Most of us borrow money because we have been conditioned into thinking that assets can be bought ONLY by borrowing. So telling a 29 year old not to borrow for her car, or telling her boyfriend not to borrow for his motorbike costing close to half a million is futile. They will borrow, and they […]

Well it depends on whom you ask….”Is real estate a good investment”? I have met many people who keep saying that RE is the best way to create wealth I have met people who took 5 years to push out a tenant who was not paying rent, but refusing to vacate I have met people […]

Banking is a slow growth, dull, boring, low margin business which has to be done in a very thorough manner. Well, that is exactly how we were taught in the 1980s when people like Homi Bilpodiwala and Yezdi Malegam were voices that mattered. Yes we had people like Talwar of SBI and Goiporia (Dena and […]

Many people ask me “should we trust a broker’s report”? The answer is ‘I do not know’. It depends. Sadly today there is no single BIG pure Only retail broker. So let us see what happens when you are a broker, a pms provider, a mutual fund, a life insurance company, an nbfc (or bank) […]

though I get away calling www.subramoney.com as a personal finance website/blog, in real life I am more a blog on the wealth side…so I really do not know much about borrowing, interest rates, etc. However I do know that rich people do leverage and buy assets – and leverage sensibly. read what I wrote ABOUT […]

“Subra do you think that the market can fall? what about 15500 as the limit” I was asked in March 2008..and I said this Will the market fall futher than 15500?

Almost all experts will tell you that Investor Returns = Market Returns MINUS expenses Since you cannot predict market returns and the fund manager performance, you need to concentrate on expenses. Right? Sure, but how did you ask? Most websites are happy taking the expenses as provided by the fund house. Now wait a minute […]