Sir can you tell me how AI technology helps to any fintech firm

Ans: Many people fall into traps like this. Let's understand this issue clearly and from all sides. You mentioned an ad claiming you can invest Rs. 21,000 and get financial freedom using AI trading. These are very risky promises. You need to be very cautious.

Let’s do a full 360-degree review before you trust such ideas.

? What These Ads Usually Claim

– They promise high daily or weekly returns.
– They show fake screenshots of big profits.
– They say AI or automation will make money for you.
– They show luxury cars, villas, and easy life.
– They use words like “passive income” and “financial freedom”.
– They try to sell “dreams” not real investment.

? What Really Happens Behind These Ads

– Most of these are scams or misleading trading setups.
– Some operate like MLM or Ponzi schemes.
– They ask for initial investment, then demand more.
– They do not follow SEBI or RBI rules.
– Your money may not come back at all.
– You may also get trapped legally in a scam.

? Why You Should Not Fall for These

– No one can predict market with perfect accuracy.
– AI trading has risk, even for experts.
– Retail investors are often the losers in such platforms.
– There is no transparency in such systems.
– No SEBI registered platform will give such promises.
– Easy money never exists in investing.

? Difference Between Real Investments and Such Scams

– Real investment is slow, steady, and requires planning.
– It does not give daily or weekly profits.
– Real financial freedom needs time and discipline.
– Real investments are done through mutual funds, PF, NPS.
– You work with a Certified Financial Planner for guidance.
– Real investing respects your life goals and risk appetite.

? Why Quick-Rich Schemes Fail Always

– They don’t follow basic rules of investing.
– They focus on attracting people with greed.
– They work till new people put money.
– Once that stops, everything collapses.
– Most people lose everything they invest.
– You may not even get back the original Rs. 21,000.

? Don’t Mix AI Buzzword with Real Investment

– AI is just a tool, not magic.
– Even AI models can’t remove market risks.
– It may help trained traders, not common investors.
– Trusting unknown AI platforms is extremely dangerous.
– SEBI or RBI doesn’t approve any AI-only trading product.
– Always check credentials of the platform and people.

? How Certified Financial Planners Help Instead

– They help create a realistic goal-based plan.
– They review your income, expenses, and life goals.
– They guide you in selecting mutual funds wisely.
– They help with asset allocation and rebalancing.
– They monitor market trends and adjust your portfolio.
– Their advice is built around your needs and not trends.

? Why Mutual Funds Are Better Than Such Traps

– Mutual funds are SEBI-regulated and transparent.
– You get regular statements and track returns.
– You have liquidity, flexibility, and lower risk.
– Mutual funds give compounding over time.
– You can invest monthly in SIPs starting from Rs. 500.
– You can also set up Systematic Withdrawal Plans later.

? Avoid Direct Plans Without Proper Knowledge

– Direct mutual funds need constant monitoring.
– You have to review fund performance alone.
– You miss personalised help and portfolio rebalancing.
– In market downturns, you may panic or exit wrongly.
– Regular funds with CFP-backed MFD give better hand-holding.
– Their support during volatility protects your emotions and money.

? Don’t Choose Index Funds at Retirement Stage

– Index funds are fully equity-based and volatile.
– They don’t have fund manager protection.
– If market crashes, you lose without control.
– No option to move to safer sectors or bonds.
– Actively managed funds adjust according to market changes.
– At your age or risk level, safety is key.

? How You Should Plan for Financial Freedom Instead

– Set a goal for monthly income or retirement fund.
– Decide how much risk you can take.
– Build a mix of safe and moderate-return products.
– Invest through certified MFD with CFP support.
– Start SIPs if you are earning monthly.
– Avoid any investment that promises fixed profits from stock market.

? Red Flags to Watch in Ads Like These

– Guaranteed returns without risk mentioned.
– Asking for urgent payments via UPI or crypto.
– No registered office or license numbers shown.
– Promises like “double in 3 months”.
– Referral schemes for earning income.
– Contact details keep changing.

? What You Can Do If Already Trapped

– Stop further investments or top-ups.
– File a complaint at cybercrime.gov.in.
– Inform your bank to watch suspicious activity.
– Try to recover funds if any wallet traceable.
– Warn others and share your experience if safe.
– Talk to a Certified Financial Planner for safe investment guidance.

? Final Insights

– Rs. 21,000 will not give you financial freedom overnight.
– Real freedom comes from long-term, smart investing.
– Avoid risky AI trading or fake wealth creation systems.
– Protect your money by asking the right questions.
– Work with experts who are SEBI-registered and hold CFP.
– Keep your goals realistic and stay committed.
– Greed often causes losses, patience brings true wealth.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment