This is a common question that doctors ask me EVEN IN MY INVESTMENT class. I guess it is fair – your ability to create wealth depends on – a) how well you earn b) how well you invest and c) how smartly you invest. Obviously I only told them that they have to earn well. […]

A very young budding doctor told me “do not go to Apollo..they will charge you Rs. 1500 for just a 45 minute consultancy”. I realised that she was stuck to some figure from her imagination and she was obviously wrong with her math. So I asked her “how much salary would you expect if you […]

Now the fund management industry will tell you the following: Tough times do not last If you invest now you will get more units your average cost will go down when the tide turns you will feel rich it is time to invest MORE, not less sip done over long term gives great results you […]

You have invested in a fund house which has invested in the ILFS paper. Now your question is ‘should you exit the scheme(s) which has other ILFS paper or should you stay on in the scheme. It is not a question that is easy to answer. Let us say ILFS is about 5% of the […]

Idbi Ltd was formed long ago – sometimes in the 50s to fund the Industrial growth of India. Never a great management, it accumulated NPA by the tons. Then it became a bank. Sure more NPA followed. 2018 Idbi bank needed a bail-out. Let us look at what can be the potential benefits of a […]

Let us get the facts cleared once for all. Equities are risky. Equities are risky. Equities are risky.  Well risky and volatility are slightly confusing, so let me continue with the word risky. For the layman this means “his money invested can fall by 10, 20, 30, 40%…and stay for a long period of time […]

teaching children about saving, single minded focus, and inflation is not easy, but seeing this ad will surely, surely, surely help