Well not exactly a luxury, but very much there. The most important question to ask is “can you retire at an age at which you think you can”. The answer for most of the people I meet isĀ  NO. They cannot retire at say 49 – another favored age if not 39. So, yes it […]

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First of all, there are too many ‘experts’ today. Most of the readers of blogs or watchers of Youtube videos cannot distinguish between real experts with real knowledge and chauffer knowledge. Also some people use words like ‘back-testing’, value-investing, etc. without knowing what it means. Let me give you one example. In the year 2017 […]

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When you meet 100 people a week to talk about retirement, you do meet a lot of realistic people, pessimisstic people and optimists. You also meet wishful thinkers…and actually get worried. A typical wishful thinker aged 50 thinks he will die at 72, his equity returns will be 19%p.a., he will die before his wife, […]

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Yesterday we say what a Jet Airways employee could do to tide over the next few months of uncertainty or unemployment…continuing that… What if you do not have any emergency fund? and even worse what if your spouse is also employed in Jet. It’s a double whammy, right? I remember a very senior level employee […]

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Not very long ago a bunch of employees had left Jet to join Kingfisher. When KF closed down, they had nowhere to go. Luckily for some of them Indigo and SpiceJet were recruiting and could find jobs there. Some of the non flying staff – like ground staff, baggage handling staff, etc. found jobs in […]

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the week beginning 22nd April is pretty busy for me… on 24th I am at the Voyage on 27th is a book reading session followed by a session for doctors. Normally I do sessions for doctors which are paid for by some pharma company. This time it is a mutual fund that I am doing […]

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Your IFA – Independent Financial Adviser – has to be really INDEPENDENT – check out if it is so. If you are say 55 years of age and a successful doctor (or lawyer, or CA or….) and go to a 28 year old IFA, is he really able to stand up to you? I know […]

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