Hari Om Tripathi

I am an engineer by chance & a Personal Financial Planner by choice. Currently residing in Kanpur & writing full time for Financial Kundali.

It all began in early 2010 when I was pursuing my M.B.A. in Finance. A Life Insurance agent came to our home & pitched a policy. The agent told me the in & out of the policy but was not able to answer my few simple questions like:

# What is the actual rate of interest

# Why a person with zero liabilities would need this policy

# Why to go for a policy when we can buy an online insurance plan at much cheaper rate.

I was totally confused. The idea of buying the policy was dropped & I began my research. I approached few more agents of some other life insurance companies but none were able to answer my questions & their main concern was to sell their product. Finally, i decided to read the fine prints of the policy & understand how it works.

Mis-selling by agents is so common these days. Seeing the huge disconnect between what people need & what agents sell, I decided to bridge the gap and started writing a blog on various financial products. During this tenure I completed my certifications from Financial Planning Standards Board of India in:

# Retirement Planning

# Tax Planning

# Insurance Planning

# Investment Planning.

To further enhance my knowledge in Mutual Fund & Insurance Products, i completed certification courses from:

# Association of Mutual Funds in India (AMFI)

# Insurance Regulatory & Development Authority(IRDA)

With the Sole AIM of making people "financially literate", I shall keep updating on various financial products offered by the Insurance & Mutual Fund industry.

In case you have any query on Personal Financial Planning or confusion regarding any financial product, feel free to drop a mail at financialkundali@gmail.com

We at Financial Kundali will help you choose what's best for you & will always be on your side while selecting a Financial Product.

Happy Investing