BFC Capital successfully conducted its 290th Quality Circle Program at Babasaheb Bhimrao Ambedkar University (BBAU), Lucknow, on 18th August 2025. The session, led by our Senior Wealth Manager, Mr. Sparsh Awasthi, was a remarkable success—focusing on spreading financial awareness and fostering a healthy, insightful interaction with the esteemed faculty members. The event highlighted the importance of financial literacy and responsible investing for long-term prosperity.
I am only 25, why should I begin investing now when I have decades ahead of me?
Because time is the only investing advantage you can’t buy back. Rs 10,000 invested at 26 at 12% annual returns becomes roughly Rs 3 lakh by 55. Wait till 36 to start, and that same Rs 10,000 becomes just Rs 1 lakh. Compounding rewards the early starters.
There are so many investment options, how do I even choose?
Don’t choose one; that’s the whole point of diversification. However, that choice depends on your financial goals, risk appetite, and time horizon—that’s where we truly assist you.
My parents kept money in an FD for their whole life, and they turned out fine. Why can’t I do the same?
Inflation has changed the math. Thirty years ago, an FD at 10-12% actually beat inflation comfortably. Today, with FD rates around 6-7% and inflation eating 5-6%, your real returns are nearly zero. What worked for your parents’ generation may quietly be shrinking your wealth today.
How do I know if a financial advisor is genuinely helping me or just selling me something?
First, check if they are SEBI-registered. Second, see if they are asking you about your financial goals, risk appetite, and time horizon to offer you suitable guidance rather than just suggesting their product. If yes, then that’s your sign to trust that advisor.
