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A Registered Investment Advisor (RIA) in India is an individual or firm registered with SEBI under the Investment Advisers Regulations, 2013, authorised to provide personalised investment advice for a fee – not commissions. Unlike a mutual fund distributor who earns from product sales, an RIA is legally bound by fiduciary duty to act in the […]
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It usually starts with a simple notification. A company you own announces a “demerger,” and suddenly, your portfolio shows unfamiliar names or additional shares. For many investors, a stock demerger creates more confusion than clarity. You might wonder whether this is a good sign, a risk, or just a technical change that does not matter […]
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Can account aggregator access my money? (No, here’s why)
Many people feel uneasy when they hear the words “financial data sharing.” When Account Aggregators entered the picture, one question started coming up again and again. If an app can see my bank and investment details, can it also access my money? This fear is understandable. Money, privacy, and digital systems rarely inspire instant trust. […]
