We have a serious Retirement Problem. Yes it is the Retirement Bomb that we are refusing to acknowledge. In China with its restricted press the children killing parents stories are not coming out. As a country we have a major crisis in our hands. Many of our senior citizens do not have enough money, and […]

here is a short commentary by Larissa of Morningstar….. https://www.morningstar.in/posts/52561/retiring-rich-not-unattainable.aspx

Why should I invest in shares, bonds, equity funds, and debt funds? Well, it is necessary that your total assets should be across a few asset classes. Mostly for the middle class investor these asset classes are equity, debt, real estate and gold. This is called “asset allocation”. Bonds and bond funds give stability to […]

There are some more questions that doctors ask…let me start.. Why should I invest in equity shares / equity mutual fund at all? To grow your money over a long period of time. It is surely better than buying endowment policies, PPF, etc. over say 10-15 years of time. You get a chance to see […]

If there is only one number that you are going to track in your personal finance life, then it has to be your NET WORTH. I am assuming that all of you know that Net Worth (NW) . Ok NW is YOUR financial assets minus financial liabilities = amount of money that is working towards […]

We all have our biases for sure, and sometimes it works for us, and sometimes it can hurt very badly. One of the biggest risks is called sequence of returns risk. If the first few years you get poor returns, your portfolio can get annihilated. Check whether your retirement portfolio is aligned favoring your retirement. […]

Fund management is about processes, and I like fund houses with a good process, and smart people. Smart people means those people – Anand Radhakrishnan or Roshi Jain – in this case who know that the process is more important than the people who run them. Now I have a funny problem. I have been […]