Rahul Bhatia – I am sure you know who is this famous man. He came visiting. He had heard about me being an Investment Consultant. RB: Hi Subramoney…I was asked to meet you.. Me: Welcome sir. One small change, I will guide you, but you will have to get a Registered Investment Adviser to guide […]

Let us say you have a net worth of Rs. 20 crores, and of this you have Rs. 17 crores which was your ESOP. This is from a friends portfolio …so I can’t name the company. Let it be Google, Facebook, Hdfc Bank, ….does not matter. So this means this guy (or gal) has made […]

The amusing thing about risk is that none of us understand it. A Few people like Taleb understand that they do not understand it. That is what makes him or a Peter Bernstein an expert, and all of us novices. Let me narrate a few REAL LIFE INSTANCES and you can decide whether it can […]

Let us have some gratitude towards many people who have made investing easy and inexpensive. Invariably the first person you should be thanking is Vanguard – John Bogle, the founder. He is the person who dramatically reduced the cost of investing. Remember even in the early ’90s in the USA sales load was 8% upfront […]

Are we in a bull market or a bear market…time alone will tell. However, mathematically, we are not in a bear market. From the peak of 40,000 the market has to be below 32000 to be called a bear market. We are nowhere near that. When I am asked in a class – when is […]

Did this program for the police – helping them invest..done this program with Sumiit Lakhutia…

“Your job is to educate the client…incidentally during this process…he may buy your product” – when the Ceo of a life insurance company said this it sounded funny. Why funny? he was addressing the Financial Consultants who were to sell his products. It is easy for a salaried executive to say such things…but who will […]