X: Mr. Subra may I take half an hour of your time? Subra: Sure!! X: Sir I represent     life insurance company….and would like to talk about my products. The one perfectly suitable for you is a personal pension plan. Subra: Why do you think I need a pension plan? X: Sir when you […]

We, The Distributors of  Mutual Fund products, are a very funny group of animals. The Mutual fund industry deals with 3 major categories of distributor animals. One is called ‘bank’ and one is called ‘the national distributors’. Here it is the Mutual Fund which has to go and meet them. The bigger banks and distributors […]

Too much is being made about the investing sense of the common man. Just too much. If all investors are rational, they would ALL buy term insurance and invest the balance. This has not happened in ANY part of the world. All over the world ULIPs are sold by various names and in various shapes […]

It is amazing to see so many ‘investors’ who cannot even spell a balance sheet without doing a spell check. I was shocked to hear the conversation between 2 such investors in a train: Investor 1: What is the difference between BSE and NSE? Investor 2: Arre BSE lists only companies based in Mumbai, but […]

Let us look at some brilliant, time tested investment tips which is very easy for me to blog. If I say this on TV it would be even greater. I would look brilliant. the question is how the ……..will you use it? 1. Buy Low and Sell High 2. Be Greedy when the others are […]

Sorry Mr. Tagore I have taken some liberty with your poem…. Where the mind is without fear and the head is held high Mumbai and perhaps whole of Maharashtra will be closed on Sun and Monday because one Ex head of a local political party died. Where knowledge is free Knowledge is free, degrees are […]

  I have posted a similar piece long ago…and thought it worth repeating…with some minor alterations… Some time ago I got a mail saying “Insurance is a waste of money. I am 62 and never needed it”. It is such an amazingly stupid statement I could not believe it. ‘I’ have not needed it does […]