{"id":1142,"date":"2017-09-05T11:36:15","date_gmt":"2017-09-05T11:36:15","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1142"},"modified":"2019-07-11T16:33:46","modified_gmt":"2019-07-11T16:33:46","slug":"amarnath-happy-kuverian","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/","title":{"rendered":"Amarnath: Happy Kuverian"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69f04f4dd59cb\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69f04f4dd59cb\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#Please_tell_us_about_yourself_where_did_you_grow_up_and_your_story\" title=\"Please tell us about yourself, where did you grow up and your story?\">Please tell us about yourself, where did you grow up and your story?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#What_is_your_approach_to_financial_planning\" title=\"What is your approach to financial planning?\">What is your approach to financial planning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#How_did_you_learn_about_Kuvera\" title=\"How did you learn about Kuvera?\">How did you learn about Kuvera?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#How_were_you_investing_in_Mutual_Funds_before_Did_you_know_about_Direct_Plans_before_Kuvera\" title=\"How were you investing in Mutual Funds before? Did you know about Direct Plans before Kuvera?\">How were you investing in Mutual Funds before? Did you know about Direct Plans before Kuvera?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#Why_do_you_invest_and_why_Mutual_Funds\" title=\"Why do you invest and why Mutual Funds?\">Why do you invest and why Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#What_were_the_biggest_problems_that_you_have_faced_with_investing_and_financial_planning_in_India\" title=\"What were the biggest problems that you have faced with investing and financial planning in India?\">What were the biggest problems that you have faced with investing and financial planning in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#Can_you_describe_your_experience_with_Kuvera\" title=\"Can you describe your experience with Kuvera?\">Can you describe your experience with Kuvera?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#What_goals_have_you_planned_for\" title=\"What goals have you planned for?\">What goals have you planned for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#How_did_you_choose_which_schemes_to_invest_in\" title=\"How did you choose which schemes to invest in?\">How did you choose which schemes to invest in?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/#Will_you_recommend_Kuvera_to_your_friends_and_colleagues\" title=\"Will you recommend Kuvera to your friends and colleagues?\">Will you recommend Kuvera to your friends and colleagues?<\/a><\/li><\/ul><\/nav><\/div>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1164 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/08\/AR-Portrait-214x300.jpg\" alt=\"\" width=\"214\" height=\"300\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/08\/AR-Portrait-214x300.jpg 214w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/08\/AR-Portrait.jpg 300w\" sizes=\"(max-width: 214px) 100vw, 214px\" \/>Amarnath is a Happy Kuverian. He works for a Dubai based brokerage and has extensive experience in commodities and currency trading. We spoke to Amarnath about his approach to financial planning and why he invests in Mutual Funds.<\/p>\n<p><em>Emphasis and links are ours.<\/em><\/p>\n<h5><span class=\"ez-toc-section\" id=\"Please_tell_us_about_yourself_where_did_you_grow_up_and_your_story\"><\/span>Please tell us about yourself, where did you grow up and your story?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>I grew up in Ranchi, a small town in Eastern India. After completion of schooling in India, I did my Engineering and Management and have gone on to work in various organizations for over 15 years now. I am currently based in Dubai with a financial brokerage firm.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_is_your_approach_to_financial_planning\"><\/span>What is your approach to financial planning?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>To be honest, I started financial planning a little late. I follow a quarterly approach, where I fix certain targets to save and invest. I use the quarterly review to also re-balance my portfolio and make changes as per my views of market outlook. Lastly, I make a conscious effort to not let the daily market chatter, that I am privy to as part of a brokerage, affect my long term investments.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"How_did_you_learn_about_Kuvera\"><\/span>How did you learn about Kuvera?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>I am bullish on the long term prospects of the Indian equity markets and wanted a Direct Plan platform for my Mutual Fund investments. Kuvera fit the bill perfectly. As a consumer, commission free investing is a concept I can get behind easily.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"How_were_you_investing_in_Mutual_Funds_before_Did_you_know_about_Direct_Plans_before_Kuvera\"><\/span>How were you investing in Mutual Funds before? Did you know about Direct Plans before Kuvera?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>I have been investing in Mutual funds off and on for quite some time primarily through the banking channel and fund houses. I was aware of Direct Plans but never really realized the quantum of difference that it could make. Also as an NRI the process to moving from regular to Direct was harder before Kuvera came along.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Why_do_you_invest_and_why_Mutual_Funds\"><\/span>Why do you invest and why Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Being from the financial services field, I am aware of the various asset classes for investment. However, professionally, I work more on commodities and currencies and do not really follow equities that well. Mutual Funds make a lot of sense, since I do not really have the time nor the knowledge to assess the equity market on a regular basis. Hence it is best to leave it to the experts for it. I try and focus more on index based funds that give me broad based risk exposure at the lowest cost.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_were_the_biggest_problems_that_you_have_faced_with_investing_and_financial_planning_in_India\"><\/span>What were the biggest problems that you have faced with investing and financial planning in India?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Being based outside India, it is hard to follow the Indian market very regularly. The information flow is not as efficient as I would want it to be. Further statutory regulations pose some issues if there isn&#8217;t proper understanding of the same. Finally having dealt with a few external financial planners , I have realized that they are more inclined to suggest products wherein their commission structure is high. The clients interests are not their primary concern since they are looking at maximizing their profits.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Can_you_describe_your_experience_with_Kuvera\"><\/span>Can you describe your experience with Kuvera?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>The team at Kuvera has been very helpful right from the start in terms of setting up the account, getting the required documents , planning and execution. I get regular updates from them and they are just a call \/ mail away from answering any queries however simple they may be.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_goals_have_you_planned_for\"><\/span>What <a href=\"https:\/\/blog.kuvera.in\/category\/goal-based-planning\/\" target=\"_blank\" rel=\"noopener noreferrer\">goals <\/a>have you planned for?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Primary Goals include higher education for my son, retirement plans,<\/p>\n<h5><span class=\"ez-toc-section\" id=\"How_did_you_choose_which_schemes_to_invest_in\"><\/span>How did you choose which schemes to invest in?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>I am a strong believer in the whole economy and hence like to invest in index products which take all stock and industries in consideration. Depending on my risk appetite and the market conditions, I would decide on large cap, mid cap or small cap companies. Then wherever possible I invest in index Mutual Funds capturing these characteristic, else I look at well diversified funds with longer histories.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Will_you_recommend_Kuvera_to_your_friends_and_colleagues\"><\/span>Will you recommend Kuvera to your friends and colleagues?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Absolutely. They have been very helpful and transparent in the dealings with me.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amarnath is a Happy Kuverian. He works for a Dubai based brokerage and has extensive experience in commodities and currency trading. We spoke to Amarnath about his approach to financial planning and why he invests in Mutual Funds. Emphasis and links are ours. Please tell us about yourself, where did you grow up and your [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/amarnath-happy-kuverian\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[104],"tags":[92,89,43,19],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Amarnath: Happy Kuverian - Kuvera<\/title>\n<meta name=\"description\" content=\"Amarnath is a Happy Kuverian. 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A graduate of IITD and Chicago Booth, he managed a long-short equity strategy for Morgan Stanley before starting Kuvera.","url":"https:\/\/kuvera.in\/blog\/author\/rustyhk123\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1142"}],"collection":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/comments?post=1142"}],"version-history":[{"count":12,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1142\/revisions"}],"predecessor-version":[{"id":1166,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1142\/revisions\/1166"}],"wp:attachment":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media?parent=1142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/categories?post=1142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/tags?post=1142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}