Sadly there is no Dalbar in India to do Economic Surveys, so we have to do a copy paste of the American Investment Behavior and hope that after all Indians are also humans!! Let us consider that people could have started saving / investing for their retirement…at various points in time. Say 1980, 1985, 1990, […]

Most salesmen and many trainers tell you this: “When you are in the Accumulation phase you should do a SIP and accumulate money, and when you are in the Distribution Phase you should do a SWP (Systematic Withdrawal Plan)” This is only partially correct. When you are in the accumulation phase a fall in the […]

This sounded like a panic call from a friend…a few moons elder to me. I had no clue on what…so I did go and meet him alone. He has a ‘major’ problem. He and his wife. They have 2 children – aged 35 and 28 the elder one being a son and younger a daughter. […]

NOT ORIGINAL….GOT FROM THE INTERNET, AUTHOR UNKNOWN… Brilliant Minds Some years ago, there was a Mensa convention in San Francisco. Mensa, is an international organization for people who have an IQ of 140 or higher. Several of the Mensa members went out for lunch at a local cafe. When they sat down, one of them […]

No I am not getting into what Salman Khan did to Ravindra Patil…but just reinforcing some Indianness : 1. If you are a small constable, you should not fight your superiors: Patil spoke the truth. For that he was prosecuted by his own department. The Judiciary hounded him, his family abandoned him, and some people […]

Reliance Mutual fund recently did a survey about the Retirement habits of Indians….and here is what I read from that (this is based on a Morningstar summary, I have not read the original survey report). People are worried about retirement and RETIREMENT PLANNING IS a top financial goal (46%). Nice, nice if you are a […]