The World may come a full circle..but it is nice to see the elimination of the small in the BFSI space. The very early victims of the elimination program was when they eliminated the small sub broker. He had a role to play when there was a physical securities – shares had to be transferred […]

Here are some more investing common sense…it is not as though I have not said it earlier…but just a year end reminder. 1. More than 90% of Warren Buffet’s returns can be explained using Compound Interest, Patience, and Time. More importantly 99% of his current wealth has been created after he reached 50 years of age. […]

“Subra will you speak to my Dad regarding his flat in Navi Mumbai?” This was almost a frantic call from a friend. And knowing my views on Real Estate, I was surprised to get such a call from a guy whose family past time was to buy RE in Mumbai and Delhi. A little bit […]

A few days ago I wrote on FB that people ask me wrong questions, let me enumerate some of them. Please remember that I am not really a hand holding personal financial planner, so the questions to me are lesser, but here….(and these questions are thanks to the media): 1. Subra the market has gone […]

None of us plan to fail. We all know that we will live till 90. Sorry make it 110. So what? – we are too damn young to buy a term plan. Why waste money after all we know we will live that long. – we have bought a pension plan. Piddly by projected inflation […]

I have found both these questions IMPOSSIBLE to answer. I have no clue how much to invest – obviously depends on your income levels, sensible goals, etc. When should you start? Well from your first salary….well let us see… If you ever wondered how much to invest, read on! THERE are some word pairs that […]

I have promised to be different from typical personal finance sites, so let me tell you how. Here let me start with a story. One man goes to the King of a land and says ‘Please give me some land’. The king says “Take your horse and ride..all the land that you can cover in […]