On 24th June I am conducting a class on wealth management in Chennai (location, fees, etc details available on the link below) this will contain basics on GOAL BASED INVESTING How to select and stick around with Mutual fund schemes How ULIP is not as much a monster, but still not a great buy too […]

I was just shown a video about “Householder’s Insurance”. I got a feeling it was made by an insurance salesman. In fact I am sure that it was made by a general insurance salesman. He said you need HHI because you could lose your belongings to a fire or larceny (oh yes, this is the […]

Where does risk come from? It comes from beliefs. When an elephant is very small it is tied to a chain. It tries to break the chain, but it is not able to break it. As time goes by it stops trying…and it believes that it cannot break the chain. End of trying. Exactly how […]

“Subra it is all well that you taught us Standard deviation, Sharpe Ratio, Treynor Ratio….and how to read a fact sheet, but which is THE measure of risk that I should use to invest my money and my client’s money” I was asked this question at the end of a ‘How to read a fact […]

I have got a lot of queries from people asking me “should I stop my SIP”. Sorry I do not answer personal queries simply because I do not know you. I do not like to give advise to people online – especially if I have never met them, cannot assess them over phone, and have […]

I have not seen a more admired boss – feared, hated, and loved! What an amazing run he has had in the past 24 years – from 1994. I guess I opened my account sometime in 1998/9. Yes I have had service issues, but I must admit that the bank has problem solving skills too. […]

I know one fund manager in India who supports a team that CRITICIZES his portfolio selection. Yes, I agree it is very tough to make oneself open to a public scrutiny, but he does. It is important to remember that Indian fund managers are far, far more open to scrutiny than Mr. Buffett. WB hides […]