The word Average is the MOST dangerous word in planning. Even in Retirement planning you have no great use of the word average. What is the average return one can expect in Equities? What is the average time taken for travelling (by road) from Surat to Amdavad? Well the returns that you get on your […]

What did you learn about Personal Finance in 2018? I mean learnt and implemented and benefited (or not benefited, so adapting it for 2019 and after). It could even be a one off effort that you did and are proud off. If you learnt it on www.subramoney.com, great, tell me so or if you learnt […]

We need bear markets – they are like pesticides in farming. Nobody likes them, but it is necessary to remove the weeds. Not long ago Cholamandalam had a mutual fund business. It was obviously not making money, so they got rid of it. However the ‘getting rid’ does not happen so smoothly with Indian business […]

You have recently earned money or you wish you had NOT SOLD those shares in a panic? Well blame it on the amygdala in your brain? Difficult to pronounce? well, don’t bother. See what it does. Not long ago we were hunters gatherers and we still have that kind of response in our skull. Yes […]

There is no doubt that Real Estate creates wealth for the already rich! For a Raheja, or a Hiranandani Real Estate has generated a lot of wealth. However, in this case, I am not going to suggest staying on this portfolio. Here are the reasons. Sir, you are 55 years of age and have a […]

I am planning to do a book on “Questions Doctors ask”. Here is a question which a doctor has asked. I have given a very long answer. Here is the question in great detail…I will answer it in a day or two “Subra I am 55 years of age and I have 3 houses (apart […]