Hi, I’m CA Niraj Dugar, and I help NRIs and Indians simplify financial management, master tax planning, and make smarter investments in mutual funds in India. My goal is to turn complex financial decisions into clear, actionable strategies that help you build and protect your wealth.
If you’re exploring financial planning and analysis, planning for retirement, or just looking to understand financial management and mutual funds, you’ll find everything you need here. With over 200 satisfied clients, I provide personalized advice on NRI investment in India, insurance planning, tax optimization, and wealth creation through Holistic Prime Wealth.
Book a consultation today for a customized financial plan that fits your goals.
Reach out to me at niraj@holisticwealth.in
CA Niraj Dugar | Holistic Prime Wealth
It's rare to think generationally today.
Japan is a great example where generational thinking is a cultural norm. More than 33,000 companies are 100 plus years old. More than 3,000 companies are older than 200 years.
Focusing on maximisation leads to irreversible errors. All these companies weathered all sorts of storms and still remain alive. They have seen wars, recessions, depressions, and natural calamities.
Shifting towards this mindset requires work and resistance to get rich quick schemes.
Why does generational thinking help?
- It allows you to play the long game.
- It reduces errors.
- Similar mindset gets passed on to your kids.
- Helps you focus on things that actually matter.
9 hours ago | [YT] | 6
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CA Niraj Dugar | Holistic Prime Wealth
If there is a fuel price hike, will you consider moving to a EV?
1 week ago | [YT] | 2
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CA Niraj Dugar | Holistic Prime Wealth
FIIs should learn from Indian investors.
They are not investing in India because taxes are high.
Indians are sending money outside India with the knowledge that there is 40% inheritance tax above $60,000.
1 week ago | [YT] | 6
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CA Niraj Dugar | Holistic Prime Wealth
Prashant Jain, in a CNBC and Dezerve event yesterday, said multiples will improve by 10-15% plus 11% gdp growth in next 3 years. Nifty could compound at 14% next 3 years.
Most of us will find it hard to believe.
What are the data points?
1. Private banks are trading at low valuations and higher yields compared to fixed income yields.
2. Corporate India is deleveraged, balance sheets very clean.
3. Real growth expected to stay at 6–7% over the next decade, featuring some of the lowest growth volatility in the world.
4. As a contrarian, he says the best time to buy India is when foreigners are selling.
5. Rise in blue collar wages is a structural shift and bodes well for the broader economy. It is expanding the consumption good which will have positive impact.
1 week ago | [YT] | 5
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CA Niraj Dugar | Holistic Prime Wealth
I am personally positive on the Indian markets despite all the gloom and doom.
Two ways to invest today in the Indian markets -
1. Go contrarian and buy cheap large caps. They will definitely bonce back.
2. Go where the trend is - earnings have started improving the broader markets, and buy small and mid caps.
Where am I?
60% in large caps, rest in small and mid caps. All through actively managed funds.
Global allocation is very low at the moment.
1 week ago | [YT] | 5
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CA Niraj Dugar | Holistic Prime Wealth
Instead of getting carried away with narratives, read financial history.
The more you read, the better it going to be for your long term financial health. You will add filters to what you read on social media and it will help you make better financial decisions.
1 week ago | [YT] | 6
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CA Niraj Dugar | Holistic Prime Wealth
When you invest in equity with a decadal time horizon, try to compare the current drawdowns that you see with your future net worth. It will be extremely small.
We exaggerate the current market drawdowns based on our current net worths but dont realise that its a small part of the future corpus that one will create for themselves.
2 weeks ago | [YT] | 6
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CA Niraj Dugar | Holistic Prime Wealth
Will you continue to buy physical gold at duty adjusted prices plus GST plus making charges?
2 weeks ago | [YT] | 4
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CA Niraj Dugar | Holistic Prime Wealth
One thing that nobody realises -
If you are consistently an average performer but for longer than everyone, you will end up ranking on top of charts.
3 weeks ago | [YT] | 9
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CA Niraj Dugar | Holistic Prime Wealth
Between two identical clients with similar net worth and income, I can say with certainty that one will beat the other on a 20 year time frame. Lets call them A and B.
Reasons why will A outperform B -
1. A has been consistent with sip and has increased with rise in income. Other hasn't.
2. A has invested lumpsums as and when available. B keeps thinking and delaying.
3. A never looks at social media so doesnt get carried away with noise.
4. A has complete focus on job and increasing income. B wants higher returns.
We dont realise but our behavior does the heavy lifting in generating long term returns. On longer time frames, consistently alone brings us on top of charts.
All we have to do is understand simple ideas and take them seriously.
3 weeks ago | [YT] | 5
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