The required passing mark for the CFP® exam is determined by a standard of minimum competency established by CFP® boards. While FPSB India has not officially confirmed, achieving a score of around 65% is generally considered sufficient to pass the CFP examination.
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CFP vs CWM: An Honest Comparison for Indian Advisors (2026)
If you work in Indian financial services, someone has probably pitched you both of these in the same week. A colleague at the bank swears the Chartered Wealth Manager (CWM) got him his private banking role. A planner you follow on LinkedIn has CFP after her name and says nothing else compares. Both cost real […]
The Retirement Corpus Maths Planners Actually Use: Beyond the 25x Rule
Ask ten people how big a retirement corpus should be and you will hear the same answer ten times: 25 times your annual expenses. It is a tidy number, easy to remember, and it fits in a WhatsApp forward. Almost nobody in that forward chain can answer the three obvious follow-up questions. Where does the […]
Which NISM Certification Do You Actually Need? The Full List, Mapped to Real Jobs
Every week someone walks into my classroom or messages me with the same confusion. “Sir, I want to get into finance. Should I do NISM?” And when I ask “which NISM?”, the answer is usually a blank look. Or worse, “all of them.” I understand why. The official NISM list has over 30 examinations, named […]
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 […]