Moniwise Team

Written by the Moniwise Team, led by a mathematics teacher who loves simplifying numbers, money, and investments. While not a financial advisor, we share practical, research-based tips for young earners to build wealth.

Professional investment portfolio dashboard showing consolidated tracking of stocks, mutual funds, fixed deposits, and government investment schemes with asset allocation charts and rupee calculations for Indian investors.

Consolidate All Investments in One Place – Complete Portfolio Guide for Indians

Introduction: The Hidden Wealth You’re Not Tracking Most Indian investors have a problem they never voice out loud: scattered investments. You bought mutual funds through your bank’s distributor three years ago. Your cousin recommended a stock trading app, so you opened another account. Your employer offers an employee stock plan. You have an old FD somewhere,

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Young Indian professional earning money while living with parents, piggy bank filled with rupee notes, wealth growth chart showing financial progress, modern home setting demonstrating financial wisdom of joint family living

Living with Parents in Your 20s: Financial Wisdom, Not Failure

Why Living with Parents in Your 20s is Financial Wisdom, Not Failure “Might get me cancelled but: Living with parents in your mid-20s isn’t a ‘failure’—it’s financial wisdom in a world where rent eats 50% of your income.” This viral post by Aryan Kochhar, co-founder of fintech platform FinFloww, sparked a massive debate online in

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Illustration of three Indian women investors reacting differently to a stock market crash graph—one panicked, one overconfident, and one confused by the crowd.

Three Friends, One Market Crash: How Psychology Changed Lives

The Priya, Kavitha, Amina Story: Three Friends, One Market Crash, Three Different Fates March 2020 changed everything. As COVID-19 spread across India, the stock market collapsed​ with terrifying speed. On March 23, 2020, the Sensex crashed 3,935 points—a 13.15% fall in a single day. Within weeks, ₹13.95 lakh crore in market value vanished. Three friends—Priya,

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Jugaad finance Indian money management innovation resourcefulness

The Art of Jugaad Finance: Indian Innovation in Money Management

THE ART OF JUGAAD FINANCE: INDIAN INNOVATION IN MONEY MANAGEMENT What Is Jugaad, Really? Picture this: You’re trying to watch your favorite cricket match, but the TV signal keeps cutting out. What do you do? If you’re Indian, you probably wrapped an old coat hanger around the antenna and suddenly—crystal clear reception. That’s Jugaad. Jugaad

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Protective put and collar hedging strategies using options contracts to protect stock portfolio from market downturns in Indian NSE BSE market

Hedging Strategies Using Options in the Indian Market

Hedging Strategies Using Options in the Indian Market: A Beginner’s Guide If you’ve invested in stocks or equity mutual funds, you’ve probably wondered: “What if the market suddenly crashes?” The good news is that you don’t have to sell your holdings or sit nervously watching red candles. This is where hedging strategies​ using options come into play—a smart way

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