http://www.subramoney.com/2017/01/how-much-risk-to-take-in-a-retirement-portfolio-part-1/ Those people who want less volatility in their retirement portfolio should of course invest in less volatile assets. The examples for this are of course bank fixed deposits, endowment policies, PPF, and other government schemes. There is only one hassle – as these savings products will yield close to zero or a slight negative […]
Most Indian ‘investors’ believe that Real Estate has no risk. But Subra, even if it falls, we will always own the place, and we can use it. This is one fantastic excuse. ‘Can we live in our shares’ good question. Well some Indians are convinced that if you borrow money at say 10% interest, you […]
The APY was launched by Honourable Prime Minister of India on 09th May, 2015 and became operational from 1st June, 2015. APY is available for all citizens of India in the age group of 18-40 years. Under the APY, the subscribers would receive a minimum guaranteed pension of Rs. 1000 to Rs. 5000 per month […]
Subra, I have invested in a pension fund, an equity fund and a balanced fund for my Retirement. I do not like the value of my whole basket fluctuate – should I shift to a debt oriented basket? Fluctuation scares me, help! Answer: Your question is not unique. Many (most?) people I meet have this […]
I get this request very often. Maybe 100 times in a year if not more. I do train a lot of IFAs and bank RMs, so I should be able to connect the two, right? Wrong. I am myself not sure about who to recommend. I can name some very knowledgeable people here who I […]
When Taleb says we underplay the role of luck in our success what does he mean? Well let me take my case – I guess 90% of my success is just sheer luck…let me enumerate the luck first… Not To the Manor Born, but never had to think about money or worry about it We […]
Most people struggle with knowing how much ‘house’ to buy or ‘how much housing loan to take’. Not an easy decision to make. If your parents are extremely well off you can afford to commit to a bigger home. In case of you losing your job maybe your parents can step in and pay the […]