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Finogent Advisory LLP caters to the niche segment of affluent & HNWI investors and HNWI across the globe. The area of expertise is to offer customized portfolio management services and multi office services that covers Global Wealth Management offerings.

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Once upon a time, there was an ant and a grasshopper. (Isn’t that a good start?) During the summer and fall, the grasshopper smiled, frolicked, and played the days away, while the ant worked tirelessly to acquire more food. All of this effort made the grasshopper chuckle; why gather food when there was enough all around them? However, when winter arrived, the grasshopper ran out of food while the ant had plenty, and the grasshopper saw the foolishness of his short-sighted methods.

(The destiny of the grasshopper and the ant (or ants, in some instances) varies depending on whatever story you read and the lesson the author is attempting to convey.) The grasshopper dies of hunger in the most classic tales. Because this isn’t the most kid-friendly conclusion, he frequently receives food from the ant in exchange for some service or, at the very least, a promise not to be as lazy in the future.

There are also many more politicized variants, such as the grasshopper suing the ant and seizing his hard-earned food (to mock socialist/communist worldviews) or the grasshopper criticizing the ant for being so frugal (to attack those who hoard wealth). For our purposes, the narrative can conclude when the grasshopper recognizes his mistake.)

Key takeaway: Get ready today for tough times tomorrow. Also, if you have a choice between an ant and a grasshopper for financial advice, choose the ant.

Financial Moral: Almost the same as the general moral; store up on money (or other supplies, etc.) while you still have the chance, especially if you know hard times are on the way. In our ‘finance your own retirement’ economy, replace ‘winter’ with retirement, ‘food’ with money, and ‘ant’ with anybody who didn’t get a trust fund for their 16th birthday, and you have a fairly solid strategy for saving for your golden years.

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