IFAs mostly do not go through this dilemma. For them only bond funds make sense. However bond funds have one major problem – a fluctuating nav dependent on the existing interest rates. Actually this should not matter to you as an investor, but if your duration need and the duration of the fund may not […]

When a young bank employee kid comes to me and says “I want to invest in equities but my parents, uncle, aunts…are all asking me to invest in bank deposits..what should I do?” I give the normal spiel of why equities should make money in the long run…means say 5-7-10 years..she listens and starts a […]

What is this topic doing in a place which is about money? Well this is about money. Remember every step that you take is helping you go towards your goal or towards complicating your life. Most of us reach a particular a little by chance, a little by luck, and a little by strategy. I […]

This is a slippery banana peel and I am wearing roller skates. So time in the market or market timing? Honestly there is no single answer. Some people who have no public record of their investment track record (like me) can say whatever we want and get away. A Prashant Jain or a Warren Buffett […]

Let us look at some of the common errors that I have seen: Lack of understanding of risk, standard deviation etc. – IFAs are just as guilty Confusing Long term investing with risk tolerance believing CEOs saying “if you invest in equities take a 3 year view” not liking CIOs who say “Equity makes sense […]

All of us need equity for creating a long term corpus, but that does not mean that debt has no role to play in our portfolios. I do feel that the interest rates are headed downwards, but they are in no hurry to go down. So a bond fund will do well, but with the […]

If you have borrowed money on your credit card or borrowed from your bank and you are not paying it back on time, wake up. It is a very stupid thing to do – nor from a moral point of view but from a legal point of view. Remember, today we leave a digital foot […]