As someone hailing from a community of merchants, while growing up in a joint family, my ideas developed amidst dinner table discussions that often veered towards money matters. My initial exposure to cash management was through my father’s diamond polishing business. The tradition of passing down wisdom to handle money and achieve monetary growth in business during my formative years also gave me a strong intuitive sense of how to invest money. I also keenly observed that market prices influenced one’s decision to invest in, say, gold and real estate just as my father did to derive long-term benefits. I opted to study commerce and further on, completed my graduation with a specialization in Banking and Insurance, in which I also learned about business, management, finance and economics.
During my graduation, I developed curiosity about the changing stock prices on the ticker and read a lot of material on the subject to gain clarity. I found The Most Important Thing by Howard Marks a great read, from which I learned the importance of second-level thinking and risk management. During the final year of graduation, I worked on a project titled ‘Investment Options in India’. I delved into the topic by charting the evolution of traditional as well as upcoming investments avenues available to the general public. Investment options like Fixed Deposit, PPF, Mutual Funds, Hedge Funds, Peer-to-Peer lending, Commodities, etc. are explained in this project. I learned about the mentioned investment options in greater detail and also the importance of risk tolerance. During the course of this project, I also conducted descriptive research, which gave me insights into the varying preferences of people with different expectations and experiences. To augment my understanding of finance, I opted to pursue CFA, and currently, I am a CFA level 2 candidate.
Continuing my fascination with investment analysis, after completing CFA level 1, I joined Chheda Vyas & Associates as a Junior Accounting Associate (2020-2021). My role required me to finalize and audit financial statements like Balance Sheet, Cash flow statement, and filing income tax returns for individuals and partnership firms. Given my work profile, I gained very meaningful insights into analyzing financial statements of various types of entities, which further strengthened my analytical ability.
Earning a Master’s degree in finance will enable me to understand the basic tenets of finance and investment management. This course will equip me with knowledge and skills in Equity Research and Financial Analysis, which will prove to be of paramount importance going ahead in my career in investment management.
To build a robust skillset, I am currently pursuing a course Financial Modeling and Valuation from the Corporate Finance Institute. Also, I have completed a course on Lean Six Sigma methodology which sheds light on the operations side of a business as the DMAIC methodology allows one to focus on critical aspects through different stages of analysis for improvement.
My interest in psychology and economics has led me to seek new developments in various national and global events. Also, I regularly update myself on topics related to behavioral finance as it helps in understanding perceptions in investing and the implications for a market increasingly influenced by psychological factors. To cement my understanding of the topic, I’ve done a course on Behavioral Finance, which has given me insights about various types of biases like Endowment Effect, Conservatism, etc. , and how to avoid them.
Financial institutions in the United Kingdom have laid down many important fundamentals in modern finance. The establishment of the Bank of England and the London Stock Exchange are examples of the country being at the forefront of capitalism with a highly developed and robust financial system.
From an academic perspective, UK offers a Master’s program with a shorter duration compared to other countries and draws on a broad-based curriculum that drills down into subject-specific electives. The instruction method which focuses on interactive sessions, knowledge-sharing, and case-based analysis offers the best way to learn. Also, the prospect of studying in an inclusive environment is exciting to me as it will enhance my understanding of people and their perspectives and work culture.
My ability to adapt to changing environment coupled with strong social skills will help me assimilate into the university environment as well as in my career. With the knowledge and exposure gained, I will be firmly committed to the best practices in investment and finance at large. As a finance professional, I would like to build long term wealth-enhancing plans along with customized strategies that offer higher returns with higher efficiency.
As someone
hailing
from a community of merchants, while growing up in a joint family, my
ideas
developed amidst dinner table discussions that
often
veered towards money matters. My initial exposure to cash
management
was through my father’s diamond polishing
business
. The tradition of passing down wisdom to handle money and achieve monetary growth in
business
during my formative years
also
gave me a strong intuitive sense of how to invest money. I
also
keenly
observed that market prices influenced one’s decision to invest in, say, gold and real estate
just
as my father did to derive long-term benefits. I opted to study commerce and
further
on, completed my graduation with a specialization in Banking and Insurance, in which I
also
learned about
business
,
management
,
finance
and economics.
During my graduation, I developed curiosity about the changing stock prices on the ticker and read
a lot of
material on the subject to gain clarity. I found The Most
Important
Thing by Howard Marks a great read, from which I learned the importance of second-level thinking and
risk
management
. During the final year of graduation, I worked on a project titled
‘Investment
Options in India’. I delved into the topic by charting the evolution of traditional
as well
as upcoming
investments
avenues available to the
general public
.
Investment
options like
Fixed
Deposit,
PPF
, Mutual Funds, Hedge Funds, Peer-to-Peer lending, Commodities, etc. are
explained
in this project. I learned about the mentioned
investment
options in greater detail and
also
the importance of
risk
tolerance. During the
course
of this project, I
also
conducted descriptive research, which gave me insights into the varying preferences of
people
with
different
expectations and experiences. To augment my
understanding
of
finance
, I opted to pursue CFA, and
currently
, I am a CFA level 2 candidate.
Continuing my fascination with
investment
analysis
, after completing CFA level 1, I
joined
Chheda
Vyas
& Associates as a Junior Accounting Associate (2020-2021). My role required me to finalize and audit
financial
statements like Balance Sheet, Cash flow statement, and filing income tax returns for individuals and partnership firms.
Given
my work profile, I gained
very
meaningful insights into analyzing
financial
statements of various types of entities, which
further
strengthened my analytical ability.
Earning a Master’s degree in
finance
will enable me to understand the basic tenets of
finance
and
investment
management
. This
course
will equip me with knowledge and
skills
in Equity Research and
Financial
Analysis
, which will prove to be of paramount importance going ahead in my career in
investment
management.
To build a robust
skillset
, I am
currently
pursuing a
course
Financial
Modeling and Valuation from the Corporate
Finance
Institute.
Also
, I have completed a
course
on Lean Six Sigma methodology which sheds light on the operations side of a
business
as the DMAIC methodology
allows
one to focus on critical aspects through
different
stages of
analysis
for improvement.
My interest in psychology and economics has led me to seek new developments in various national and global
events
.
Also
, I
regularly
update myself on topics related to behavioral
finance
as it
helps
in
understanding
perceptions in investing and the implications for a market
increasingly
influenced by psychological factors. To cement my
understanding
of the topic, I’ve done a
course
on Behavioral
Finance
, which has
given
me insights about various types of biases like Endowment Effect, Conservatism, etc.
,
and how to avoid them.
Financial institutions in the United Kingdom have laid down
many
important
fundamentals in modern
finance
. The establishment of the Bank of England and the London Stock Exchange are examples of the country being at the forefront of capitalism with a
highly
developed and robust
financial
system.
From an academic perspective, UK offers a Master’s program with a shorter duration compared to other countries and draws on a broad-based curriculum that drills down into subject-specific electives. The instruction method which focuses on interactive sessions, knowledge-sharing, and case-based
analysis
offers the best way to learn.
Also
, the prospect of studying in an inclusive environment is exciting to me as it will enhance my
understanding
of
people
and their perspectives and work culture.
My ability to adapt to changing environment coupled with strong social
skills
will
help
me assimilate into the university environment
as well
as in my career. With the knowledge and exposure gained, I will be
firmly
committed to the best practices in
investment
and
finance
at large. As a
finance
professional, I would like to build long term wealth-enhancing plans along with customized strategies that offer higher returns with higher efficiency.
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