Another one year has rolled on and what a year it has been – ending with the markets at all-time highs, with the economy at multi-quarter lows, the credit market doldrums that continue and so many headlines in between. Amidst all this it has also been a year of learnings when it comes to us, our money, our personal finance. More importantly the question now is how to look out towards 2020, how to ensure that that is a profitable wealth creating year for you. To discuss this CNBC-TV18 spoke to Feroze Azeez Deputy CEO at Anand Rathi Financial Services and Gaurav Mashruwala a Certified Financial Planner.