I am dealing with a lot of millennials in my talks these days and I realize that they are finding it difficult. For most of them the conversation starts with “do a sip….” and they say the following: you do not know how expensive it is to live! I have other expenses too Subra Sir […]

Some important lessons in Investment management and Investment experience…. Investment Management Fee hurts: I never wanted to do PMS for a fee. This hurts the customer – especially if the client cannot understand that I would drive like a maniac! Imagine the risk that I would take – just to earn my fee. I would […]

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How many times do I hear this question. Most of the people asking this question are the ones who started a SIP because they had some surplus. Let me explain. I met a young girl working in a bank (selling ULIP and SIP) – and she had 14 sip running. None of the SIP had […]

Here is my view on some companies. No, this is not an invitation to invest. I do not gain or lose by what YOU do in your portfolio. I may be holding all these shares, or may have sold these shares. I may benefit by price movement – either way. So do your own research […]

I met a professor and his nephew travelling to the airport on a Saturday afternoon. This was at a place 35 km from Mumbai airport, and they were leaving. The prof had a brilliant idea – why pay full fare, when you can use an Ola share. The nephew was happy to pay less and […]

Not all human beings want to retire early. There are many who have say Rs. 20 crores, can retire at 57, but want to work till 70. Or till they drop dead. Nothing wrong. In fact I see them looking at big projects at the age of 57 – KNOWING that they do not have […]