This is based on the lives of 4 women I know personally who have been cheated by their husbands. I am not getting too much into the details, but all the 4 stories have had a pattern…. H and W get married…live well. Then the H turns and says “listen why do you not look […]

I keep saying that I left ‘numbers’ long back and I do not chase numbers. Of course Financial Independence is different from Retirement. I am FI not necessarily retired. Yesterday I told an ex Journo from Chennai “I enjoy talking and writing about money” – exactly why I will never ever give up training. I […]

Many people ask me “what is an ideal portfolio” and till date I do not have an answer. Now I will tell you why. Let us look for an Ideal Prime Minister and an Ideal cabinet which does the perfect things. Do you think this exists? No. An ideal PM has to ONLY work for […]

I am dealing with a lot of millennials in my talks these days and I realize that they are finding it difficult. For most of them the conversation starts with “do a sip….” and they say the following: you do not know how expensive it is to live! I have other expenses too Subra Sir […]

Some important lessons in Investment management and Investment experience…. Investment Management Fee hurts: I never wanted to do PMS for a fee. This hurts the customer – especially if the client cannot understand that I would drive like a maniac! Imagine the risk that I would take – just to earn my fee. I would […]

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How many times do I hear this question. Most of the people asking this question are the ones who started a SIP because they had some surplus. Let me explain. I met a young girl working in a bank (selling ULIP and SIP) – and she had 14 sip running. None of the SIP had […]