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    1. Business News
    2. Authors
    3. chinmayee p kumar

    Chinmayee P Kumar

    Introduction

    Chinmayee P Kumar is a finance-focused content professional with a sharp eye for investor communication and storytelling. She specializes in simplifying complex investment topics across equity research, personal finance, and wealth management for a diverse audience from first-time investors to seasoned market participants. With over four years of experience in…Read More

    Author's image

    Chinmayee P Kumar is a finance-focused content professional with a sharp eye for investor communication and storytelling. She specializes in simplifying complex investment topics across equity research, personal finance, and wealth management for a diverse audience from first-time investors to seasoned market participants.

    With over four years of experience in the financial services industry, Chinmayee has worked at the intersection of research, product, and marketing. At Share.Market by PhonePe, she helped shape the content strategy for innovative stock and ETF basket offerings. Her work spanned product walkthroughs, SEO-led blogs, explainer videos, and user education crafted to make investing more accessible and actionable.

    Earlier, at SBICap Securities, she advised clients on retail investment strategies and onboarded new traders and investors, blending advisory insights with investor education. During her freelance years, she wrote extensively on wealth management, personal finance, trading/investing psychology, and sustainable finance (with a focus on France and Italy), and co-developed training content for financial analysts.

    Chinmayee holds a PGPSM from the National Institute of Securities Markets (NISM) and a BBA in Finance from Bangalore University. She brings a research-backed, user-first lens to every piece she creates translating finance into language that informs, empowers, and connects.

    Core Areas: Investment Products, Equity Research, Financial Education, Financial markets, Personal Finance, Wealth Management

    Educational Qualifications: PGPSM – NISM, BBA – Finance
    Experience with: Share.Market by PhonePe, SBICap Securities

    Author's image
    Chinmayee P Kumar Social Media Profile
    • linkdinLinkedin
    By Chinmayee P Kumar
    FOMO & the comparison trap: How to build an investing system that outsmarts your emotions. (Image Source: Gemini)
    Why your friends keep winning in stocks (and why they might be lying)

    Retail investors often react to what others show, not to what the market signals. This piece breaks down the psychology…

    By Chinmayee P Kumar
    December 11, 2025 05:30 IST
    IQ vs. ROI: Why smart professionals make ‘dumb’ money mistakes

    Smart investors slip not because they lack knowledge but because confidence grows faster than clarity. Here is how to see…

    By Chinmayee P Kumar
    December 6, 2025 05:30 IST
    Purpose mapping: Reconnecting your money to your life's goals. (Image Source: Canva)
    “I don’t know what I’m investing for” – The silent trap 90% of savers fall into

    Even the most consistent investors often feel no emotional link to their goals. When investing becomes mechanical, progress feels strangely…

    By Chinmayee P Kumar
    Updated: November 30, 2025 17:08 IST
    What do quants know that you don’t? Inside the models that turn market ‘noise’ into profit

    Quants change noisy market data into signals. They use factor models, statistical filtering, and back testing. Then, they execute trades…

    By Chinmayee P Kumar
    November 18, 2025 05:30 IST
    personal finane investment
    Too informed to invest: The confidence crash no one talks about

    You wanted financial freedom. What you got was anxiety disguised as financial education. Too much information destroys conviction faster than…

    By Chinmayee P Kumar
    November 9, 2025 05:30 IST
    The paralysis of choice: Why 2,300+ mutual funds stop Indians from investing. (This is an AI generated image)
    Too many funds, too little sense: How overthinking can kill your returns

    Faced with hundreds of mutual funds, investors often freeze. Inaction might feel safe, but it quietly erodes returns and long-term…

    By Chinmayee P Kumar
    November 1, 2025 05:10 IST
    money insight
    Is your 12% return fantasy wrecking your portfolio?

    When I set a fixed target, I thought it was discipline. It turned into self-sabotage. Learn why your “return goals”…

    By Chinmayee P Kumar
    October 27, 2025 05:30 IST
    You read every good review. That’s exactly why you lost money

    You thought your mutual fund was a winner because everyone said so. You skipped the red flags, and now you’re…

    By Chinmayee P Kumar
    October 24, 2025 05:30 IST
    The psychology of revenge trading: Why 91% of traders lose money & how to break the spiral. (Image Source: Gemini)
    91% of traders lose money. The reason isn’t bad luck—it’s this mental trap

    After a big loss, traders often chase quick wins to recover. The urge to recover losses can push you to…

    By Chinmayee P Kumar
    October 20, 2025 05:30 IST
    Stop buying clone funds: The mutual fund overlap trap that kills real diversification.
    Are you accidentally doubling down on the same 10 stocks via different mutual funds?

    Owning 5 mutual funds doesn’t make you diversified. It might just mean you’re betting 5 times on the same 10…

    By Chinmayee P Kumar
    October 10, 2025 05:25 IST
    loan, money, home loan, banks, bank loan, Reddit, mutual fund, ELSS
    The high-salary trap: A Redditor’s viral story about a Rs 1.2 cr loan is a wake-up call

    A man in his 30s took a Rs 1.2 Cr loan. The result? No breathing room, no safety net, no…

    By Chinmayee P Kumar
    July 29, 2025 05:00 IST
    sip, money, bitcoin, real estate, retail, crypto, finance, financials
    This man turned $54,000 into $9.6 Billion. And then walked away. Could you?

    A crypto whale just exited with $9.6 billion in Bitcoin, reminding us that wealth isn’t about numbers. It’s about knowing…

    By Chinmayee P Kumar
    July 22, 2025 05:10 IST
    SIP portfolio
    4 red flags that signal it’s time to re-evaluate your SIP portfolio

    You’ve been told SIPs are safe, smart, and set-and-forget. But what if your SIP habit is quietly sabotaging your goals?…

    By Chinmayee P Kumar
    July 20, 2025 05:30 IST
    SIP, money, mutual funds, retirement, fixed deposits, LIC,
    ‘He Retired at 45 With ₹4.7 Crore Without Side Hustles or Stock Tips’

    From Reddit’s trenches came a story that burned through delusions—₹4.7 crore, early retirement, and no magic formula. Just ruthless clarity…

    By Chinmayee P Kumar
    July 19, 2025 05:25 IST
    The Dinner Table Economy: Why Financial Literacy for Your Kids Can't Wait. (Image Source: Canva)
    The Dinner Table Economy: Why teaching your kids about money can’t wait anymore

    Most Indian kids grow up never hearing about budgeting, EMIs, or SIPs at home. This piece shows why that silence…

    By Chinmayee P Kumar
    July 14, 2025 05:30 IST
    ‘I am fired and here’s my financial situation’ - This Delhi Man’s Finances Are a Masterclass in Freedom
    ‘I am fired and here’s my financial situation’ – This Delhi Man’s Finances Are a Masterclass in Freedom

    Fired at 36, a Delhi man rejects the rat race, breaks down his finances, and chooses peace over pressure, offering…

    By Chinmayee P Kumar
    Updated: July 19, 2025 08:06 IST
    investment, money, mutual fund, SIP, market, finance, DCF models
    Rs 1 crore in Mutual Funds by 33: One man’s journey that redefines ‘easy money’

    He didn’t win the lottery or time the market. He stuck to three mutual funds, automated his SIPs, and tuned…

    By Chinmayee P Kumar
    July 7, 2025 05:15 IST
    SIP Instalments, money, amfi, AMCs, RTAs, SIP Stoppage Ratio
    5 reasons you should never skip an SIP instalment

    Every skipped SIP instalment silently dismantles your future goals. Here’s what really happens and what you can do to protect…

    By Chinmayee P Kumar
    July 5, 2025 05:15 IST
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