Finogent Insights

Rajat Dhar | The Money Sage
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  • Investing

Wealth, explained the way a portfolio manager would. Finogent Insights is hosted by Rajat Dhar, Managing Partner at Finogent Solutions LLP, a multi-family office in Gurugram. Each episode takes one real financial decision and works through it with published data and a framework you can apply the same evening. No product pitches. No price predictions. No tips. The feed carries six series: Brick & Balance Sheet — real estate, run like a portfolio. For families whose balance sheet is mostly property. The Founder's Ledger — for founders, CXOs and senior leaders whose wealth sits in one company. ESOPs, RSUs, concentration and liquidity events. The Income Years — wealth that pays you, for life. For families who are retired or close to it, including defence families. The Cross-Border Desk — one family, two economies. For NRIs managing money across India and where they live. Factory to Family Office — turning business success into lasting family wealth. For MSME owners and promoters. The Allocator's Chair — extended conversations with the fund managers, category builders and practitioners who shape India's private markets and alternatives. Every figure is attributed and dated. Where an example is illustrative, we say so. Finogent Solutions LLP is an Authorised Person of SMC Global Securities Ltd (SEBI INZ000199438), Rajat Dhar is a Mutual Fund Distributor (AMFI ARN-84353), a PMS and AIF Distributor (APMI APRN04196), and a HRERA-registered real estate agent (RC/HARERA/GGM/4708/4303/2026/743). For investor education only. Not investment advice, research, or a solicitation of any product, and no specific fund, scheme or issuer is named. Investments in securities markets are subject to market risks. Real estate investments are illiquid and carry market-cycle, developer-execution and land-title risk. Past performance does not indicate future results. Full disclosures: finogent.com/disclosures

Episodes

  1. Oct 10

    Property Rich, Yield Poor | Brick & Balance Sheet, Episode 1

    Most Indian families hold more wealth in property than in everything else combined. Very little of it is measured. There is no red number on a phone screen when a flat underperforms, so nobody notices. This is the first episode of Brick & Balance Sheet, where property gets looked at the way a portfolio manager would look at it. What we get into: - Why a ₹4 crore flat can be earning under 3%, and how to work out what yours actually earns - ₹10 crore of idle property is roughly ₹60 lakh a year you are never paid - the cost that never shows up anywhere - Gurugram home sales fell 33%. Whether that is a crash, or something slower and more uncomfortable - Own a ₹20 crore home? What an exit really costs, and why it can take three and a half years - Home, Earner, Grower or Sleeper - a ten-minute audit of everything you own - Three property myths that cost families crores - Five questions to ask before your next property cheque No project pitches, no price predictions, no developer names. The numbers and how to read them. What to do with the answer is a conversation, and that one is best had directly. Brick & Balance Sheet is a Finogent Insights series. Real estate, run like a portfolio. Watch this episode, and the rest of the series, on YouTube: https://youtube.com/playlist?list=PLesQAxYGU8bA Rajat Dhar is Managing Partner at Finogent Solutions LLP and a HRERA-registered real estate agent (RC/HARERA/GGM/4708/4303/2026/743). Verify any Haryana project at haryanarera.gov.in. For investor education only. Not investment advice, and not a solicitation of any project or property. Real estate is illiquid and carries market-cycle, developer-execution and land-title risk. Yield and price figures quoted are from published market data and are illustrative, not a valuation of your asset. Past appreciation of any location does not indicate future results. Full disclosures: finogent.com/disclosures Finogent Solutions LLP, B3, 3rd Floor, SCO 47, M3M 113 Market, Sector 113, Gurugram, Haryana 122017.

  2. Oct 8

    One Company Rich | The Founder's Ledger, Episode 1

    One company pays your salary. The same company holds most of your net worth, through ESOPs or RSUs. And the loan on your house is backed by those same shares. That is one risk, counted three times - and on a normal Tuesday it looks like success. This is the first episode of The Founder's Ledger, for founders, CXOs and senior leaders whose wealth sits inside a single company. What we get into: - Why 5% of Indian companies produced 92% of the wealth, and what that means if you work at one of them - Four in ten listed stocks fell 70% and never recovered - the ones nobody writes case studies about - The margin-call maths when you have borrowed against your own shares - Why your RSU tax is already paid, and why holding on afterwards is a fresh decision, not a continuation - The half test: if the stock halved tomorrow, how long could your family carry on unchanged - Five questions to ask before your next vesting date No stock calls, no predictions. Published data and a framework you can run on your own numbers this evening. What you do about it is a conversation, and we are happy to have it. The Founder's Ledger is a Finogent Insights series. For leaders whose wealth sits in one company. Watch this episode, and the rest of the series, on YouTube: https://youtube.com/playlist?list=PLFuAmtQQ3sIg Rajat Dhar is Managing Partner at Finogent Solutions LLP, an Authorised Person of SMC Global Securities Ltd (SEBI INZ000199438), a Mutual Fund Distributor (AMFI ARN-84353) and a PMS/AIF Distributor (APMI APRN04196). For investor education only. Not investment advice, research, or a solicitation of any product, and no specific security or fund is named. Nothing here is a recommendation to buy, sell or hold any share, including your employer's. Investments in securities markets are subject to market risks. Past performance does not indicate future results. Tax treatment depends on your individual circumstances - consult your own tax adviser. Full disclosures: finogent.com/disclosures Finogent Solutions LLP, B3, 3rd Floor, SCO 47, M3M 113 Market, Sector 113, Gurugram, Haryana 122017.

  3. Oct 7

    The Pre-IPO Decade | The Allocator's Chair, Episode 4

    Three seats at one table: a private equity manager, a wealth desk, and an allocator, on growth and pre-IPO equity in an Indian portfolio. Guests: Umesh Agrawal, Managing Partner for private equity at Carnelian Asset Management, and Aastha Gautam, Senior Wealth Manager at Nuvama Wealth. Host: Rajat Dhar. 00:00 The room you were never in 03:54 Where the category sits today 06:28 What actually changed 08:45 The discipline of selection 12:34 The misconception to correct 13:57 Promoter quality and diligence 16:23 Where the return comes from 18:08 Froth versus discipline 19:02 The distributor's dilemma 24:24 How it reaches a portfolio 27:43 Sizing and illiquidity 31:10 The risks investors underprice 34:33 Wealth is built illiquid 36:06 The family-office chair 39:34 The question nobody asks 41:24 The close All figures are as stated by the speakers. Investor education only, not investment advice. No fund, product or issuer is named or recommended. Figures are as stated by the speakers and are not independently verified. Finogent Solutions LLP, Authorised Person of SMC Global Securities (SEBI INZ000199438). AMFI ARN-84353 (EUIN 069828) | APMI APRN04196 (EUIN E06147). finogent.com/disclosures

  4. Oct 6

    Private Credit with Sanket Sinha | The Allocator's Chair, Episode 1

    Equity markets have been volatile, fixed deposits are barely keeping pace with inflation, and a lot of Indian family money is sitting in the gap between the two. Private credit is what a growing number of family offices have moved into. Almost nobody explains what it actually is. In this first episode of The Allocator's Chair, Rajat Dhar sits down with Sanket Sinha of Lighthouse Canton - a man who allocates this money for a living - and asks the questions an investor would actually ask. What we get into: - What private credit really is, in plain language, and who is on the other side of the loan - Why India's private credit market is growing the way the US market did, and where the two differ - Whether it genuinely diversifies away from equity, or only looks that way until a bad year - How these funds are structured, where leverage sits, and what that does to your risk - The questions to ask before you put a rupee in This is a conversation about how the money works, not a recommendation to put yours anywhere. If it raises a question about your own portfolio, that is a conversation to have with us directly. The Allocator's Chair is a Finogent Insights series. Conversations from the allocator's side of the table. Watch this episode, and the rest of the series, on YouTube: https://youtube.com/playlist?list=PLT4z1FlCcpjY Rajat Dhar is Managing Partner at Finogent Solutions LLP, an Authorised Person of SMC Global Securities Ltd (SEBI INZ000199438), a Mutual Fund Distributor (AMFI ARN-84353) and a PMS/AIF Distributor (APMI APRN04196). For investor education only. Not investment advice, research, or a solicitation of any product, and no specific fund or scheme is recommended. Views of the guest are the guest's own. Investments in securities markets are subject to market risks. Private credit and AIF strategies carry credit, concentration and liquidity risk and are not suitable for every investor. Past performance does not indicate future results. Full disclosures: finogent.com/disclosures Finogent Solutions LLP, B3, 3rd Floor, SCO 47, M3M 113 Market, Sector 113, Gurugram, Haryana 122017.

  5. Oct 3

    Your Pension Is Not a Plan | The Income Years, Episode 1

    At 60, the average Indian lives 18.4 more years. Half of us live longer. So retirement isn't a holiday. It's a thirty-year project. Most families go into it with two things: a pension and a pile of fixed deposits. That's income. It isn't a plan. This is the first episode of The Income Years, for families who are retired or close to it, including defence and government families. What we get into: - Why medical costs, rising about 11.5% a year, double in just over six years - Why a 7% senior citizen FD in the 30% bracket earns almost nothing after tax and inflation - The family pension cliff: 30% of last pay, against a pension of about half - Why a ₹1,000-a-month EPS pension means your savings are your pension, and the new NPS exit rules - The Three-Tank Income Engine: Floor, Bridge and Growth, with a Shield around all three - The 33% problem: why a market fall early in retirement hurts the most - Three tests every retired family should run: Floor, Spouse and Inflation - Five questions before you lock your money anywhere No product pitches, no predictions. Published data and a framework you can run on your own family's numbers this evening. How to fix it for your family is a conversation, and we're happy to have it: WhatsApp 95604 89579. We take ten reviews a week, in the order requests come in. Watch the full episode on YouTube: https://youtu.be/vbJOmeHS8mg The Income Years is a Finogent Insights series. Wealth that pays you, for life. Rajat Dhar is Managing Partner at Finogent Solutions LLP, an Authorised Person of SMC Global Securities Ltd (SEBI INZ000199438), a Mutual Fund Distributor (AMFI ARN-84353) and a PMS/AIF Distributor (APMI APRN04196). For investor education only. Not investment advice, research, or a solicitation of any product, and no specific security or fund is recommended. Couple B and all worked examples are illustrative, not client data and not projections. Investments in securities markets are subject to market risks. Interest rates on government schemes and deposits are subject to change. Past performance does not indicate future results. Tax and pension rules are summarised in general terms as of September 2026; consult your own tax adviser. Full disclosures: finogent.com/disclosures Finogent Solutions LLP, B3, 3rd Floor, SCO 47, M3M 113 Market, Sector 113, Gurugram, Haryana 122017.

  6. 09/19/2025

    Hot Product | Dubi Property Market 2025 | Everything You Need to Know (Rental Yields, Taxes, Visas)

    Takeaways Dubai's real estate market is experiencing unprecedented growth driven by international investment.Indian investors are the largest foreign buyer group in Dubai's property market.Dubai offers significantly higher rental yields compared to major cities in India and globally.The tax-free environment in Dubai enhances net returns for real estate investors.Dubai's infrastructure projects are boosting property values and attracting more investors.The city is becoming a global safe haven for real estate investments.Dubai's lifestyle and residency benefits make it an attractive destination for expatriates.The Indian community in Dubai is large and vibrant, providing a sense of belonging for investors.Investors can enjoy long-term residency options linked to property purchases in Dubai.Dubai's real estate market is positioned for sustained appreciation and growth. Summary This conversation delves into the booming Dubai real estate market, highlighting its appeal to investors, particularly from India. It covers market trends, financial advantages, tax benefits, and the vibrant lifestyle that Dubai offers. The discussion emphasizes the high rental yields, the absence of taxes on rental income, and the potential for capital appreciation. Additionally, it explores the growing Indian investor community in Dubai and the lifestyle perks that come with investing in this cosmopolitan city. Overall, the conversation presents Dubai as a premier investment destination with robust growth prospects. Chapters 00:00 Introduction to Dubai's Real Estate Market 01:21 Unprecedented Growth and Investment Trends 04:34 High Rental Yields and Financial Advantages 08:01 Tax-Free Investment Environment 10:20 Repatriation and Financial Benefits 12:21 Capital Appreciation Potential 14:37 Global Investor Confidence and Infrastructure Development 18:05 Lifestyle and Residency Benefits 21:30 Indian Investors Leading the Charge 25:49 Community and Comfort for Indian Investors 28:27 Portfolio Diversification and ROI 31:50 Conclusion: Dubai as a Premier Investment Destination Disclaimer This video is for educational and informational purposes only. It is not intended as financial, tax, or legal advice. Viewers should consult qualified professionals before making investment decisions.

  • 6 Episodes

About

Wealth, explained the way a portfolio manager would. Finogent Insights is hosted by Rajat Dhar, Managing Partner at Finogent Solutions LLP, a multi-family office in Gurugram. Each episode takes one real financial decision and works through it with published data and a framework you can apply the same evening. No product pitches. No price predictions. No tips. The feed carries six series: Brick & Balance Sheet — real estate, run like a portfolio. For families whose balance sheet is mostly property. The Founder's Ledger — for founders, CXOs and senior leaders whose wealth sits in one company. ESOPs, RSUs, concentration and liquidity events. The Income Years — wealth that pays you, for life. For families who are retired or close to it, including defence families. The Cross-Border Desk — one family, two economies. For NRIs managing money across India and where they live. Factory to Family Office — turning business success into lasting family wealth. For MSME owners and promoters. The Allocator's Chair — extended conversations with the fund managers, category builders and practitioners who shape India's private markets and alternatives. Every figure is attributed and dated. Where an example is illustrative, we say so. Finogent Solutions LLP is an Authorised Person of SMC Global Securities Ltd (SEBI INZ000199438), Rajat Dhar is a Mutual Fund Distributor (AMFI ARN-84353), a PMS and AIF Distributor (APMI APRN04196), and a HRERA-registered real estate agent (RC/HARERA/GGM/4708/4303/2026/743). For investor education only. Not investment advice, research, or a solicitation of any product, and no specific fund, scheme or issuer is named. Investments in securities markets are subject to market risks. Real estate investments are illiquid and carry market-cycle, developer-execution and land-title risk. Past performance does not indicate future results. Full disclosures: finogent.com/disclosures

Information

  • Creator
    Rajat Dhar | The Money Sage
  • Years Active
    2025 - 2026
  • Episodes
    6
  • Rating
    Clean
  • Copyright
    © 2026 Rajat Dhar | The Money Sage
  • Show Website
    Finogent Insights