Why Ignoring Insurance Is A Big Financial Mistake In many households in India, insurance is still considered an unnecessary expense, something that is put on the “see later” list. However, as a financial advisor who has witnessed real families torn apart by medical emergencies and income shocks, I can say with full confidence: ignoring insurance … Read more
Expense Ratio Meaning And Impact On Returns When an investor starts investing in mutual funds, their focus is usually on returns, NAV, or the ranking of the fund. However, there’s one factor that quietly affects your wealth every year, and that’s the Expense Ratio, Meaning and Impact on Returns. At HMA Wealth, we believe … Read more
What Does Liquidity Mean in Finance? Liquidity in finance refers to the ease and speed with which an asset can be converted into cash without losing its value. The cash you have in everyday life is completely liquid, while assets like a house or land are considered illiquid. At HMA Wealth, we call liquidity financial … Read more
Gold Loan Pros and Cons: Is It Right for You? In many households in India, gold is not just jewelry – it is a symbol of security, trust, and emotional wealth accumulated over generations. When a sudden need for money arises or an urgent opportunity presents itself, this gold becomes an instant source of financial … Read more
Monthly Market Review December 2025: How Did Indian Markets Close the Year? The December 2025 Monthly Market Review has been a month of rapid stability for the Indian stock market. Despite global uncertainties in the last part of the year, selling by foreign investors, and limited volumes, Indian markets ended 2025 on a positive note. … Read more