The Finology Podcast

In this episode, I break down the exact reasons why I strictly avoid investing in unlisted equities. We explore the legal nuances under SEBI, the critical absence of regulatory grievance redressal, and the harsh reality of liquidity, specifically, the fact that selling these shares is never guaranteed. From the danger of holding illiquid assets to SEBI's mandatory six-month post-IPO lock-in pe...

The Indian IT sector has hit a major roadblock. Triggered by Accenture’s massive revenue guidance cut, market heavyweights like TCS and Infosys have hit fresh multi-year lows, wiping out substantial investor wealth. With global enterprise budgets freezing and generative AI reshaping traditional tech demand, the ground is shifting fast for retail investors. Instead of reacting to the market panic,...

Looking for good stocks to buy today? In this episode, we break down five powerful, beginner-friendly stock picking strategies to help you find high-quality companies and build a strong investment portfolio. Instead of relying on random tips, you will learn a systematic way to analyze the stock market using data-driven tools like Finology Ticker.____________________________________________________...

The National Pension System has quietly undergone a massive transformation, with structural changes completely altering how your retirement portfolio operates. But here is the real truth: despite all the flashy new updates being marketed under "NPS 3.0", including the highly anticipated 100% equities option, relaxed partial withdrawal limits, and a totally restructured slab-based fee sys...

In this episode, I take you behind the scenes of creating Finology 30, our flagship product that delivers 2 to 3 handpicked stock recommendations every month, building a robust portfolio of 30 to 35 well-researched stocks over one year. What You Will Learn:•Our Stock Selection Framework: How we filter thousands of companies down to the best long-term opportunities.•The Suitability Challenge: Desig...

Building real wealth and achieving financial freedom requires simple, grounded logic. The middle class needs practical answers to secure their hard-earned money and make it grow. In this episode, I answer the 7 most frequently asked questions. These are the essential money topics that every small investor encounters, covering everything from smart savings strategies to making active investing deci...

Penny stocks seduce retail investors with low entry prices and stories of explosive overnight gains, but the reality beneath that appeal is far less glamorous. In this episode, I unpack the psychology driving people toward this corner of the market, from the lottery-ticket mentality to FOMO, and examine what the data consistently shows about how these investments actually perform. If you've ev...

Explore the evolution and mechanics of currency in this concise overview of the global monetary system. This episode traces the trajectory of value from the historical limitations of direct barter to the sophisticated role of modern banking and fractional reserve lending. Gain a professional perspective on how financial institutions generate capital and the profound economic implications of large-...

Building a ₹70 Lakh+ corpus for your daughter sounds like a massive task, but the Sukanya Samriddhi Yojana makes it surprisingly simple if you understand the math. In this episode, I break down everything about the Sukanya Samriddhi Yojana. Whether you're starting with ₹2,000 a month or hitting the ₹1.5 Lakh limit, this is the only roadmap you need to secure her future milestones with absolute...

Identifying which stocks to remove from a portfolio is as critical as selecting which ones to buy. Following our analysis of structural exit triggers, this video focuses on the second half of the mandate: the criteria for capital allocation. In this episode, we analyse nine specific categories of companies that demonstrate the resilience and fundamental strength required for long-term capital appr...

Identifying which stocks to remove from a portfolio is as critical as selecting which ones to buy. In this video, we analyse ten specific categories of companies that frequently underperform or pose significant risks to long-term capital. We examine the fundamental and behavioural red flags that investors should monitor, ranging from management styles and capital structures to industry-specific vo...

Securing the right health insurance for senior citizens requires a clear understanding of complex policy clauses. This comprehensive guide explains the exact framework for evaluating medical insurance for your parents. In this episode, you will learn how to assess important terms such as co-payments, pre-existing disease waiting periods, and the no-claim bonus. Furthermore, we explore how to strat...

This episode breaks down the exact strategy to handle falling markets, decide when to average your stocks, and deploy your capital safely. _____________________________________________________________ ➡️Subscribe to Finology 30: https://tinyurl.com/spotifydescription ➡️Open Zerodha Demat Account for FREE -https://zerodha.com/open-account?c=ZMPXIG ➡️ Join my WhatsApp channel: https://whatsapp.com/c...

Most people start investing in Index Funds because they want to set it and forget it. It’s the ultimate advice given to every beginner: it’s cheap, it’s safe, and you don’t have to be a math genius to make it work. But there is a massive difference between simple and smart, and right now, a structural flaw in the way indices are built is creating a silent trap for Indian investors. This episode lo...

It’s a common misconception that building substantial wealth is reserved for high earners, but the reality is that a disciplined investment plan for ₹5,000 a month can actually be the ultimate bridge to financial freedom. This video is all about deconstructing the exact steps needed to go from ₹0 to ₹1 Crore over a 20-year journey. Whether you’re just starting your first job or you're working...

Stock market corrections have a strange effect on investors. Prices fall a little, uncertainty rises a lot, and suddenly long-term investors start behaving like short-term traders. But corrections are not an anomaly. They are part of the market’s natural rhythm. Almost every strong bull market in history has been punctuated by phases where prices cool off, valuations reset, and sentiment turns cau...

In this episode, we discuss how portfolio construction differs when decisions are strategy-driven instead of fund-driven. We explore how timing plays a role when deploying capital, and whether flexibility in buying and selling can meaningfully impact outcomes over a full market cycle. Costs are another silent factor that compounds over time. Even a small percentage difference can create a visible...

This episode takes a clear, practical look at what is driving the current movement in precious metals and how their role within a portfolio should be understood beyond short-term price action. Rather than reacting to headlines, this conversation focuses on allocation, perspective, and the strategic place gold and silver can hold within a long-term investing framework. If you are evaluating where t...

Artificial Intelligence dominates headlines today. From predictions about mass job losses to fears of machines replacing human intelligence, the public narrative around AI is dramatic and often misleading. This episode offers a grounded and practical perspective on what AI actually changes in the world of work. _____________________________________________________________ ➡️Subscribe to Finology 3...

This episode explains how to think about insurance from a risk-first perspective rather than a product-first one. Using a simple four-part risk mitigation framework based on frequency and severity, it shows how to decide which risks should be avoided, retained, mitigated, or transferred to an insurer. I explain the hidden traps buried in policy asterisks, illustrating how definitions, exclusions,...

Small-cap investing exists for one reason: growth that large caps can no longer deliver. This video explains why small caps offer access to niche sectors, early-stage businesses, and low-base opportunities that can compound faster and rerate sharply when the story plays out. Then comes the reality check. Small caps are a bad starting point for most retail investors. The data is clear. While long-t...

The 5th episode focuses on how Flexi-cap funds are the most powerful category in mutual funds and the most dangerous. It explains how flexi-cap funds can behave like large-cap, mid-cap, small-cap, or even hybrid funds, depending entirely on the fund manager’s decisions. With no market-cap constraints, outcomes are driven by the manager’s skill, philosophy, and incentives. _________________________...

The Fourth episode of our Mutual Fund Series for 2026 deconstructs the Large & Mid Cap category through a first-principles, data-led lens. By stripping away labels and studying full-cycle return behaviour, we explain how mid-cap graduation creates structural alpha and why large-cap anchors are essential for compounding stability. The focus stays on capturing maximum embedded alpha with control...

The third episode of our Mutual Fund Series for 2026 explains the dual-cost framework of Gold FOFs, why it differs from index mutual funds, and how the expense ratio and tracking error together determine investor outcomes. You will also see a data-backed comparison of leading Gold ETFs, practical illustrations on tracking efficiency, and why a higher-cost fund can still deliver better returns. Top...

This episode looks at how ETFs are actually bought and sold, how liquidity is provided, and how transaction mechanics influence the real cost of ownership for retail investors. The focus is on understanding the structure behind ETFs and how it differs from index mutual funds in practice. The goal of this discussion is clarity. Once the mechanics are understood, cost comparisons become more intuiti...