Reader has asked a very valid question: “Subra all this is fine..but what is the use of all this gyan? When I ask you whether you will hold my hand and help me plan my finances FOR A FEE…you always say no. I do not like some other websites which does it..- i feel it […]
Nice to see many many many articles, blogs, even legislation which are meant to ‘help’ the uninformed, poor investor. Let us look at the assumption of what these intellectuals and bureaucrats think about the behavior of the end investor: 1. The investor is rational: Fair assumption based on the Economics that they have been taught […]
Many people confuse risk with volatility. Volatility is not risk. It is like saying that the sea having waves is risky. If you build a ship and sell it saying ‘this ship will sail well when there are no waves’ – sounds like a joke, right? This is so bad that ‘Risk adjusted return’ is […]
Many people choose the fund in which to invest by looking at the rankings / ratings. I have always held the view that ratings are backward looking and so it does not serve as serious tools for choosing a fund in which to invest. It took some long conversations with some serious knowledgeable investors to […]
Ok if you are reading this, it means you are young! Not sure how young, but let me assume that you are really young. It means you are still wondering who will pay for your higher education. You have just graduated and are wondering whether your parents can / should pay for your higher education. […]
The regulatory environment is now looking good for a financial planner. However the business environment is not looking good at all. For a planner to run an office, pay rent, salaries, and other infra costs AND take enough money home to run his home too, the planning business is not lucrative enough. I also heard […]
7. Confirm tenure is appropriate: “The insurance representative offered me an endowment policy for 30 years…and at age 44…I am wondering how will be able to pay the premium after I retire…what should I do Subra?”. GENUINE READER QUERY…My answer is a separate post….will do it soon. Here it is: Appropriate tenure of a risk […]