Author Archive

More questions that I cannot answer…

A few financial dilemmas that have been plaguing me. Frankly am looking for an answer! Here they are: 1. How long will IT companies enjoy 30% margins and 30% p.a growth rate for the work that many of them do? Ok. Make that 15%. Is that sustainable if the currency were to get stronger? 2. […]

IFA or Fund manager?

I meet many IFAs as a part of my profession. It is impossible to find ANY IFA speaking like an IFA. Most of them speak like fund managers. Read on: Sir I moved my clients from Large cap to Midcap and then Midcap is doing very well. Sir, my clients have invested in 3 large […]

Wrong Investment Questions that I get asked

Whether I am in a meeting or talking to a the end I am asked for some tips. So I share some of the shares in which as a family we have investments. Believe me in shares like Tata Steel, Hindalco, etc. we may have under-performed the market (sensex) by a big margin. In […]

What people want from the media…

If you switch on any channel today you hear shrill voices. It could be just the market going down or going up. And the anchors talk like they know perfectly why the market went up or went down. It is amazing to see people going wrong everyday coming the next day with similar views. Apart […]

Investing…meet a legend Seth Klarman…

Seth Klarman, a living legend in the Investment world, said in one of his newsletters: Someday, financial markets will again decline. Someday, rising stock and bond markets will no longer be government policy – maybe not today or tomorrow, but someday. Someday, QE will end and money won’t be free. Someday, corporate failure will be […]

Subramoney disclaimer

Once in a while I meet a person in the real world or in the digital world who scares me no end. My examples are taken as tips and generic advice as personal financial advice. You seriously need to have your head examined if you think this blog is an investment advisory. It is not, […]

Expectations bring disappointments…

When you start life you start very innocently. When a person says ‘I like you’ you believe it. When a person says ‘I love you’ or ‘I respect you’ – you tend to believe it. At a young stage of life or a relationship you do not attribute motives to any such statements. Then you […]