I asked the CEO of a listed company about doing something in his accounting. He said “I can’t” my auditors are XYZ. That was the end of a 3 hour conversation about his company and the future prospects. This was way back and I am happy that I realized that I was talking to a […]

A few days ago I wrote about why we need a bear market (anyway even in your 60s you could be investing your surplus) – so we all need a bull market only in our 90s! If at all we withdraw. If my dividends keep rising, I am likely to be an investor in accumulation […]

https://freefincal.com/five-reasons-why-i-will-never-invest-in-real-estate/?fbclid=IwAR2Cg4_ShJ5CLGvD0pJ1HptgFs2mgAU_cGoWJwMhY0qHVCSeHixYrEzN9pI    that was Pattu saying why he will not invest in real estate (by mistake I had said equities) there was a Tata Groupd executive who went to town about a fraud in Hyderabad about the real estate fraud that he suffered. Here is another one –   https://www.livemint.com/Companies/Kp7TQlCO6XZxJVwLJs3mmN/A-desperate-fight-to-save-Dilip-Kumars-old-bungalow.html

I am frequently asked how I manage my own retirement finances. Retired households can have dramatically different financial situations so my style may or may not work for everyone, but it shows some of my philosophies. Read it but please develop your own style. It is amazing to see how often people check on their […]

The word Average is the MOST dangerous word in planning. Even in Retirement planning you have no great use of the word average. What is the average return one can expect in Equities? What is the average time taken for travelling (by road) from Surat to Amdavad? Well the returns that you get on your […]

What did you learn about Personal Finance in 2018? I mean learnt and implemented and benefited (or not benefited, so adapting it for 2019 and after). It could even be a one off effort that you did and are proud off. If you learnt it on www.subramoney.com, great, tell me so or if you learnt […]

We need bear markets – they are like pesticides in farming. Nobody likes them, but it is necessary to remove the weeds. Not long ago Cholamandalam had a mutual fund business. It was obviously not making money, so they got rid of it. However the ‘getting rid’ does not happen so smoothly with Indian business […]