The Dow Jones is at 22k – a real high so you think the small investor is flocking to the market, right? Wrong. The small investor is pulling money OUT of the shares portfolio and is busy buying bonds – remember the US yields may be rising, but still gives very poor returns. Why this […]

We are still in the caveman’s times. So we are worried about whether we will live. When we see sugar and carbs we stuff ourselves – it is fat and survival. So we eat sugar…to make sure we have enough energy to run when a wild animal chases us. Now come to the markets. We […]

Whenever I meet, plan or invest money for a CEO, head of learning, or Head of HR, or CFO, they tell me 2 things: I wish I had met you earlier My employees should at least know about all this asap Once upon a time I used to take it seriously and make follow up […]

here is what I wrote 4 years ago when markets were jittery and worried about what it will do… What to do in equity markets, NOW?     What to do in equity markets, NOW?

The scariest place to be in a boom is a Mutual Fund Conference. I had a small speaking slot so I was there..and saw about 800 bulls and even met a few of them. There are IFAs and IFAs. Those who think that real return, nominal return, etc. are just some words from Mumbo Jumbo […]

Over the past 45 odd years I have ONLY seen people whose financial well being improved. People of my parents gen bought a fridge at the age of 40! the house came even later. Some of them had to depend on their children to pay the EMI for the house or for getting their daughter […]

2015: Subra I wish to invest in the markets, I have NEVER invested, and I have about Rs. 30L to invest what should I do? Subra: Do a STP of Rs. 2.5L over 1 year. She: Subra this is over and above the Rs. 1L I am doing from my salary? Subra: Yes. 2017: Subra […]