If you are a newcomer to this blog or even if you have come in a few years ago..it is likely to intimidate you about the topics on which I have written. This blog is a little different from the mass media because nobody tells me what to write. That does not mean i am […]

The one major problem in doing retirement planning is the bias…oops Behavioral finance here too? Well yes. The human mind is not able to handle ambiguity – and Retirement planning is all about ambiguity. Take the case of going from Mumbai to say Delhi. You know how much is the distance, how much is the […]

interesting talk…a couple of years ago… https://cafemutual.com/news/events/199-whats-the-future-of-advisory-business

Nps is risky simply because it is almost always run by people who have no skin in the game. If a fund manager manages a portfolio badly, he may lose a few crores of aum…but his reputation is not at stake. I am just telling you why I will never ever invest in a fund […]

What all can you get a loan for? Well if you ask a 70 year old he will tell you “House”. buying a dress going on a vacation getting married watching an Indo-Pak match in South Africa buying  a fridge, washing machine, ….what have you painting your house You get the drift? So a greedy […]

You are just back from an aggressive speed cycling (spinning) session at the Gym. Next to the Gym is a big  fattening American Eatery. Your ego tells you “one burger and coffee will not kill you..you just burnt 1900 calories”. You are a doctor and have Rs. 55L in your savings account (never mind you […]