PeakAlpha Investment

AMFI Registered Mutual Fund Distributor (ARN-27988)

[PeakAlpha Investment @peakalpha]

What does meaningful career success look like?
A fat salary?
A weighty title?
Both?
Is there a single lever that can fast track your career trajectory?
Dipshi Sharma, PeakAlpha’s Associate Vice President was asked by Rahul Pratyush to weigh in.
(Link in chain)

[PeakAlpha Investment @peakalpha]

Link to the full story - https://t.co/mYHTEVgeGM

[PeakAlpha Investment @peakalpha]

A home loan is really like the sword of Damocles hanging over your head. And quite naturally, when you come into large bonus, the dilemma is whether to reduce the loan or invest the bonus amount in equity. While the earlier option would lower your EMI burden (1/3)

[PeakAlpha Investment @peakalpha]

However, the answer is not short and straightforward. In her latest column for Mint, Priya Sunder, our Director and Co-founder, discusses each of these two options for you
https://t.co/KC4Q16ZQVO

[PeakAlpha Investment @peakalpha]

Many people think having a wealth manager means leading a life of austerity and cutting down expenses to create wealth for the future.
Disciplined investing and working with a wealth manager allow you to spend on things that bring you joy while still building wealth for future.

[PeakAlpha Investment @peakalpha]

Over time, high EMIs, rising tenures, and unchecked borrowing can reduce your investible surplus, flexibility, and peace of mind.
Just like you review your investments, it is important to review your debts and how to repay them. (2/2)

[PeakAlpha Investment @peakalpha]

Most people focus on getting a loan approved. Very few review whether the loan still makes sense over time. Unmanaged debt can quietly impact long-term wealth creation.  (1/2)

[PeakAlpha Investment @peakalpha]

While loans can allow you to spend tomorrow’s money today, any disruption in your income stream can make the loan a noose around your neck.
Liabilities need to be reviewed as often as investments. And yes, you can seek a wealth manager’s help to clear your loans.
(3/3)

[PeakAlpha Investment @peakalpha]

A sizeable portion of India’s middle and lower middle class population lives from pay cheque to pay cheque with little or no savings. In some cases, income is high but expenses and liabilities are high too.

(1/3)

[PeakAlpha Investment @peakalpha]

In case of a layoff, a medical emergency or a family crisis, many families find it hard to tide over the crisis and manage their debts. They resort to fresh loans to repay the old one or spiral into a debt trap paying minimum due.
(2/3)

[PeakAlpha Investment @peakalpha]

Growth in personal loans and other unsecured loans were higher than housing, agriculture and business credit. (Source: MoneyControl)

In the presence of an opaque lending system and lack of financial literacy, how many are defaulting on loan repayments?
(3/3)

[PeakAlpha Investment @peakalpha]

India’s household debt in 2025 was higher than a five-year-average. According to the Financial Stability Report by the Reserve Bank of India, India’s average is climbing but still lower than that of China’s at 60% and Malaysia’s at 69%.
(1/3)

[PeakAlpha Investment @peakalpha]

The Report says that “household borrowing patterns have changed with non-housing retail loans, largely taken for consumption, accounting for 55.3% of total household borrowing from financial institutions as of September 2025.

(2/3)

[PeakAlpha Investment @peakalpha]

But if, for any reason, your income stream is disrupted, then that loan becomes a noose around your neck, tightening its grip each day.
In this article, Priya Sunder, PeakAlpha’s Co-founder and Director, writes about how quickly a loan can suck you into a debt vortex.

[PeakAlpha Investment @peakalpha]

Most of us have a loan or two – a housing loan, an education loan, a car loan. Loans allow you to spend tomorrow’s money today. That is not necessarily a bad thing as it lets you fast-track a future lifestyle into the present.(1/2)

Read the column here -> https://t.co/ZJjvhoaljd

[PeakAlpha Investment @peakalpha]

Read more to understand what market swings really mean for your financial journey—and how to respond, not react. (3/3)

[PeakAlpha Investment @peakalpha]

Markets have a way of testing our patience—and our perspective.
This piece by Priya Sunder, PeakAlpha’s Director ad Co-founder, originally published in 2020 as a column in Livemint, feels just as relevant today as it did then.
(1/3)

Link to the column - https://t.co/1EIY2tWeI8

[PeakAlpha Investment @peakalpha]

Sharp corrections, market volatility, and uncertainty can trigger fear—but they also bring opportunity for those who stay the course.
If you’re feeling a sense of déjà vu, you’re not alone. History has shown us that after every downturn, there is recovery. (2/3)