Gaining Ground Investment Services Private Limited

19/05/2026

Retirement is not just about having enough saved. It is also about knowing how to use what you have saved in a way that lasts.

The ET Wealth expert Q&A panel recently featured a reader question on exactly this - how to invest a retirement corpus to generate a steady monthly income. While addressing this, Ravi Kumar TV touched upon three key aspects of retirement planning

✅ Inflation and longevity risk - building the retirement corpus that beats inflation
✅ Retirement distribution strategy - balancing safety and growth in the portfolio
✅ Reality check on withdrawal - realistic income expectations from the savings

A worthwhile read for anyone who is approaching retirement or helping a family member plan for it.

If you have questions about building or reviewing your retirement plan, we are happy to help. You can also explore our retirement planning page to learn more about our approach.

🔖 https://zurl.co/sy1aI

Feel free to reach out to us.

28/04/2026

Most of us live by a script. But life has a way of introducing a plot twist.

Maybe it's an unexpected job offer in a new country. A career break you didn't see coming, the arrival of a new member or moving to a continent for a better life etc.

These life events ask us to transition - move into a new normal. And every transition, whether you choose it or not, demands that you evolve.

In our latest blog, Ksh*tija Shete shares three real stories of people who went through major life changes and what made those transitions work. Each story is different. But the thread running through all of them is the same.

When your life changes, your finances need to align.

Letting go of the “planned” life is not failure. It is an adaptation. The question is not whether your path changed, but whether you are willing to evolve with it.

Explore these stories and understand what it takes to evolve as Life Events Unfold.
https://zurl.co/VOpH2

If you are going through a transition right now and want to think through the financial side, we are here to listen.

Feel free to reach out to us.

08/04/2026

"I will start investing once my loan is cleared."
"I will plan my finances once I have some extra money."
"Let me wait for the market to settle down first."

We have all said something like this. At least once. Some of us, many times.

But think about this for a moment.

When a doctor tells you to change your diet or you risk a serious health problem, you don't say "I will start eating healthy once things calm down at work." You act. Because the cost of not acting feels real and immediate.

So why do we treat our financial health differently?

The market has been volatile. War tensions, global uncertainty, portfolios going up and down. And in times like these, the most common reaction is to pause; to wait; to say “let me see how things go”

But here is the seed we want to plant in your mind today.

The best time to start was 10 years back. The second best time is now. Not when the market is perfect. Not when your salary goes up. Not when things settle. Now…!!

Waiting feels safe. But every month you wait is a month compounding is not working for you.

We wrote this blog a while ago. But honestly, it feels more relevant today than ever. Because the reasons we procrastinate never really change. Only the excuses do.

Read it here: https://zurl.co/lT31L

If this made you think, it has done its job. And if you are ready to stop waiting and take that first step, we are right here.

Feel free to reach out to us.

01/04/2026

It’s easy to chase the top-performing fund category. But a fund’s label tells only half the story.

This week's ET Wealth story by Kayezad E. Adajania highlights how flexi-cap and multi-cap funds are actually positioned and how that shapes outcomes over time.

As Ravi points out his views in this story, flexi-cap funds often work well as a core holding for diversification, while multi-cap funds, with their structured exposure across market caps, are designed for long-term growth.

At Gaining Ground, we look beyond labels. Our focus is on aligning fund selection with each client’s goals, risk profile, and overall portfolio strategy.

Some Flexi-cap funds often drift large-cap, while Multi-cap funds enforce broader exposure. But the real decision isn’t the label. Good investing isn’t about choosing the best category. It’s about choosing what fits you best. Depending on investor needs, both categories have a role. Focus on fund selection, not just categories.

Here you can read the full article: https://zurl.co/wwofe

If you are reviewing your mutual fund portfolio or want to understand which category suits your goals better, we are happy to help.

Feel free to reach out to us.

26/03/2026

Every market fall comes with the same question: Should I stay, or should I exit?

The answer lies not in the market, but in how you think about it.

In our latest blog, Ksh*tija Shete writes a timely and thought-provoking read on why volatility is not something to fear, but something to understand, and how the right thinking frameworks can turn uncertainty into your biggest investing advantage.

"Headlines create fear. Time creates wealth."

Because in investing, how you think during uncertainty is everything.

Explore the 5 frameworks here: https://zurl.co/VSHgK

17/03/2026

Market correction are a recurring reality. But how a portfolio holds up through them depends entirely on how it is built.

A recent ET Wealth analysis by Abhinav Kaul looked at three of the biggest market crashes over the last 25 years: the Dotcom Bust, the Global Financial Crisis, and the Covid-19 crash, and studied how seven different portfolios, ranging from aggressive equity-heavy mixes to more defensive debt-heavy allocations, performed through each of them.

The data revealed a consistent pattern. Portfolios with higher equity exposure saw sharper drawdowns but also bounced back faster. Defensive portfolios limited the fall but lagged significantly during recovery. Portfolios with a balanced mix of equity, debt, and gold delivered steadier outcomes across all three crashes - not the highest returns, but the most resilient ones.

In this context, Ravi Kumar TV, Director at Gaining Ground Investment Services, shares his key takeaway for investors. He believes that investors today show greater maturity than in past crises and are less likely to panic. He also adds that the multi-asset framework will still continue to work - something like 60% equity, 30-40% debt, and about 10% gold can work well for moderate investors.

Diversification may not deliver the best returns in a bull run. But it reduces how much you lose when markets fall, and that is what builds lasting wealth.

Here you can read the full article: https://zurl.co/tv31o

If you are reviewing your portfolio or wondering whether your asset allocation is built for the long term, we are happy to help.

Feel free to reach out to us.

11/03/2026

Episode #7 of Gaining Conversations is now LIVE

The Real Truth About Compounding in Indian Equities

Compounding is often described as simple: stay invested and allow time to work in your favor.
But in reality, it requires patience and the ability to stay through the non-linearity of markets.

In this episode, Ravi speaks with Shridatta Bhandwaldar, Head of Equities at Canara Robeco Mutual Fund, who oversees equity assets of over ₹1 lakh crore.

In this conversation, he shares insights on:

• What truly drives long-term compounding in equities
• How professional fund managers construct portfolios
• Why chasing recent performance can erode wealth
• How investors can separate market noise from meaningful signals

For anyone interested in building long-term wealth through equity investing, this episode offers valuable perspective.

🎧 Listen to the episode here:
Spotify: https://zurl.co/P6BGh

Apple Podcasts: https://zurl.co/8rCjD

Gaining Conversations Podcast · Episode

03/03/2026

Starting the investing habit early is one of the smartest financial moves you can make. Even as a student, beginning a SIP with a small amount can create a strong foundation for the future.

A 20-year-old student recently asked whether his current SIP strategy could help him reach ₹50 lakh over the next 10 years.

In this ET Wealth Q&A, Ravi Kumar highlights an important reality. While the choice of funds shows discipline, the real driver of wealth creation is not just fund selection, but how much you invest and how consistently you step it up as your income grows.

The message is simple. At age 20, your biggest asset is your earning potential. Build that, increase your SIPs over time, and let compounding do the heavy lifting.

A good reminder that starting small is fine, but scaling up is what truly builds wealth.

13/02/2026

A retail SIP investor asked whether Sebi’s new Base Expense Ratio (BER) and Total Expense Ratio (TER) rules will change mutual fund costs, and where these charges can be viewed.

Ravi Kumar explained that for investors in regular mutual fund plans, the way expenses are deducted will remain the same. However, the new framework improves transparency by separating fund management costs from brokerage and transaction charges.

Investors can now track these charges more clearly through:

• Scheme fact sheets

• SID and KIM documents

• AMC websites

The revised rules also place tighter caps on expenses and brokerage, which may slightly improve net returns over time. Importantly, this change does not require investors to switch funds. It mainly helps investors understand what they are paying for.

This insightful Q&A was featured in ET Wealth.

10/02/2026

Beyond the Budget | What it really means for investors

The Union Budget 2026 is more than an annual policy announcement. Its real impact unfolds over time, shaping economic direction, investment opportunities, and long-term wealth outcomes.

In this short video, we share a practical perspective on:

1. The long-term growth direction of the Indian economy
2. Sectors positioned to benefit from sustained policy focus
3. Why disciplined investing matters more than short-term predictions
4. Key tax changes affecting individuals, families, and NRIs

This video focuses on the long-term implications of the budget, beyond short-term headlines.

Watch the video here: https://zurl.co/bP4RD

If you’d like to discuss how these insights apply to your financial plan, feel free to reach out.

On 1st February 2026, the Finance Minister presented the Union Budget 2026. In this video, we break down the budget and analyse its potential impact on the I...

06/01/2026