Our real friend in the Government is the RBI Governor. He is the ONLY man who is concerned about Inflation. It is inflation that hurts YOUR capital, savings and investments. This is the figure that makes it necessary to build a huge corpus for our retirement. Use any calculator and see the amount of money […]
In the 1960s, and 1970s till even the 1990s there were many animals in the BFSI’s intermediation space. At the top end were of course the ‘main’ brokers who were members of The Stock Exchange, Mumbai (now famously called BSE). The lesser animals were called sub-brokers – who went to meet the clients and made […]
When I ask people what they expect from their investments, their first answer is ‘profits’. So I now have to be more accurate in my questioning… One of the questions is ‘What returns do you expect on a realistic basis from your investments?’ Obviously in nsc and ppf they know the answer…but when it comes […]
Some of the dreaded questions that this gen asks – 1. What do you do for a living? (in the last few years it has got scary) 2. What is your educational qualification? 3. Where do you live? (location: Country including PinCode) and 4. What car do you drive? Frankly there is a big mafia […]
When you start investing – especially in direct equities, you tend to do some research and some reading into future events. Based on YOUR interpretation of the future events, you need to plan your future moves – career-wise and money-wise. Let us say it was in 1985 you started investing and were following one big […]
When you buy a Colgate, Gillette, PnG, Nestle, etc. and hold over an extended period of time – say like 30 years, you ANYWAY get a good CAGR. This is largely because of the rising dividends, splits, bonus, etc. One very risky, but very important way of increasing yields is of course to do a […]
Insurance is a hedge for ‘unforseen’ events that happen. Insurance is paid ONLY if the person who is buying the insurance HAS behaved in good faith, and has not CAUSED the event. It is NEVER in the interest of the Insured to cause the event JUST to make the claim – afterall the pay off […]