are our financial goals. So, the right way to go about investing is to follow an end-to-end financial system, that takes into account personal finance, goal-based investing, and investment planning to improve not just returns but to achieve a better lifestyle.
Goal-Based Investing

3 Mistakes to Avoid while Creating an Emergency Fund

The importance of something like an Emergency Fund can't be overstressed, especially in today's day and age. However, creating an Emergency Fund is a tricky thing. This is because most people have certain misconceptions regarding it, which turn into mistakes when creating an emergency fund. Moreover, even when you do understand the right way to look at an Emergency fund, it is important to also create in the right way, and finally to validate and adjust it on a regular basis. Find out all of this, tips, and more in this timely educational piece on the Emergency Fund.