When a person has to create wealth, his money should get invested and compounded. Yes, that is the theory. However, when a person starts compounding it gets addicting, and then the person cannot do anything else. I am now seeing people who just will not spend, but try to invest every rupee that they have. […]

A generation ago – women born in the 1940s right up till 60s would look at life and wonder “whether they would want to work or be a housewife”. I do not know of any girl born in the 1970s who NEVER went to work. Most of the girls I know took up a job […]

When I say the word ‘retirement’ what image do you have in your mind? An old man sitting on an easy chair and watching television? Maybe aged 80? That is the problem. If we define retirement as ‘absence of cash flow from activities being done NOW’, we may rethink the image. Today we are so […]

When I talk about creating a pension by creating a Retirement basket I get various excuses… I am too young – a typical 24 year old CA or Mba or…have this excuse to offer. Sure, at that age you have other priorities but starting at that age has such a huge, huge advantage that ONLY […]

In your investing life of say 70 years, there will be 280 policy announcements by the RBI. Almost none of this is relevant in your personal finance journey. It is largely a media event…but read what some big people have to say about it. Please read and delete because next quarter I will post something […]