What is the holy grail of investing? Or even better ‘Subra what is your Holy Grail of Investing’? And when I say ‘I have none’ people either don’t believe it or think I do not wish to part with it for free. I have always said that Investing, building a good physique, dieting, etc. all […]

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Well depends on where you sit…. Let me tell you what the ‘new’ Online Ulip sales brigade was trying to tell me….. Sir there is a small upfront charge – spread over a long time it does not matter. Me: 0 vs anything. I do think ‘zero’ is smaller, I would stay there. Salesman: The […]

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What do some of the people I know do well in their retirement? Or should I say how did they plan for their retirement? Well I have interacted with some retirees (less than 75 years of age) and here are my observations: They did not retire alone: many of them have retired near their place […]

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There are many people who are confident that they can manage their money without any advice (Baba Google ki jai ho). There are many who think that they need an adviser. I am not here to argue either way, but I have seen portfolios – some destroyed by an adviser, and some destroyed by a […]

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  Financial Risk Manager (FRM) refers to a professional designation issued by the¬†Global Association of Risk Professionals¬†(GARP). The FRM exam consists of two parts, Part I and Part II. The FRM Exam covers the application of risk management tools and techniques to the investment management process. Who should take FRM: It is suitable for individuals […]

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When it comes to investing- are you conservative or liberal or brave? Oops did i introduce a new word in your investment dictionary? We have been led to believe that if you are a conservative investor we should invest more in bonds and less in equities. Right? Well, for a Rakesh Jhunjhunwala who understands equity, […]

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When the regulators talk about Mis-selling, the first person (and the last person!) who is blamed is the ‘agent’ who comes to collect the Rs. 2000 (or Rs. 200,000) – loosely called ‘agent’ or ‘adviser’ or whatever. Who creates the market for him (or her)? To start with it is marketing. They get “influencers” – […]

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