80C investment options…

Yesterday (27 Feb 2017) Yogita Khatri did an article in ET_Wealth about Endowment plans being inefficient vehicles for investing for the long run. Nice article with a lot of research and lots of numbers – no I did not go through the numbers, but the gist was “you are better off taking a term plan […]

Mutual fund selling, advising and mis-selling?

A client opens a pink paper in the morning..and reads “Mid-cap funds do better than large cap funds over a 10 year period” “PPF returns are better than the 10 year equity fund in which you invested” “ETF and Index funds have beaten a majority of mutual funds which are actively managed” “there are no […]

Just de clutter!

Look around yourself and almost all of us can say this: we have a greater variety of food than what our parents had we all live in houses bigger than what our parents had we all have personal means of transport which many of our parents did not have we have more dresses than what […]

Go back to your grandparents!

In most houses your parents or grandparents do keep a ‘Ekadesi’ fast. On that day you are not supposed to eat anything – so people like my mother eat 2 bananas during the day and has her cup of coffee. That is what she eats all day. Does it help? Well science has said that […]

It is so Expensive! Is it worth it?

How do you decide whether a thing is worth it or is it too expensive? We do not really ask this when it comes to food or water or even transport. Nobody ever wondered ‘is it worth to eat’ or should I drink water, is it worth it? However where to eat and what to […]

Subra and Cifa 2017

Thanks to Cafemutual I had the opportunity to address about 500 IFAs in Mumbai in Feb of 2017..and I spoke about the ‘distribution’ phase..The ambience was awesome and had a nice meeting with many old and new people – Dhfl Pramerica’s EA Sundaram, Kailash Kulkarni of LnT MF, Franklin Templeton MD and a lot of […]

Value of Term Insurance vs Cost of Term Life Insurance

What is the cost of Term life insurance? What age? say age 33 How much sum assured? Rs. 1 crore. How many years? 22 years. Sir what is the Value of the insurance. Ha. Now I do not know how to answer this. I know how much it costs, but its value is known ONLY […]