Here is a list of very useful financial resolutions to make: 1. I will write down my financial goals 2. I will convert a big portion of my savings into investments 3. I will live a simple, frugal life by choice – but choose my dream career. 4. I will start saving/investing for my retirement […]
I know a few HNI investors. One thing common to all HNI investors is that they do not like to be classified as a “HNI”. This is good for the adviser too, because no 2 HNIs are alike. Some HNIs are well assured of themselves, satisfied with how their life is going and understand their […]
For most Americans, Christmas has been Hijacked. Or whatever was left of Christmas after the dreaded R word, the non-bail out of the auto giants, but the top most question is: In the fraud dictionary, Has Madoff replaced Ponzi? Every year, I watch, good, honest, hard-working people go and lose a lot of money […]
The advantage of having a stiff target is sometimes good! Though many bank and brokerage house Relationship Managers might argue against this, to the best of my knowledge targets seem to be helping. It helps the bank and the RM for sure. Funnily I found that customers are also very impressed. One friend told me […]
This article appeared in reuters.in – in their personal finance page under my name…. Organise your finances! The greatest advantage a person has if he calls me is he gets a chance to fill up a 20 page questionnaire. It contains questions from name, gender, marital status, employment, whom he supports, etc. It surely helps […]
Money TodayStory 7 deadly indiscretions P. V. Subramanyam October 15, 2008 Print Ema P. V. Subramanyam, financial trainer, Iris Having been in the money business for 20 years, I have interacted with brokers, bankers, owners of brokerage houses, life insurance salesmen and relationship managers. Many a times their financial temperaments and investment advice have left […]
When I was talking to a regulator, he asked me “How come ULIPs (Unit linked insurance plans) charge such a high “entry” load? I told him as a distributor I can actually make more money from a customer selling mutual funds than selling ULIPs because of churn and a trail commission that is based on […]