PI Delta Perspectives
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Real talk on money. No jargon, no filler — just the clarity serious investors need.
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Jun 21, 2026 · Prakhar Soni
XIRR vs CAGR: Which Mutual Fund Return Actually Matters
XIRR and CAGR measure mutual fund returns differently, and using the wrong one can make a mediocre fund look impressive.
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Jun 21, 2026 · Prakhar Soni
ARN Code in Mutual Funds: How to Verify Your Distributor
Every mutual fund distributor in India carries a number that proves they're authorised to sell you a scheme.
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Jun 15, 2026 · Prakhar Soni
Direct US Investing vs Indian FoFs After Costs: Which Wins?
We compare direct US stock and ETF investing via LRS against Indian Fund of Funds to find the post-cost winner.
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Jun 4, 2026 · Prakhar Soni
Bank RM vs SEBI RIA in Meerut: who should you trust?
Bank RMs earn from the products they sell; SEBI RIAs owe you a fiduciary duty. Here's how to tell who's actually advising you.
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May 14, 2026 · Prakhar Soni
Why a SEBI RIA Agreement Is Non-Negotiable
A SEBI-registered advisor cannot legally advise you without a written agreement. Here's why that matters more than past returns or recommendations.
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May 14, 2026 · Prakhar Soni
Before You Sign a SEBI RIA Agreement: A Simple Checklist and 9 Red Flags
Most investors skim their advisor's agreement and sign. This 5-minute checklist shows you what to confirm, what to question, and when to walk away.
Read ArticleMay 14, 2026 · Prakhar Soni
SEBI's 15 Mandatory Clauses for RIA Agreements Explained Simply
Since 2025, every SEBI-registered advisor must include 15 'Most Important Terms and Conditions' in your agreement. Here's what each one actually means.
Read ArticleMay 12, 2026 · Prakhar Soni
7 Red Flags Your Financial Advisor Isn't Actually SEBI Registered
Anyone can call themselves a wealth coach in India with zero accountability. Here are 7 specific signs your advisor is operating without SEBI registration.
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May 12, 2026 · Prakhar Soni
What Is a SEBI Accredited Investor and Should You Become One?
SEBI's accredited investor status unlocks access to exclusive investment opportunities and removes fee caps with your advisor. Here's exactly who qualifies and how to get certified.
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May 4, 2026 · Prakhar Soni
Financial planning for Meerut export business owners
Cash flow, currency risk, and personal wealth planning for Meerut's sports goods manufacturers and export MSME owners.
Read ArticleApr 24, 2026 · Prakhar Soni
How to Verify a SEBI RIA Registration (Step-by-Step)
Before engaging any financial adviser in India, verifying their SEBI registration takes under two minutes and can protect you from unregistered operators. Here is the exact process.
Read ArticleApr 22, 2026 · Prakhar Soni
Fee-Based Investment Advisory in Gurgaon, Noida, and Delhi: A Guide
Fee-based investment advisory — where you pay the adviser directly rather than through hidden product commissions — is growing in Delhi NCR. Here is what it means, how it works, and whether it is right for you.
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Apr 20, 2026 · Prakhar Soni
Retirement Planning for Salaried Professionals in Delhi NCR
Delhi NCR's salaried professionals face a specific retirement planning challenge: high incomes and high costs, leaving little systematic savings despite strong earning capacity. Here is a structured framework for retirement planning in the NCR context.
Read ArticleApr 17, 2026 · Prakhar Soni
Finding a SEBI Registered Investment Adviser in Meerut: What to Look For
Meerut's growing professional class — engineers, doctors, business owners, and government employees — increasingly needs structured financial planning. Here is what to look for in a SEBI-registered investment adviser in Meerut.
Read ArticleApr 14, 2026 · Prakhar Soni
How to Choose a SEBI Registered Investment Adviser in Delhi NCR
With hundreds of financial advisors operating across Delhi, Gurgaon, Noida, and Meerut, picking the right one is daunting. Here is a practical framework for evaluating SEBI-registered investment advisers before you commit.
Read ArticleApr 10, 2026 · Prakhar Soni
RIA vs MFD in India: Which Is Right for You?
SEBI recognises two types of investment intermediaries — RIAs (fee-based, fiduciary) and MFDs (commission-based distributors). Understanding the difference helps you choose the right relationship for your financial goals.
Read ArticleApr 4, 2026 · Prakhar Soni
NRI financial planning Meerut: a practical 2026 guide
A practical guide for Meerut-linked NRIs on accounts, inherited property tax, DTAA, and building one investment plan across two countries.
Read ArticleFeb 10, 2026 · Prakhar Soni
Your Money Doubled? Great. Now Tell Me the CAGR
Your property gave 100% returns but the CAGR was 7.2%. Inflation was higher. Here's the number that actually matters.
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Jan 30, 2026 · Prakhar Soni
Your Portfolio's Bouncer: Why an Emergency Fund Isn't Optional
Without an emergency fund, every financial shock — a job loss, a hospital bill, a market crash — walks straight into your portfolio and mugs your investments.
Read ArticleJan 20, 2026 · Prakhar Soni
The First Thing You Should Put Your Money In
Before you pick a mutual fund or start a SIP, there's a more important question — and a more important asset that most investors completely overlook.
Read ArticleJan 10, 2026 · Prakhar Soni
The 6 Pillars of a Complete Financial Plan
Opening a SIP and buying an ELSS before March 31st isn't financial planning — it's product selection.
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