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
Face Value Vs Market Value: Whats The Difference? For new investors in India, the stock market can seem overwhelming due to its complex terminology. The most confusing topic is Face Value vs Market Value. At HMA Wealth, we see that many early investors get scared or make wrong decisions just because they don’t understand the … Read more
Mutual Funds For Beginners: How To Choose? For those starting to invest for the first time in India, the world of mutual funds often seems like a crowded railway platform with advice, unknown names, and pressure to make quick decisions. However, amidst this noise, there is an investment medium that reveals the simplest and most … Read more
How Can You Take Control of Your Money Without Stress? Money often slips out of our hands quietly, not because we earn less, but because we don’t channel our earnings. For those starting their financial journey in India, budgeting often seems difficult or restrictive. The reality is that Budgeting For Beginners is not about cutting … Read more
How to Start Investing When You Are a Complete Beginner? Starting out to invest is like standing on the edge of a vast ocean full of enthusiasm, power, and a little intimidation. Many beginners believe that investing is only for experts or rich people. The truth is that investing is a disciplined habit in which … Read more
Investing is the most powerful way to build wealth in the long term, but the path isn’t always straightforward. In markets around the world, not only beginner investors but also experienced investors make mistakes that gradually reduce their returns. Our experience at HMA Wealth says that most people fail not because of the market, but … Read more
What is Compounding Explained? Compounding is often called the quietest but most powerful principle of long-term wealth-creation. But the real meaning of “what is compounding explained” is understood when we look at it in simple language: it’s the process in which your money earns returns, and those same returns start generating new returns over time. … Read more
What Is CAGR? The world of investment in India is changing rapidly. Whether it’s a stock or a mutual fund there’s one word that comes up again and again: What is CAGR? This metric is the compass that helps the investor understand the speed at which their money has actually grown. HMA Wealth has always … Read more
Financial education is the knowledge that helps you earn, save, invest, and keep money safe. It reduces your mistakes and gives you strength in making better financial decisions.
Always start with the basics of creating a budget, tracking expenses, preparing an emergency fund, and understanding small investments. All these form a strong foundation for financial education.
Financial education for beginners is extremely useful because it prevents common mistakes involving them, increases understanding of money, and guides them in building wealth step-by-step.
Many mistakes like choosing the wrong stock, investing without research, not creating an emergency fund, or not understanding debt management, can be easily prevented through financial education.