Some are true and some are myths. 1. Fixed interest rate government bonds are risk free. 2. Interest Rates are set by the Reserve Bank of India. 3. Central Bank Governors do not like Gold because they cannot manufacture it. 4. Gold is a bad investment because it has few productive uses in industry. 5.Tax […]

“Subra tell me If we ask you to train our sales people by what percentage will our sales go up?” I am confronted with this question very often. I really have no clear answer to this. In fact I can only say that the KNOWLEDGE will go up. I have no facts to prove that: […]

Where will the market be in April 2016? or say September 2015? Frankly I do not know, and it does not matter. To make money in the equity markets, you need not know where the market will be 6 months from now or 12 months from now. It is completely irrelevant too. You should have […]

Amazing to see people who have a lot of money but not being able to use it usefully: 1. A father with a net worth of about Rs. 7 crores: His son wanted to be a football coach. Father said No. Son did his engineering (private college, big fees), then went abroad (big fees)…all dad […]

i have done many posts on term insurance. Here is the SHORTEST ONE: buy ONLY term insurance. NO RIDERS, riders are difficult to understand. buy it ONLINE only ONLINE / OFFLINE you are getting the same product, wake up this is a cash flow, so u need it ONLY till your age of 55 years […]

I should have said ‘How to stay away from NEW financial products? Sorry galti se mistake ho gaya… Let us see what are the products that are offered to us everyday…and what could be the response: 1. Sir, we have a new credit card, we would like to offer you one, free, and with a […]

First of all you need to have a Goal, and an Investment Philosophy Statement. The first statement tells you what are your goals – in actual terms, with current prices and the price at the time of the execution of the Goal. The Investment philosophy tells you how you will go about constructing the portfolio […]