There are 2 case studies..where I had a cruelly different view from what society has…normally. Case 1: A 64 year old man with a 63 year old wife. Their net worth is about Rs. 100 L and they have a house in South Mumbai – wait don’t get ideas. It is a chawl with a […]

The current long term debt market crisis in India is leading many readers to ask “should I redeem my bond fund and invest in the individual bonds”. Recently Indiainfoline had raised about Rs. 2000 crores in the market. Likewise Edelweiss had also raised money from the market directly. So it is a fair question: Should […]

Should you work in Retirement? India has a vey flexible retirement age. In family run companies (even if they are listed) a lot of senior people are retained far beyond their age of retirement. Look at our parliament – 70 is not considered old. So should you work while in retirement? another way of looking […]

I was with Radhika Gupta, CEO, Edelweiss Mutual fund…here is the link.. https://www.youtube.com/watch?v=S_oNXWZCBlc  

Should you look at an AIF, Pms or even a direct equity portfolio over and above your mutual fund portfolio? Do you need to? I do not know, but I do guess that there is a place for everything in one’s life. Let us examine all the options. Look at direct equities. Unless you have […]

Is it possible to change jobs once you are in your 40s? what about 30s? Well it is surely possible in the 30s, as well as in the 40s – but when you hit that 48-49 band it is almost the last call for a job change. If you are a sales person holding a […]

I was in a psu bank getting my passbook updated when a woman came to withdraw Rs. 6000 from her account and close it. The bank teller tells her “your balance is nil”. She was what you would call the lowest end of the pyramid – she was a maid servant. What had happened to […]