CFP focuses on personal financial planning including retirement, estate, tax planning, and investment for individuals, while CFA centres on investment management and analysis for institutions and high-net-worth individuals.
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Popular Posts
Why Asset Allocation, Not Fund Selection, Decides Most of Your Returns
Every batch I teach in Ahmedabad, the same thing happens in the first week. A student, usually someone already working as an MFD or a bank RM, asks me some version of: “Sir, which is the best fund right now?” I ask them back: “Best for whom? For what goal? Held in what proportion, next […]
Should You Study Financial Planning Just to Manage Your Own Money?
Here is a situation I hear described almost every month, usually by someone who has done well in life and badly in meetings. Say you are a 45-year-old business owner in Ahmedabad. Your bank relationship manager says the market is risky right now and suggests a “guaranteed” insurance-linked plan. Your mutual fund distributor says equity […]
Best Course After 12th Commerce or B.Com: CA, CFA, CFP, CS, MBA and NISM, Compared Honestly
Every year around results season, my inbox fills up with the same question, asked two ways. From students: “Sir, 12th commerce ho gaya, ab kya karun?” From parents: “Beta B.Com kar raha hai, uske saath kaunsa course best rahega?” Here is the uncomfortable truth I share over chai with every one of them. There is […]
How CFPs Look at Mutual Funds Differently: Five Checks Most Investors Never Run
Ask a friend why he bought his latest mutual fund and you will usually get one of three answers. It gave 40% last year. It has five stars on some app. Or the most honest one: someone in the office WhatsApp group said it’s good. India’s mutual fund industry crossed ₹87 lakh crore in assets […]