SahajMoney Blog

Articles on financial planning, retirement and investing by Abhishek Kumar, SEBI Registered Investment Adviser and founder of SahajMoney.

Featured

15 August 2021

Is ₹1 Crore Enough for Your Retirement?

A woman at home writing a list of questions on a notepad while her husband reads over her shoulder

Questions to Ask a Financial Planner in India

Twelve questions to ask a financial planner in India before you hire one: the fee in rupees, commissions, who does the work and what the plan includes.

27 October 2026

Choosing an adviserSEBI RIAFee-only

A man at home checking details on his laptop while holding a printed letter

How to Check if an Adviser Is SEBI Registered

How to check an adviser on SEBI's register, with INA100008045 as the worked example, what a valid listing shows, and what registration does not prove.

27 October 2026

SEBI RIAChoosing an adviser

A couple at home comparing a fee statement with a calculator

Are Private Banking Fees Negotiable in India?

Private banking and wealth fees in India: which are negotiable, which are set by rules, SEBI's limits, and how they compare with fee-only advice.

19 October 2026

FeesPrivate bankingFee-only

A woman at home comparing two printed brochures side by side

RIA vs Distributor vs Fee-Based Adviser

How SEBI Registered Investment Advisers, mutual fund distributors and "fee-based" advisers differ: registration, who pays them, and what each can do.

17 October 2026

SEBI RIAMutual fundsChoosing an adviser

A couple at home on a video call, writing down questions for a financial advisor

How to Choose a Financial Advisor in India

How to choose a financial advisor in India: seven checks on SEBI registration, qualifications, fees, conflicts, the agreement and your risk profile.

17 October 2026

SEBI RIAFee-onlyChoosing an adviser

A retired couple reviewing their savings at home

Senior Citizens' Savings Scheme (SCSS) Guide

SCSS explained: who can invest, the ₹30 lakh limit, 8.2% for Oct–Dec 2026, quarterly interest, tax, unlimited 3-year extensions and early exit.

7 October 2026

SCSSRetirementSenior citizens

Comparing the yearly cost of fixed-fee, percentage and commission-based financial advice

Financial Advisor Fees in India: What You Pay

What financial advisors in India charge, SEBI's limits (₹1,51,000 a year or 2.5% of assets), whether the fee is worth it and if you can deduct it.

6 October 2026

Fee-onlySEBI RIAFees

A couple reading their written financial plan at the dining table while their daughter draws

What Is a Fee-Only Financial Planner in India?

Learn what fee-only financial planning means, how it differs from commissions and AUM fees, and how to verify a SEBI Registered Investment Adviser.

5 October 2026

Fee-onlySEBI RIAFinancial planning

Two armchairs by a window at dusk with a lit diya, two cups of chai and an open notebook

A fireside chat with our Founder

Abhishek Kumar on how the 2004 tsunami changed his family's finances, and why he started a fee-only investment advisory practice.

15 April 2021

An open diary, a pen and a cup of chai on a window ledge overlooking a path through green hills at sunrise

My Journey to Becoming a Fee-Only Adviser

How the 2004 tsunami turned Abhishek Kumar's family to financial planning, and the path that led him to become a SEBI Registered fee-only adviser.