3 in 4 Indians close to retirement have no detailed plan. 61% feel confident they'll retire comfortably anyway. The March 2026 edition (issue 10) of 1 Finance Magazine is out. The lead story sits in that gap. Retirement confidence without a plan is just optimism. Here's the flavour of what we uncovered: - Our Retirement Readiness Survey asked 1,218 respondents across more than 20 Indian cities. 82% call healthcare their biggest retirement worry. Even at incomes >₹25 lakh, only 35% use a professional financial advisor. And 84% still don't have a will. - We tested what personalised financial advice is actually worth. The answer: between 1.5% and 3% of net portfolio value every year. That's 11 to 20 times the fee paid. Behavioural coaching beat every other advisory action in every household we studied. - For Indians wanting global exposure, we built the missing manual on GIFT City. - Indian commercial real estate hit 80 million sq ft of leasing in 2025. Global Capability Centres now drive 38% of office demand. For the first time, domestic capital outpaced foreign. - 66% of civil cases in India are land disputes. We examined how blockchain could free the billions stuck in India's broken property records. - On credit cards, the average Indian captures about 4% of annual spending through rewards. The right card stack can take that to 10%. 92% of cardholders are leaving the difference on the table. Two long-form interviews this issue: - @duavarun, Founder of @ACKOIndia Insurance. - @ashish343, Co-Founder of @CoinSwitch and Lemonn. Two guest columns: - @dhirendra_vr of @ValueResearch on the long-term math of mutual fund costs. - @himanshupandya1 on why hyper-personalisation is the wealth manager's last great alpha in the age of AI. Contextualising perspectives across the research: - Retirement: @ravisaraogi of @team_samasthiti, Abhishek Kumar of @sahajmoneyindia and @SanaSecurities. - Value of advice: @RajanSoumya of Waterfield Advisors. - GIFT City: @ActusDei of @thefynprint. - Commercial real estate: @dalipsehgal2 of Nexus Select Trust and Shiv Parekh of hBits. - Blockchain in land records: Raj Kapoor of @IndBlockchain. - Credit card optimisation: @tejasghongadi of @ThePointsCode and @Perfi_X. Plus our Macroeconomic Outlook on the shifting world order, and Product Featured Lists across 9 categories. Save this for your next client planning conversation. If you're a financial advisor or you work in BFSI or fintech and care about evidence-backed, behaviour-aware advice, I'd love for you to join our waitlist for future editions (direct link is in the next comment). Tagging the team and contributors who made this issue possible: @1FinanceHQ @AakashRachh Arman Qureshi Chetan Kate @devpatelx6 Mohd Faisal Shaikh @IshikaNarvekar @Jasdhamecha @BahlKanan @manju_dhake Manish Gholam Manuj Puri @mashru_purvang @Rajanitandale1 Sanya Agarwal Studio Paperheads

the first trillionaire of the world wasn't saving money and investing in index funds to retire early from his job lesson in there

Fable on API is about $600/hour lol, our jobs might be safe for a while.

PHONEPE, CRED SET TO REVIVE CREDIT CARD RENT PAYMENTS UNDER RBI-COMPLIANT MARKETPLACE MODEL

India’s fertility rate falling below replacement rate should open a new economic conversation. Replacement rate simply means a country is no longer having enough children to replace its population over time. India still has demographic momentum because we are a young country, but structurally this changes the long-term math of growth. When fewer children are born, every worker matters more. Productivity matters more. Skills matter more. And female workforce participation matters much more. But this also creates a tension many developed economies have already experienced: as women become more educated and participate more in the workforce, fertility rates often fall further. So the real question is not: Should women work? That answer is obvious, economically and socially. The real question is: How do we make careers and family sustainable together? The countries that managed this relatively better did not solve it through rhetoric. They built ecosystems: childcare, flexible work, shorter commutes, family support systems, organized care infrastructure. For years we thought of infrastructure as roads, ports and power. In the next phase of India’s growth, childcare and care infrastructure may become equally important economic infrastructure. Not just AI. Human participation itself may become one of the biggest growth drivers.

Chasing an extra 1-2% return through stock picking is the smallest lever a middle class Indian has while Growing active income is the biggest. Income growth is hard work, which's fully in your control, and yet most of you will pick a stock instead, which is never in your control.

Where are the International Investment friends today? ♦️SOUTH KOREA's KOSPI down 6.9% wiping out $345 BILLION ♦️TAIWAN's stock market down 4% erasing $198 BILLION ♦️JAPAN's NIKKEI down 2.4% erasing $206 BILLION Understand the risk associated with it before jumping on the wagon. Semiconductor stocks have been hot over a period of time and the price returns have been in double/triple digits. But what about the earnings? Earnings haven't been great to justify the Price. Regardless how much you curse India and the Indian Stock Market not having AI/Semiconductor companies; the one's in global stock markets are not having earnings to justify the overhyped prices. Meanwhile India has diversified businesses which are doing very well in terms of the earnings, and the price will catchup soon since they have a 98% correlation. Please do not just bend over to social media narratives without knowing 'why' is someone promoting something. Everyone is incentivised in the wrong way, be it commissions or the likes/views/followers etc. Get in touch with a Qualified Financial Advisor who can guide you unbiasedly and recommend you financial products only if they suit your behaviour, lifestage, and financial milestones🙏

🇹🇼Taiwan's stock market gained 25.7% in 2025. It's up another 48% so far in 2026. Three consecutive years of 20% returns before this year's run, and now a YTD number that makes every other emerging market look like it's standing still. Taiwan does look like a winner. Until you look at what's underneath the number👇 ♦️This is really a one-stock market. TSMC, the world's largest chip foundry, accounts for roughly 43% of the entire TAIEX. ♦️In 2025, TSMC contributed an estimated 3,813 points to the index's advance. The rest of Taiwan, all 1,000-odd listed companies combined, barely moved. ♦️The TWSE now trades at a P/E of 30x against a historical median closer to 17x. Its PEG ratio sits at 3.9, which means you're paying nearly four times over for every unit of earnings growth. ♦️On a global valuation map, only 3 markets out of the entire world currently sit in the "Overvalued" zone. Taiwan is one of them, alongside Sweden and Thailand. And nearly all of that premium is one company's bet on AI infrastructure spending continuing at the current pace. ♦️Taiwan's semiconductor exporters earn in USD and report in TWD. Every 1% appreciation in the Taiwan dollar shaves 0.4 to 1.5 percentage points off gross margins for companies like TSMC, UMC, and ASE Tech. ♦️In 2022, when the Fed hiked rates and the dollar strengthened, the TWSE fell 22.4% while the TWD weakened over 7.5% against the USD. Capital outflows and margin compression hit at the same time. Read the entire Blog on Emerging Markets and their Outlook & Risks for 2026: indiamacroindicators.co.in/r…

RBI clarifies that its physical stock of gold holdings remains unchanged at 880.52 tonnes. Before spreading misinformation, influencers and politicians could've checked RBI's weekly statistical supplement and waited for June 5th for its revised update.

Today , the Godrej Group announced their entry into the wealth management space with the launch of Godrej Wealth I sat down with Pirojsha Godrej and Manish Shah, MD & CEO of Godrej Capital to understand the reason behind this foray The Godrej group is very bullish on the financial services sector in India and within the space, they are particularly optimistic on wealth management and lending. within financial services, they expect the wealth management company Godrej Wealth to hit an AUM of 1 lakh crore by 2031 the target for both lending wealth management is 2 lakh crore in AUM by 2031 The group sees financial services as the fastest growing piece of the Godrej Group pie Pirojsha spoke about financial services forming 10% of the overall group business by 2031 when asked on listing the business he said, before march 2031, they will list the financial services business They will launch Godrej Wealth in 8 cities first and then move to 35 cities over the next few years.