Let’s find out whether you need to buy a separate accident insurance and critical care insurance if you already have a health insurance plan? Here are the differences between health insurance, accident insurance, and critical care insurance: Health insurance v/s accident insurance A health insurance has a broader scope in terms of coverage […]
When I was young I would chase companies that would give me a good dividend yield – and it was much later – that I realized that it was called ‘value investing’! Having said that how would you do asset allocation if you were a value investor? would it be different? what if some of […]
When you attend industry body meets you come away feeling that there are too many bull shit jobs going around in the country. Just too many. If we shut down 2 banks every year for the next 10 years, the country will not be poorer. Do so many bankers (broad enough to include insurance and […]
The problem with all regulators is that they speak the language of the strongest player. So the Insurance regulator brought in a rule which said “the rider premium cannot be more than the base product premium”. This was because LIC did not have any riders when Hdfc was selling its critical illness rider as a […]
We are a product of the choices that we make AND the choices we choose NOT to make. So when you choose to have 200 shirts and 50 pants, its a choice YOU made to choose every morning what to wear. If you have 5 black pants and 10 white shirts, you have again made […]
The biggest risk in life is overconfidence. It kills. While crossing the tracks or the road when you are overconfident that you will beat the train or the car – can actually kill. In portfolio management – it is not what you do not know that kills you, it is what you CONFIDENTLY know, but […]
When you are floating in a few ‘000 crores of money…what do you have to pray to God for? Good sense. After all it is very easy to earn a lot of Money (Michael Jackson, Tiger Woods, Boris Becker even Vinod Kambli) or inherit a lot lot of money (Ranbaxy, Mafatlal, Ashok Birla)…it does not […]