{"id":1825,"date":"2026-06-24T14:39:43","date_gmt":"2026-06-24T09:09:43","guid":{"rendered":"https:\/\/subhshantiwealth.com\/sswblog\/?p=1825"},"modified":"2026-06-25T14:14:04","modified_gmt":"2026-06-25T08:44:04","slug":"moneylogue-june-2026-edition","status":"publish","type":"post","link":"https:\/\/subhshantiwealth.com\/sswblog\/moneylogue-june-2026-edition\/","title":{"rendered":"Moneylogue \u2013 June 2026 Edition"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8515b43f alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<a id=\"ceo-note\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-ceo-may {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n}\n.ssw-ceo-may-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #transparent;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-ceo-may-wrap {\n    overflow: hidden;\n    padding-top: 40px;\n}\n.ssw-ceo-may-photo {\n    float: left;\n    width: 160px;\n    margin: 6px 24px 20px 0;\n    border-radius: 12px;\n    box-shadow: 0 10px 25px rgba(110,43,107,0.15);\n}\n.ssw-ceo-may-greeting {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 24px;\n    font-weight: 600;\n    color: #6e2b6b;\n    margin: 0 0 18px;\n}\n.ssw-ceo-may-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 16px;\n    line-height: 1.8;\n    margin: 0 0 20px;\n    color: #1a1118;\n}\n.ssw-ceo-may-body strong { color: #6e2b6b; font-weight: 600; }\n.ssw-ceo-may-sign {\n    border-top: 1.5px solid #c7c8ca;\n    padding-top: 24px;\n    margin-top: 30px;\n}\n.ssw-ceo-may-name {\n    display: block;\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 24px;\n    font-style: italic;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 6px 0 3px;\n}\n.ssw-ceo-may-role {\n    font-family: 'Outfit', sans-serif;\n    font-size: 14px;\n    color: #8b7889;\n    font-weight: 500;\n}\n\n@media (max-width: 600px) {\n    .ssw-ceo-may-inner { padding: 0 16px 40px 16px; }\n    .ssw-ceo-may-wrap { padding-top: 30px; }\n    .ssw-ceo-may-photo {\n        width: 120px;\n        float: none;\n        display: block;\n        margin: 0 auto 24px auto;\n    }\n    .ssw-ceo-may-greeting { text-align: center; }\n    .ssw-ceo-may-sign { text-align: center; }\n}\n<\/style>\n\n<div class=\"ssw-ceo-may\">\n    <div class=\"ssw-ceo-may-inner\">\n        <div class=\"ssw-ceo-may-wrap\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/c6e54611-8e72-0744-8f45-6f40a24de63e.png\" alt=\"Sandeep Chhajer\" class=\"ssw-ceo-may-photo\">\n            <p class=\"ssw-ceo-may-greeting\">Dear Investor,<\/p>\n            <p class=\"ssw-ceo-may-body\">June arrived with markets finding their footing after a restless few months. For investors who stayed disciplined through that period, the experience has reinforced something worth holding onto: in investing, how you manage your portfolio through uncertainty often matters more than what you hold during the calm.<\/p>\n        <\/div>\n        <p class=\"ssw-ceo-may-body\">If you have looked at your portfolio recently and felt that something deserves a closer look, that instinct is usually right. Returns on paper can look reasonable while the underlying structure drifts. The feeling that it is time to review is often the most reliable signal of all.<\/p>\n        <p class=\"ssw-ceo-may-body\">India&#8217;s equity story remains strong. But strong markets have a way of masking portfolios that have drifted from where they need to be. The companies and funds that built your wealth over the last five years may not be the same ones best positioned to build it over the next five. This is not a cause for alarm. It is simply an invitation to look more closely.<\/p>\n        <p class=\"ssw-ceo-may-body\">That is exactly what this month&#8217;s <strong>Spotlight<\/strong> does. We take an honest look at Portfolio Management Services (PMS). If your wealth has grown to a point where a different approach to direct stock investing makes sense, this section will help you think it through clearly.<\/p>\n        <p class=\"ssw-ceo-may-body\">Our <strong>Personal Finance Corner<\/strong> this month is about your credit score \u2014 the three-digit number that shapes every major financial decision in your life. Most people only check it when they need a loan. By then, it&#8217;s often too late to fix it. Make sure you&#8217;re not one of them.<\/p>\n        <p class=\"ssw-ceo-may-body\">In our <strong>Company Bulletin,<\/strong> please take a moment to see and welcome the latest additions to our Kolkata team this month.<\/p>\n        <p class=\"ssw-ceo-may-body\">We deeply appreciate your continued confidence in us.<\/p>\n        <div class=\"ssw-ceo-may-sign\">\n            <p class=\"ssw-ceo-may-body\" style=\"margin-bottom:4px;color:#4a3a48;\">Warm regards,<\/p>\n            <span class=\"ssw-ceo-may-name\">Sandeep Chhajer<\/span>\n            <span class=\"ssw-ceo-may-role\">Founder &amp; CEO, SubhShanti Wealth<\/span>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e4d8fa4d\">\n<a id=\"spotlight\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-spot {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n    padding-top: 24px;\n}\n.ssw-may-spot-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #ffffff;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-spot-banner {\n    width: 100%;\n    display: block;\n    border-radius: 6px;\n    padding-top: 20px;\n}\n.ssw-may-spot-h2 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 30px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 24px 0 20px;\n    line-height: 1.25;\n    letter-spacing: -0.5px;\n}\n.ssw-may-spot-h3 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 22px;\n    font-weight: 700;\n    color: #6e2b6b;\n    border-bottom: 1.5px solid rgba(196,157,87,0.3);\n    padding-bottom: 10px;\n    margin: 28px 0 16px;\n}\n.ssw-may-spot-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 16px;\n    line-height: 1.8;\n    color: #1a1118;\n    margin: 0 0 16px;\n}\n.ssw-may-spot-body strong { color: #6e2b6b; font-weight: 600; }\n.ssw-may-spot-body em { font-style: italic; }\n\n\/* Comparison Table *\/\n.ssw-may-spot-table {\n    width: 100%;\n    border-collapse: collapse;\n    margin: 8px 0 24px;\n    border-radius: 10px;\n    overflow: hidden;\n    border: 1px solid #e8e0db;\n}\n.ssw-may-spot-table th {\n    background-color: #6e2b6b;\n    color: #ffffff;\n    font-family: 'Outfit', sans-serif;\n    font-size: 13px;\n    font-weight: 700;\n    text-align: left;\n    padding: 12px 14px;\n    border-right: 1px solid rgba(255,255,255,0.15);\n}\n.ssw-may-spot-table th:last-child { border-right: none; }\n.ssw-may-spot-table td {\n    font-family: 'Outfit', sans-serif;\n    font-size: 13.5px;\n    line-height: 1.6;\n    color: #1a1118;\n    padding: 12px 14px;\n    border-top: 1px solid #e8e0db;\n    border-right: 1px solid #e8e0db;\n    vertical-align: top;\n    background-color: #fdfbf8;\n}\n.ssw-may-spot-table td:first-child {\n    font-weight: 700;\n    color: #6e2b6b;\n    background-color: #f7f1ea;\n}\n.ssw-may-spot-table td:last-child { border-right: none; 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}\n.ssw-may-spot-callout strong { color: #6e2b6b; font-weight: 700; }\n.ssw-may-spot-callout-list {\n    margin: 0 0 10px;\n    padding-left: 22px;\n}\n.ssw-may-spot-callout-list:last-child { margin-bottom: 0; }\n.ssw-may-spot-callout-list li {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: #1a1118;\n    margin-bottom: 6px;\n}\n.ssw-may-spot-callout-list strong { color: #6e2b6b; font-weight: 700; }\n\n.ssw-may-spot-questions {\n    padding: 22px 26px;\n    background-color: #6e2b6b;\n    border-radius: 12px;\n    margin: 8px 0 24px;\n}\n.ssw-may-spot-questions p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: rgba(255,255,255,0.92);\n    margin: 0 0 10px;\n    padding-left: 16px;\n    position: relative;\n}\n.ssw-may-spot-questions p:before {\n    content: \"?\";\n    position: absolute;\n    left: 0;\n    color: #c49d57;\n    font-weight: 700;\n}\n.ssw-may-spot-questions p:last-child { margin: 0; }\n\n.ssw-may-spot-cta {\n    padding: 22px 26px;\n    background-color: #fdf9f0;\n    border-left: 4px solid #c49d57;\n    border-radius: 0 12px 12px 0;\n    margin: 8px 0 24px;\n}\n.ssw-may-spot-cta p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: #1a1118;\n    margin: 0;\n}\n.ssw-may-spot-cta strong { color: #6e2b6b; font-weight: 700; }\n\n.ssw-may-spot-disclaimer {\n    font-family: 'Outfit', sans-serif;\n    font-style: italic;\n    font-size: 12px;\n    line-height: 1.7;\n    color: #8b7889;\n    margin: 28px 0 0;\n    padding-top: 20px;\n    border-top: 1px solid #e8e0db;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-spot-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-spot-h2 { font-size: 23px; }\n    .ssw-may-spot-h3 { font-size: 18px; }\n    .ssw-may-spot-body { font-size: 15px; }\n    .ssw-may-spot-table th,\n    .ssw-may-spot-table td { font-size: 12px; padding: 9px 8px; }\n    .ssw-may-spot-table2 th,\n    .ssw-may-spot-table2 td { font-size: 13px; padding: 10px 8px; }\n    .ssw-may-spot-callout,\n    .ssw-may-spot-questions,\n    .ssw-may-spot-cta { padding: 18px 18px; }\n}\n<\/style>\n\n<div class=\"ssw-may-spot\">\n    <div class=\"ssw-may-spot-inner\">\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/74d047e9-ca7f-e88b-b168-e38d36cece13.png\" alt=\"Spotlight\" class=\"ssw-may-spot-banner\">\n\n        <h2 class=\"ssw-may-spot-h2\">Understanding Portfolio Management Services: Is It Time to Rethink How You Invest?<\/h2>\n\n        <p class=\"ssw-may-spot-body\">For decades, the formula for equity investing in India was simple. An investor would pick 8 to 10 companies they believed in, buy shares through their demat account, and hold on for the long term. This approach worked reasonably well in a market that moved slowly and predictably.<\/p>\n\n        <p class=\"ssw-may-spot-body\">That market no longer exists.<\/p>\n\n        <h3 class=\"ssw-may-spot-h3\">The Indian Equity Landscape Has Changed<\/h3>\n\n        <p class=\"ssw-may-spot-body\">Today, the top 5 companies account for close to 30% of the Nifty index. Sector leadership rotates on a monthly basis, with technology, banking, manufacturing, and consumption stocks taking turns at the top depending on global cues, policy announcements, and earnings cycles. International money flows in and out of Indian markets overnight, often moving prices before most individual investors have even checked their portfolios.<\/p>\n\n        <p class=\"ssw-may-spot-body\">In this environment, a portfolio that was built 5 or 10 years ago and left largely untouched is unlikely to be positioned for what the market rewards today. This is not a reflection of the investor&#8217;s judgement. It simply reflects how much more complex, fast moving, and globally connected the Indian market has become.<\/p>\n\n        <h3 class=\"ssw-may-spot-h3\">What Is a Portfolio Management Service?<\/h3>\n\n        <p class=\"ssw-may-spot-body\">A Portfolio Management Service is a professionally managed investment offering in which a qualified portfolio manager makes day-to-day investment decisions on behalf of the investor, within an agreed strategy and risk framework. Unlike mutual funds, where an investor&#8217;s money is pooled with thousands of other investors into a single fund, this service typically holds securities directly in the investor&#8217;s own name.<\/p>\n\n        <p class=\"ssw-may-spot-body\">This means the investor has full visibility into every stock that is bought or sold, and the portfolio can be tailored to reflect a specific approach, whether that is a focus on large companies, emerging businesses, a particular sector theme, or a combination of strategies.<\/p>\n\n        <h3 class=\"ssw-may-spot-h3\">How It Differs From Managing Your Own Portfolio<\/h3>\n\n        <p class=\"ssw-may-spot-body\">The difference lies primarily in three areas.<\/p>\n\n        <table class=\"ssw-may-spot-table\">\n            <tbody><tr>\n                <th>Aspect<\/th>\n                <th>Self-Managed Portfolio<\/th>\n                <th>This Approach<\/th>\n            <\/tr>\n            <tr>\n                <td>Research<\/td>\n                <td>Based on personal time, news, and available information<\/td>\n                <td>Backed by a dedicated team of analysts tracking companies, sectors, and macroeconomic trends continuously<\/td>\n            <\/tr>\n            <tr>\n                <td>Risk Management<\/td>\n                <td>Often reactive, based on individual judgement during volatile periods<\/td>\n                <td>Follows disciplined processes for position sizing, stop losses, sector limits, and rebalancing<\/td>\n            <\/tr>\n            <tr>\n                <td>Portfolio Composition<\/td>\n                <td>Often either too many stocks to track properly or too few to be diversified<\/td>\n                <td>A focused number of high-conviction ideas, each backed by research and ongoing monitoring<\/td>\n            <\/tr>\n        <\/tbody><\/table>\n\n        <h3 class=\"ssw-may-spot-h3\">What Can a 5% Difference Mean Over Time?<\/h3>\n\n        <p class=\"ssw-may-spot-body\">Compounding has a way of turning seemingly small differences into meaningful outcomes. Consider a \u20b91 crore investment held for 20 years:<\/p>\n\n        <table class=\"ssw-may-spot-table2\">\n            <tbody><tr>\n                <th>Annualized Return<\/th>\n                <th>Portfolio Value After 20 Years<\/th>\n            <\/tr>\n            <tr>\n                <td>10%<\/td>\n                <td>\u20b96.73 crore<\/td>\n            <\/tr>\n            <tr>\n                <td>15%<\/td>\n                <td>\u20b916.37 crore<\/td>\n            <\/tr>\n        <\/tbody><\/table>\n\n        <p class=\"ssw-may-spot-table2-note\">Difference in wealth created: \u20b99.64 crore<\/p>\n\n        <p class=\"ssw-may-spot-body\">That&#8217;s nearly 2.4 times more wealth, driven solely by a 5 percentage point difference in annualized returns over the long term.<\/p>\n\n        <p class=\"ssw-may-spot-body\">While returns are influenced by market conditions and cannot be predicted or guaranteed, long-term outcomes are also shaped by factors such as asset allocation, portfolio construction, risk management, and the discipline to stay invested through market cycles.<\/p>\n\n        <p class=\"ssw-may-spot-body\">Portfolio Management Services (PMS) offer a professionally managed, research-driven approach with ongoing monitoring and portfolio reviews, helping investors remain aligned with their long-term objectives through changing market conditions.<\/p>\n\n        <p class=\"ssw-may-spot-disclaimer\"><em>Standard Disclosure: Securities investments carry market risks; read documents carefully. Portfolio Management Services (PMS) offer no guaranteed returns. This hypothetical illustration is for education only and does not guarantee future performance.<\/em><\/p>\n\n        <h3 class=\"ssw-may-spot-h3\">Who Should Consider This?<\/h3>\n\n        <div class=\"ssw-may-spot-callout\">\n            <p>You must invest <strong>\u20b950 lakh minimum<\/strong> to open a PMS account (as per current SEBI regulations).<\/p>\n            <p>PMS is generally suitable for investors who:<\/p>\n            <ul class=\"ssw-may-spot-callout-list\">\n                <li>Have already built a foundation through <strong>mutual funds, fixed income, or other investments<\/strong><\/li>\n                <li>Are seeking a <strong>more actively managed and concentrated equity strategy<\/strong><\/li>\n                <li>Want access to a <strong>professionally managed, high-conviction portfolio<\/strong><\/li>\n            <\/ul>\n            <p>PMS is typically used as a <strong>complement to an existing portfolio<\/strong>, not as a replacement for all investments.<\/p>\n            <p>Investors should have:<\/p>\n            <ul class=\"ssw-may-spot-callout-list\">\n                <li>A <strong>higher risk tolerance<\/strong><\/li>\n                <li>A <strong>long-term investment horizon<\/strong><\/li>\n                <li>The ability to withstand short-term market volatility in pursuit of long-term wealth creation<\/li>\n            <\/ul>\n            <p><strong>Note:<\/strong> PMS accounts are regulated by <strong>SEBI<\/strong> and are designed primarily for affluent investors looking for customized portfolio management solutions.<\/p>\n        <\/div>\n\n        <h3 class=\"ssw-may-spot-h3\">3 Questions Worth Asking<\/h3>\n\n        <div class=\"ssw-may-spot-questions\">\n            <p>Do you know why every stock in your portfolio is there?<\/p>\n            <p>Has your portfolio evolved with the market over the last 2\u20133 years?<\/p>\n            <p>If a stock starts underperforming tomorrow, do you know when you would exit it?<\/p>\n        <\/div>\n\n        <div class=\"ssw-may-spot-cta\">\n            <p>Managing wealth is about more than selecting investments. If you&#8217;d like to understand whether this approach fits your broader financial goals, connect with a <strong>SSW expert<\/strong> to explore your options.<\/p>\n        <\/div>\n\n        <p class=\"ssw-may-spot-disclaimer\"><em>Mutual fund and Portfolio Management Service investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not indicative of future results. This article is intended for educational purposes only and does not constitute investment advice. Investors are encouraged to consult their financial advisor before making any investment decision.<\/em><\/p>\n\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-21f995b4\">\n<a id=\"company-bulletin\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-cb1 {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n    padding-top: 24px;\n}\n.ssw-may-cb1-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #ffffff;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-cb1-banner {\n    width: 100%;\n    display: block;\n    border-radius: 6px;\n    padding-top: 20px;\n}\n.ssw-may-cb1-nav {\n    margin-top: 32px;\n    border-radius: 6px;\n    overflow: hidden;\n}\n.ssw-may-cb1-nav-accent {\n    height: 4px;\n    background-color: #c49d57;\n    border-radius: 6px 6px 0 0;\n}\n.ssw-may-cb1-nav-body {\n    background-color: #5a2258;\n    padding: 28px 24px 36px 24px;\n    border-radius: 0 0 6px 6px;\n}\n.ssw-may-cb1-nav-logo {\n    display: block;\n    width: 300px;\n    max-width: 80%;\n    margin: 0 auto 24px auto;\n}\n.ssw-may-cb1-pin {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: #f0ddb0;\n    font-weight: 600;\n    margin: 0 0 16px;\n}\n.ssw-may-cb1-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: rgba(255,255,255,0.88);\n    margin: 0 0 14px;\n}\n.ssw-may-cb1-body strong { color: #f0ddb0; font-weight: 600; }\n.ssw-may-cb1-cta {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 16px;\n    font-style: italic;\n    color: #f0ddb0;\n    margin: 20px 0 0;\n    text-align: center;\n    line-height: 1.6;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-cb1-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-cb1-nav-body { padding: 24px 16px 32px 16px; }\n}\n<\/style>\n\n<div class=\"ssw-may-cb1\">\n    <div class=\"ssw-may-cb1-inner\">\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/a1e3ef17-4cde-73a7-cf54-dae3cf9144a3.png\" alt=\"Company Bulletin\" class=\"ssw-may-cb1-banner\" \/>\n\n        <div class=\"ssw-may-cb1-nav\">\n            <div class=\"ssw-may-cb1-nav-accent\"><\/div>\n            <div class=\"ssw-may-cb1-nav-body\">\n\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/ff89dded-93c1-7b82-5c61-106eb725e14d.png\" alt=\"SSW Navigator\" class=\"ssw-may-cb1-nav-logo\" \/>\n\n                <p class=\"ssw-may-cb1-pin\">\ud83d\udccc Missed SSW Navigator #3? The Replay Is Now Live.<\/p>\n\n                <p class=\"ssw-may-cb1-body\">Explore future global investment opportunities in our latest discussion.<\/p>\n\n                <p class=\"ssw-may-cb1-body\"><strong>Mr. Sandeep Chhajer<\/strong> (Founder &amp; CEO, SubhShanti Wealth) and <strong>Mr. Hari Shyamsunder<\/strong> (VP, Franklin Templeton AMC) discussed how AI and Defense are shaping the next era of wealth accumulation.<\/p>\n\n                <p class=\"ssw-may-cb1-body\">The session highlighted that opportunity is global, requiring investors to look beyond domestic borders as sector leadership rotates.<\/p>\n\n                <p class=\"ssw-may-cb1-body\">The full hour-long recording is now available for those who missed the live event.<\/p>\n\n                <p class=\"ssw-may-cb1-cta\">\ud83c\udfa5 Click below to watch the replay \ud83d\udc47<\/p>\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Global Investing: Capturing Trillion-Dollar Trends Beyond Home Ground\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/tRQHCwUaI1o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-cb3 {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n}\n.ssw-may-cb3-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #ffffff;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-cb3-team {\n    padding-top: 44px;\n}\n.ssw-may-cb3-team-h2 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 28px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 0 0 10px;\n    line-height: 1.2;\n    text-align: center;\n}\n.ssw-may-cb3-ornament {\n    text-align: center;\n    margin-bottom: 24px;\n}\n.ssw-may-cb3-ornament span {\n    display: inline-block;\n    color: #c49d57;\n    font-size: 11px;\n    letter-spacing: 4px;\n}\n.ssw-may-cb3-intro {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: #1a1118;\n    text-align: center;\n    margin: 0 0 32px;\n}\n.ssw-may-cb3-intro strong { color: #6e2b6b; font-weight: 600; }\n.ssw-may-cb3-team-row {\n    display: flex;\n    gap: 24px;\n    align-items: flex-start;\n}\n.ssw-may-cb3-team-col {\n    flex: 1;\n    min-width: 0;\n}\n.ssw-may-cb3-team-col:first-child {\n    border-right: 1px solid #ede5e0;\n    padding-right: 24px;\n}\n.ssw-may-cb3-team-photo {\n    width: 100%;\n    height: auto;\n    display: block;\n    border-radius: 8px;\n    margin-bottom: 16px;\n}\n.ssw-may-cb3-team-name {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 16px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 0 0 4px;\n    line-height: 1.3;\n}\n.ssw-may-cb3-team-role {\n    font-family: 'Outfit', sans-serif;\n    font-size: 11px;\n    font-weight: 700;\n    color: #9a6024;\n    letter-spacing: 1px;\n    text-transform: uppercase;\n    margin: 0 0 14px;\n}\n.ssw-may-cb3-team-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 14px;\n    line-height: 1.75;\n    color: #1a1118;\n    margin: 0 0 10px;\n}\n.ssw-may-cb3-team-welcome {\n    font-family: 'Outfit', sans-serif;\n    font-size: 14px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 0;\n}\n.ssw-may-cb3-closing {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: #1a1118;\n    text-align: center;\n    margin: 32px 0 0;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-cb3-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-cb3-team-h2 { font-size: 22px; }\n    .ssw-may-cb3-team-row {\n        flex-direction: column;\n        gap: 32px;\n    }\n    .ssw-may-cb3-team-col:first-child {\n        border-right: none;\n        padding-right: 0;\n        border-bottom: 1px solid #ede5e0;\n        padding-bottom: 32px;\n    }\n}\n<\/style>\n\n<div class=\"ssw-may-cb3\">\n    <div class=\"ssw-may-cb3-inner\">\n        <div class=\"ssw-may-cb3-team\">\n\n            <h2 class=\"ssw-may-cb3-team-h2\">A Warm Welcome to Our Newest Team Members<\/h2>\n            <div class=\"ssw-may-cb3-ornament\"><span>\u25c6 &nbsp; \u25c6 &nbsp; \u25c6<\/span><\/div>\n\n            <p class=\"ssw-may-cb3-intro\">This month, we&#8217;re delighted to welcome not one, but two new members to our Kolkata office as <strong>Customer Relationship Managers (CRM).<\/strong><\/p>\n\n            <div class=\"ssw-may-cb3-team-row\">\n\n                <!-- Mr. Indrajit -->\n                <div class=\"ssw-may-cb3-team-col\">\n                    <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/74dd380f-8cc4-4d21-d1f5-b175991233f0.png\" alt=\"Mr. Indrajit Goswami\" class=\"ssw-may-cb3-team-photo\">\n                    <p class=\"ssw-may-cb3-team-name\">Mr. Indrajit Goswami<\/p>\n                    <p class=\"ssw-may-cb3-team-role\">Customer Relationship Manager<\/p>\n                    <p class=\"ssw-may-cb3-team-body\">Mr. Indrajit Goswami brings over 10 years of experience at CAMS, with strong expertise in mutual fund operations, team leadership, and resolving SIP, SWP, and STP queries.<\/p>\n                    <p class=\"ssw-may-cb3-team-welcome\">Welcome aboard, Mr. Indrajit!<\/p>\n                <\/div>\n\n                <!-- Mr. Mithun -->\n                <div class=\"ssw-may-cb3-team-col\">\n                    <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/653b4453-d7d4-c98d-b590-3c20f66832c5.png\" alt=\"Mr. Mithun Ghorai\" class=\"ssw-may-cb3-team-photo\">\n                    <p class=\"ssw-may-cb3-team-name\">Mr. Mithun Ghorai<\/p>\n                    <p class=\"ssw-may-cb3-team-role\">Customer Relationship Manager<\/p>\n                    <p class=\"ssw-may-cb3-team-body\">Mr. Mithun Ghorai brings over 15 years of experience in the insurance sector, with a strong track record in customer servicing, first-line support, and resolving client issues to maximize satisfaction.<\/p>\n                    <p class=\"ssw-may-cb3-team-welcome\">Welcome aboard, Mr. Mithun!<\/p>\n                <\/div>\n\n            <\/div>\n\n            <p class=\"ssw-may-cb3-closing\">We look forward to their valuable contributions and wish them both great success in their new roles.<\/p>\n            \n\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-447ceccc\">\n<a id=\"knowledge-bulb\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-kb {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n    padding-top: 24px;\n}\n.ssw-may-kb-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #ffffff;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-kb-banner {\n    width: 100%;\n    display: block;\n    border-radius: 6px;\n    padding-top: 20px;\n}\n.ssw-may-kb-h2 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 30px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 24px 0 20px;\n    line-height: 1.25;\n}\n.ssw-may-kb-h2 em { color: #c49d57; font-style: italic; }\n.ssw-may-kb-story-img {\n    width: 100%;\n    display: block;\n    border-radius: 8px;\n    margin-bottom: 24px;\n}\n.ssw-may-kb-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15.5px;\n    line-height: 1.8;\n    color: #1a1118;\n    margin: 0 0 16px;\n}\n.ssw-may-kb-body strong { color: #6e2b6b; font-weight: 600; }\n.ssw-may-kb-body em { color: #6e2b6b; }\n.ssw-may-kb-moral {\n    padding: 22px 26px;\n    background-color: #f0eaf0;\n    border-left: 4px solid #6e2b6b;\n    border-radius: 0 10px 10px 0;\n    margin-top: 8px;\n}\n.ssw-may-kb-moral p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: #1a1118;\n    margin: 0;\n}\n.ssw-may-kb-moral strong { color: #6e2b6b; font-weight: 700; }\n\n@media (max-width: 600px) {\n    .ssw-may-kb-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-kb-h2 { font-size: 24px; }\n    .ssw-may-kb-body { font-size: 15px; }\n}\n<\/style>\n\n<div class=\"ssw-may-kb\">\n    <div class=\"ssw-may-kb-inner\">\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/f7518ac3-0d41-6429-6c1e-bbdd2ffe18d3.png\" alt=\"Knowledge Bulb\" class=\"ssw-may-kb-banner\">\n\n        <h2 class=\"ssw-may-kb-h2\">The <em>Wrong Company<\/em> Trade<\/h2>\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/62759122-df2b-cacd-fce5-41dc6f2fa4c2.jpg\" alt=\"The Wrong Company Trade\" class=\"ssw-may-kb-story-img\">\n\n        <p class=\"ssw-may-kb-body\">It took exactly two words from Elon Musk to trigger one of the most irrational rallies in market history: <strong>&#8220;Use Signal.&#8221;<\/strong><\/p>\n\n        <p class=\"ssw-may-kb-body\">He was recommending the encrypted messaging app. Instead, frantic investors piled into <strong>Signal Advance<\/strong> \u2014 an obscure, completely unrelated Texas healthcare company. The stock exploded by <strong>5,000%<\/strong> before anyone realized they had bought the wrong asset.<\/p>\n\n<p class=\"ssw-may-kb-body\">It is the ultimate case study in market psychology. Whether it&#8217;s a billionaire&#8217;s tweet, a viral rumor, or a sudden spike on a chart, the reflex is identical: <strong>people buy first out of fear of missing the move, and ask questions later.<\/strong><\/p>\n        <div class=\"ssw-may-kb-moral\">\n            <p><strong>Investor moral:<\/strong> Regardless of experience as an investor, the rule remains absolute: costly wealth mistakes start with urgent narratives and end with late fact-checks. Always verify assets before trading.<\/p>\n        <\/div>\n\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-62bdc81a\">\n<a id=\"personal-finance\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-pf {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n    padding-top: 24px;\n}\n.ssw-may-pf-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #5a1f57;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-pf-banner {\n    width: 100%;\n    display: block;\n    border-radius: 6px;\n    padding-top: 20px;\n}\n\n\/* Title *\/\n.ssw-may-pf-h2 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 36px;\n    font-weight: 700;\n    line-height: 1.2;\n    margin: 28px 0 28px;\n}\n.ssw-may-pf-h2 .gold { color: #c49d57; }\n.ssw-may-pf-h2 .white { color: #ffffff; }\n\n\/* Intro section \u2014 2 col *\/\n.ssw-may-pf-intro-row {\n    display: flex;\n    gap: 20px;\n    align-items: flex-start;\n    margin-bottom: 24px;\n}\n.ssw-may-pf-intro-left {\n    flex: 1;\n    min-width: 0;\n}\n.ssw-may-pf-intro-icon {\n    width: 64px;\n    height: auto;\n    display: block;\n    margin-bottom: 14px;\n}\n.ssw-may-pf-intro-text {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: rgba(255,255,255,0.88);\n    margin: 0 0 10px;\n}\n.ssw-may-pf-intro-text .gold-italic {\n    color: #c49d57;\n    font-style: italic;\n}\n.ssw-may-pf-intro-right {\n    width: 220px;\n    min-width: 220px;\n}\n.ssw-may-pf-gauge {\n    width: 100%;\n    height: auto;\n    display: block;\n}\n\n\/* Loan box *\/\n.ssw-may-pf-loan-box {\n    border: 1.5px solid rgba(196,157,87,0.5);\n    border-radius: 12px;\n    padding: 20px 22px;\n    margin-bottom: 28px;\n    display: flex;\n    gap: 18px;\n    align-items: flex-start;\n}\n.ssw-may-pf-loan-icon {\n    width: 52px;\n    min-width: 52px;\n    height: auto;\n    display: block;\n}\n.ssw-may-pf-loan-text {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: rgba(255,255,255,0.88);\n    margin: 0;\n    text-align: justify;\n}\n.ssw-may-pf-loan-text strong { color: #c49d57; font-weight: 700; }\n\n\/* Section headings *\/\n.ssw-may-pf-h3 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 22px;\n    font-weight: 700;\n    color: #c49d57;\n    text-align: center;\n    margin: 0 0 20px;\n    line-height: 1.3;\n}\n\n\/* Factor cards *\/\n.ssw-may-pf-card {\n    border: 1.5px solid rgba(196,157,87,0.5);\n    border-radius: 12px;\n    padding: 20px 22px;\n    margin-bottom: 16px;\n    display: flex;\n    gap: 18px;\n    align-items: flex-start;\n}\n.ssw-may-pf-card-icon {\n    width: 60px;\n    min-width: 60px;\n    height: auto;\n    display: block;\n}\n.ssw-may-pf-card-body {\n    flex: 1;\n    min-width: 0;\n}\n.ssw-may-pf-card-body p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.8;\n    color: rgba(255,255,255,0.88);\n    margin: 0;\n    text-align: justify;\n}\n.ssw-may-pf-card-body strong { color: #c49d57; font-weight: 700; }\n\n\/* Disclaimer *\/\n.ssw-may-pf-disclaimer {\n    font-family: 'Outfit', sans-serif;\n    font-style: italic;\n    font-size: 12px;\n    line-height: 1.7;\n    color: rgba(255,255,255,0.5);\n    margin: 28px 0 0;\n    padding-top: 20px;\n    border-top: 1px solid rgba(196,157,87,0.25);\n    text-align: center;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-pf-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-pf-h2 { font-size: 26px; }\n    .ssw-may-pf-h3 { font-size: 18px; }\n    .ssw-may-pf-intro-row { flex-direction: column; }\n    .ssw-may-pf-intro-right { width: 100%; min-width: unset; }\n    .ssw-may-pf-card { padding: 16px 14px; gap: 12px; }\n    .ssw-may-pf-loan-box { padding: 16px 14px; gap: 12px; }\n}\n<\/style>\n\n<div class=\"ssw-may-pf\">\n    <div class=\"ssw-may-pf-inner\">\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/a09e9731-346f-bec8-847b-dab4b60ce5c9.png\" alt=\"Personal Finance Corner\" class=\"ssw-may-pf-banner\">\n\n        <h2 class=\"ssw-may-pf-h2\">\n            <span class=\"gold\">Your Credit Score Isn&#8217;t Magic \u2014<\/span><br>\n            <span class=\"white\">Here&#8217;s Exactly What Moves It<\/span>\n        <\/h2>\n\n        <!-- Intro row -->\n        <div class=\"ssw-may-pf-intro-row\">\n            <div class=\"ssw-may-pf-intro-left\">\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/0d07b124-e989-14bb-7ddd-8311ba6982c9.png\" alt=\"Lightbulb\" class=\"ssw-may-pf-intro-icon\">\n                <p class=\"ssw-may-pf-intro-text\">A recent report confirmed what most financial experts already suspect: a large share of Indians either don&#8217;t know their credit score or dangerously misunderstand what shapes it.<\/p>\n                <p class=\"ssw-may-pf-intro-text\"><span class=\"gold-italic\">That knowledge gap has a price tag.<\/span><\/p>\n            <\/div>\n            <div class=\"ssw-may-pf-intro-right\">\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/2ca1fd3f-16d0-4851-74de-2c339b2596a7.png\" alt=\"Credit Score Gauge\" class=\"ssw-may-pf-gauge\">\n            <\/div>\n        <\/div>\n\n        <!-- Loan box -->\n        <div class=\"ssw-may-pf-loan-box\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/ddccd307-5121-9595-c66c-eec790920046.png\" alt=\"Loan Icon\" class=\"ssw-may-pf-loan-icon\">\n            <p class=\"ssw-may-pf-loan-text\">Your CIBIL score \u2014 or its equivalent from Experian, CRIF, or Equifax \u2014 runs from 300 to 900. Lenders typically want <strong>750 or above<\/strong> for a home loan at a competitive rate. Below 700, many banks either reject outright or load the interest rate by <strong>0.5% to 1.5%.<\/strong> On a \u20b950 lakh home loan over 20 years, that difference in rate can translate to <strong>\u20b96\u201310 lakh in extra<\/strong> interest paid. Your credit score, in other words, is one of the most consequential three-digit numbers in your financial life.<\/p>\n        <\/div>\n\n        <!-- What moves your score -->\n        <h3 class=\"ssw-may-pf-h3\">What actually moves your score:<\/h3>\n\n        <!-- Card 1 \u2014 35% -->\n        <div class=\"ssw-may-pf-card\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/751468a1-2862-adc0-f044-1068bacc4052.png\" alt=\"Payment History\" class=\"ssw-may-pf-card-icon\">\n            <div class=\"ssw-may-pf-card-body\">\n                <p><strong>Payment history (~35%)<\/strong> is the single largest factor. One missed EMI or credit card due date can drop your score by 50\u201370 points and that mark stays on your report for up to three years. It doesn&#8217;t matter if you paid the very next day. The bureau records the default, and lenders see it. Auto-pay for at least the minimum due is non-negotiable; paying the full outstanding balance is better.<\/p>\n            <\/div>\n        <\/div>\n\n        <!-- Card 2 \u2014 30% -->\n        <div class=\"ssw-may-pf-card\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/f8667e52-262f-b695-adcd-22c1b91d2b9d.png\" alt=\"Credit Utilisation\" class=\"ssw-may-pf-card-icon\">\n            <div class=\"ssw-may-pf-card-body\">\n                <p><strong>Credit utilisation ratio (~30%)<\/strong> measures how much of your total available credit limit you&#8217;re actually using. If your combined card limit is \u20b92 lakh and your monthly spend is \u20b91.5 lakh even if you pay it off in full you&#8217;re at 75% utilisation, which signals financial stress to lenders. The general rule: stay below 30%. If your spending is high, request a credit limit increase rather than cutting spend, or spread it across two cards.<\/p>\n            <\/div>\n        <\/div>\n\n        <!-- Card 3 \u2014 20% -->\n        <div class=\"ssw-may-pf-card\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/338cc8c7-ced5-6dc5-32d6-3d8dad03d22f.png\" alt=\"Credit History\" class=\"ssw-may-pf-card-icon\">\n            <div class=\"ssw-may-pf-card-body\">\n                <p><strong>Length of credit history and mix (~20%)<\/strong> rewards longevity and variety. A borrower with a 7-year-old credit card, an active home loan, and a closed personal loan looks far more creditworthy than someone with two cards opened last year. This is why closing your oldest credit card \u2014 even one you barely use \u2014 is almost always a mistake. The age of that account is working in your favour.<\/p>\n            <\/div>\n        <\/div>\n\n        <!-- Card 4 \u2014 15% -->\n        <div class=\"ssw-may-pf-card\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/06ab1e7c-8c9c-c1f8-b810-d4ae143795fc.png\" alt=\"New Enquiries\" class=\"ssw-may-pf-card-icon\">\n            <div class=\"ssw-may-pf-card-body\">\n                <p><strong>New credit enquiries (~15%)<\/strong> \u2014 every loan or card application triggers a &#8220;hard enquiry&#8221; on your report, visible to all lenders. One or two a year is fine. But applying to five lenders in a month because you&#8217;re shopping for a personal loan creates a pattern that screams financial distress, even if every application gets approved. Use aggregator platforms that show eligibility without triggering hard enquiries before you formally apply.<\/p>\n            <\/div>\n        <\/div>\n\n        <!-- What doesn't affect -->\n        <h3 class=\"ssw-may-pf-h3\">What doesn&#8217;t affect your score:<\/h3>\n\n        <div class=\"ssw-may-pf-card\">\n            <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/ff980a51-5c48-3df4-93ed-b12752381e45.png\" alt=\"Checkmark\" class=\"ssw-may-pf-card-icon\">\n            <div class=\"ssw-may-pf-card-body\">\n                <p>Your income, your savings account balance, your investments, or how wealthy you are. A high-income individual with poor repayment discipline will have a lower score than a salaried employee with modest earnings who never misses a due date. The score measures behaviour instead of wealth.<\/p>\n            <\/div>\n        <\/div>\n\n        <p class=\"ssw-may-pf-disclaimer\"><em>This is general information, not financial advice. Consult a qualified professional for your specific situation.<\/em><\/p>\n\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-d046faf6\">\n<a id=\"game\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-game {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n    padding-top: 24px;\n}\n.ssw-may-game-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: #ffffff;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n}\n.ssw-may-game-banner {\n    width: 100%;\n    display: block;\n    border-radius: 6px;\n    padding-top: 20px;\n}\n.ssw-may-game-h2 {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 28px;\n    font-weight: 700;\n    color: #6e2b6b;\n    text-align: center;\n    margin: 24px 0 20px;\n    line-height: 1.2;\n}\n.ssw-may-game-riddle {\n    padding: 22px 24px;\n    background-color: #fdf9f0;\n    border-left: 4px solid #c49d57;\n    border-radius: 0 10px 10px 0;\n    margin-bottom: 24px;\n}\n.ssw-may-game-riddle p {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 17px;\n    font-style: italic;\n    color: #4a3a48;\n    line-height: 1.7;\n    margin: 0;\n}\n.ssw-may-game-q {\n    font-family: 'Outfit', sans-serif;\n    font-size: 14px;\n    font-weight: 700;\n    color: #6e2b6b;\n    text-align: center;\n    margin: 0 0 16px;\n}\n.ssw-may-game-grid {\n    display: grid;\n    grid-template-columns: 1fr 1fr;\n    gap: 12px;\n    margin-bottom: 10px;\n}\n.ssw-may-game-option {\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    padding: 14px 16px;\n    background-color: #f0eaf0;\n    border-radius: 10px;\n    border: 1.5px solid #e0d0e0;\n}\n.ssw-may-game-letter {\n    width: 28px;\n    height: 28px;\n    min-width: 28px;\n    border-radius: 50%;\n    background-color: #6e2b6b;\n    color: #c49d57;\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 14px;\n    font-weight: 700;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n.ssw-may-game-option-text {\n    font-family: 'Outfit', sans-serif;\n    font-size: 14px;\n    font-weight: 600;\n    color: #1a1118;\n}\n.ssw-may-game-reveal {\n    margin: 36px 0 0;\n    background-color: #fdf9f0;\n    border-top: 6px solid #c49d57;\n    border-radius: 6px;\n    padding: 28px 24px 36px;\n}\n.ssw-may-game-eyebrow {\n    font-family: 'Outfit', sans-serif;\n    font-size: 11px;\n    font-weight: 700;\n    letter-spacing: 3px;\n    text-transform: uppercase;\n    color: #9a6024;\n    text-align: center;\n    margin: 0 0 14px;\n}\n.ssw-may-game-reveal-title {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 18px;\n    font-weight: 700;\n    color: #6e2b6b;\n    text-align: center;\n    margin: 0 0 16px;\n    line-height: 1.4;\n}\n.ssw-may-game-reveal-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.75;\n    color: #4a3a48;\n    margin: 0 0 8px;\n}\n.ssw-may-game-reveal-body strong { color: #6e2b6b; }\n.ssw-may-game-answer {\n    padding: 14px 20px;\n    background-color: #edf7ee;\n    border-left: 4px solid #2e7d32;\n    border-radius: 0 8px 8px 0;\n    margin: 16px 0;\n}\n.ssw-may-game-answer p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    font-weight: 700;\n    color: #2e7d32;\n    margin: 0;\n}\n.ssw-may-game-explanation {\n    padding: 18px 20px;\n    background-color: #ffffff;\n    border: 1px solid #e4dce4;\n    border-radius: 10px;\n}\n.ssw-may-game-explanation p {\n    font-family: 'Outfit', sans-serif;\n    font-size: 15px;\n    line-height: 1.78;\n    color: #1a1118;\n    margin: 0;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-game-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-game-h2 { font-size: 22px; }\n    .ssw-may-game-grid { grid-template-columns: 1fr; }\n    .ssw-may-game-reveal { padding: 24px 16px 28px; }\n}\n<\/style>\n\n<div class=\"ssw-may-game\">\n    <div class=\"ssw-may-game-inner\">\n\n        <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/2b9ff4df-ca4a-58d1-cfcf-1b2acda88f86.png\" alt=\"Game \u2013 May Edition\" class=\"ssw-may-game-banner\">\n\n        <h2 class=\"ssw-may-game-h2\">Riddle of the Month<\/h2>\n\n        <div class=\"ssw-may-game-riddle\">\n            <p>&#8220;Cricket has it, football has it, and so does your financial year. I&#8217;m the moment to check the score before the second half begins. What am I?&#8221;<\/p>\n        <\/div>\n\n        <div class=\"ssw-may-game-grid\">\n            <div class=\"ssw-may-game-option\">\n                <div class=\"ssw-may-game-letter\">A<\/div>\n                <span class=\"ssw-may-game-option-text\">Annual Financial Planning<\/span>\n            <\/div>\n            <div class=\"ssw-may-game-option\">\n                <div class=\"ssw-may-game-letter\">B<\/div>\n                <span class=\"ssw-may-game-option-text\">Mid-Year Review<\/span>\n            <\/div>\n            <div class=\"ssw-may-game-option\">\n                <div class=\"ssw-may-game-letter\">C<\/div>\n                <span class=\"ssw-may-game-option-text\">Tax Planning Season<\/span>\n            <\/div>\n            <div class=\"ssw-may-game-option\">\n                <div class=\"ssw-may-game-letter\">D<\/div>\n                <span class=\"ssw-may-game-option-text\">Year-End Closing<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"ssw-may-game-reveal\">\n            <p class=\"ssw-may-game-eyebrow\">Previous Edition Answer Reveal<\/p>\n            <p class=\"ssw-may-game-reveal-title\">What&#8217;s missing here?<\/p>\n            <p class=\"ssw-may-game-reveal-body\">A person makes a year-end investment only because it saves tax, without asking whether it suits the goal. <strong>What&#8217;s missing here?<\/strong><\/p>\n            <p class=\"ssw-may-game-reveal-body\"><strong>A.<\/strong> &nbsp; Tax impact<\/p>\n            <p class=\"ssw-may-game-reveal-body\"><strong>B.<\/strong> &nbsp; Goal fit<\/p>\n            <p class=\"ssw-may-game-reveal-body\"><strong>C.<\/strong> &nbsp; Market momentum<\/p>\n            <p class=\"ssw-may-game-reveal-body\"><strong>D.<\/strong> &nbsp; Fast execution<\/p>\n            <div class=\"ssw-may-game-answer\">\n                <p>\u2713 &nbsp; Answer: B \u2014 Goal fit<\/p>\n            <\/div>\n            <div class=\"ssw-may-game-explanation\">\n                <p>Tax benefit matters, but it should not replace financial purpose.<\/p>\n            <\/div>\n        <\/div>\n\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-2708ddbd\">\n<a id=\"footer\" style=\"display:block;position:relative;top:-80px;visibility:hidden;\"><\/a>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Outfit:wght@300;400;500;600;700&display=swap');\n\n.ssw-may-footer {\n    background-color: #faf8f4;\n    width: 100%;\n    box-sizing: border-box;\n}\n.ssw-may-footer-inner {\n    max-width: 600px;\n    margin: 0 auto;\n    background-color: transparent;\n    padding: 0 20px 50px 20px;\n    box-sizing: border-box;\n    text-align: center;\n}\n.ssw-may-footer-disclaimer {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 18px;\n    font-weight: 700;\n    font-style: italic;\n    color: #6e2b6b;\n    margin: 30px 0 16px;\n}\n.ssw-may-footer-body {\n    font-family: 'Outfit', sans-serif;\n    font-size: 11.5px;\n    line-height: 1.75;\n    color: #1a1118;\n    text-align: justify;\n    margin: 0 0 12px;\n}\n.ssw-may-footer-copyright {\n    font-family: 'Outfit', sans-serif;\n    font-size: 10px;\n    font-weight: 700;\n    letter-spacing: 2.5px;\n    text-transform: uppercase;\n    color: #9a6024;\n    margin: 24px 0 28px;\n}\n.ssw-may-footer-follow {\n    font-family: 'Playfair Display', Georgia, serif;\n    font-size: 20px;\n    font-weight: 700;\n    color: #6e2b6b;\n    margin: 0 0 18px;\n}\n.ssw-may-footer-icons {\n    display: flex;\n    justify-content: center;\n    gap: 16px;\n}\n.ssw-may-footer-icons a {\n    display: block;\n    text-decoration: none;\n    border: 0;\n}\n.ssw-may-footer-icons a img {\n    width: 42px;\n    height: 42px;\n    border-radius: 8px;\n    display: block;\n}\n\n@media (max-width: 600px) {\n    .ssw-may-footer-inner { padding: 0 16px 40px 16px; }\n    .ssw-may-footer-body { font-size: 11px; }\n    .ssw-may-footer-icons a img { width: 36px; height: 36px; }\n}\n<\/style>\n\n<div class=\"ssw-may-footer\">\n    <div class=\"ssw-may-footer-inner\">\n\n        <p class=\"ssw-may-footer-disclaimer\">Disclaimer:<\/p>\n\n        <p class=\"ssw-may-footer-body\">This newsletter, Moneylogue, is published by SubhShanti Wealth for informational and educational purposes only. It does not constitute investment advice, a solicitation, or an offer to buy or sell any securities or financial instruments.<\/p>\n\n        <p class=\"ssw-may-footer-body\">Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. The views expressed are based on information available at the time of publication and may change without notice.<\/p>\n\n        <p class=\"ssw-may-footer-body\">SubhShanti Wealth is AMFI Registered Mutual Fund Distributor | ARN Code &#8211; 331663. Please consult your financial advisor before making any investment decisions. The company does not guarantee returns and is not responsible for any financial decisions taken based on this newsletter.<\/p>\n\n        <p class=\"ssw-may-footer-copyright\">\u00a9 2026 SubhShanti Wealth \u00b7 All Rights Reserved<\/p>\n\n        <p class=\"ssw-may-footer-follow\">Follow us on:<\/p>\n\n        <div class=\"ssw-may-footer-icons\">\n            <a href=\"https:\/\/www.facebook.com\/share\/1A66waBjXn\/\" target=\"_blank\" rel=\"noopener\">\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/d5225bc9-9e25-e8d2-8cba-c933b434d86d.jpg\" alt=\"Facebook\">\n            <\/a>\n            <a href=\"https:\/\/www.linkedin.com\/company\/subhshanti-wealth\/\" target=\"_blank\" rel=\"noopener\">\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/c1b6618c-a791-b661-b0cf-f90d3d956d0a.png\" alt=\"LinkedIn\">\n            <\/a>\n            <a href=\"https:\/\/www.youtube.com\/@SubhShantiWealth\" target=\"_blank\" rel=\"noopener\">\n                <img decoding=\"async\" src=\"https:\/\/mcusercontent.com\/5b3f331ff5173b0941e0f1847\/images\/12107b9e-3bfd-7c28-b3dd-9baea35d14bb.png\" alt=\"YouTube\">\n            <\/a>\n        <\/div>\n\n    <\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dear Investor, June arrived with markets finding their footing after a restless few months. For investors who stayed disciplined through that period, the experience has reinforced something worth holding onto: in investing, how you manage your portfolio through uncertainty often matters more than what you hold during the calm. If you have looked at your [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_swt_meta_header_display":false,"_swt_meta_footer_display":false,"_swt_meta_site_title_display":false,"_swt_meta_sticky_header":false,"_swt_meta_transparent_header":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsletter"],"uagb_featured_image_src":{"full":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition.webp",800,450,false],"thumbnail":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition-150x150.webp",150,150,true],"medium":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition-300x169.webp",300,169,true],"medium_large":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition-768x432.webp",768,432,true],"large":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition.webp",800,450,false],"1536x1536":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition.webp",800,450,false],"2048x2048":["https:\/\/subhshantiwealth.com\/sswblog\/wp-content\/uploads\/2026\/06\/newsletter_june-2026-edition.webp",800,450,false]},"uagb_author_info":{"display_name":"Ankit Majumdar","author_link":"https:\/\/subhshantiwealth.com\/sswblog\/author\/ankit\/"},"uagb_comment_info":0,"uagb_excerpt":"Dear Investor, June arrived with markets finding their footing after a restless few months. For investors who stayed disciplined through that period, the experience has reinforced something worth holding onto: in investing, how you manage your portfolio through uncertainty often matters more than what you hold during the calm. If you have looked at your&hellip;","_links":{"self":[{"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/posts\/1825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/comments?post=1825"}],"version-history":[{"count":8,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/posts\/1825\/revisions"}],"predecessor-version":[{"id":1842,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/posts\/1825\/revisions\/1842"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/media\/1838"}],"wp:attachment":[{"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/media?parent=1825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/categories?post=1825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/subhshantiwealth.com\/sswblog\/wp-json\/wp\/v2\/tags?post=1825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}