Once we have reviewed the fund classes, we are ready to discuss more specific fund types. Funds are generally distinguished from each other by their investment objectives and types of securities they invest in. Broad Fund Types by Nature of Investments Mutual funds may invest in equities, bonds or other fixed income securities, or short-term […]
“Sensible soundbytes” is an oxymoron. This is what a great author has said. So if most of you know what is a black swan, you know who I am talking about. I normally do not watch much TV – except for Ramayan or Animal Planet with my daughter. However, I am many times under great […]
I hope to God no underwriter or actuary is reading this article. It is just a collection of the channels through which life insurance is sold these days. If some retired people cannot recognize some of the channels, please stop shaking your heads! Let us look at the channels: 1. The life insurance agent: the […]
Insurance – Life or General is largely about answering some questions like “What if….goes wrong”? The fundamental objective of insurance is to provide a means to offset the burden of financial loss. Think of insurance as a premium paid for “transfer of risk” premium. An alternative method of dealing with risk. You are paying an […]
The Housing Market… Why the Price-to-Rent Ratio is Signaling More Pain Ahead Whether you’re investing in real estate, stocks, bonds, or gold coins, you are rewarded primarily for your exposure to one thing – risk. After all, markets are only risk transferring mechanism. In the summer of 2007, I warned friends that if they were […]
In every financial planning class I need to do a post lunch session. To keep them awake I ask them to do a simple exercise – calculating how much money they require for retirement. Unless they are at least 32-33 years of age, they have no clue as to how much they need for […]
Jim Rogers (famous for: Biker and Quantum fund) in a free wheeling interview to MoneyMorning.com says some fearful things. Jim is too famous and has some Indeed, the U.S. financial debacle is now so ingrained – and a so-called “Super Crash” so likely – that most Americans alive today won’t be around by the time […]