The risk profiling is done by a simple method – the risk questionnaire. Sadly when the unsophisticated client is filling it up, he does not always understand the wordings. Even if he is sitting with an IFA there seems to be a hurry to get over it so that they can go to the more […]
When Sai of Rediff called me and asked ‘what impact will the Fed Rate hike have on the Indian investor?’ i mulled over it..and here did this for him… http://www.rediff.com/business/column/should-you-worry-about-the-us-fed-rate-hike/20151215.htm
When you have lived long enough on the planet, you have one great thing – the ability to look back. The even better thing is that your mind has eliminated all your mistakes, anxieties of the past, etc. so you remember the event EXACTLY the way you wanted it to have happened, and not as […]
I got into a spat with an IFA about risk profiling. She was talking about risk profiling, and I said it is a waste if an IFA does risk profiling without understanding its limitations. No clue whether she understood what I said. Sorry to start with such a blunt statement, but it is true. Let […]
When I was asked ‘Subra what is the ROI of training’ for the first time, I was a little unprepared, but since the CEO asking this question was a friend, we did some calculations. I told him one thing though: any such calculation is just a guess, and any intervention involving people and hopeful behavioral […]
Payal and Tarun were very happy. They had just finalized a house costing Rs. 1.4 crores where they had taken a Rs. 1 crore mortgage loan which both of them were to repay over the next 23 years. Excellent considering that they were only 23 and 29 years of age and could afford that EMI. […]
It is easy to get caught between magazines, columns, newspaper, blogs, television..and wonder how to invest. ‘Top 10 funds’ , ‘Must invest in these shares’ and ‘Rakesh J’s portfolio’ you keep wondering what to do. Should you buy when a good company like Sun Pharma falls from 1100 to 750? or should you wait for […]