It is an absolutely mad quest for more. A bigger house, a bigger holiday, a bigger college and education for our kids. To achieve this we have added more work, need more returns on equities, bubbles in real estate, – dammit it is scary. So when Raghuram Rajan says we are in the midst of […]

A friend referred a client to you, you met the client. In fact the client had come to you and wanted to invest some money. The immediate lump-sum was in 8 digits and the 3 SIPs were in late 5 digits, and the client sounded sincere and honest. He came with his wife, they liked […]

Many people think they (and the industry tells them) that they are eligible for a “home loan”, car loan, personal loan, credit card loan etc. Actually this is not true. Just imagine a banker wanting to lend you money so that YOU can buy what you want! From when did the banker get to be […]

So sad we do not have a Dalbar (an US based research firm that compares returns of stock and bond markets with those of individual investors) research on Indian investor returns! This study in the US has 2 startling facts: Over the last 20 year period the Standard& Poor Index returned an annualized gain of […]

I AM ASKING A BASIC QUESTION….AND the question is do you need p f p? I AM NOT asking whether you need a planner. That is a different question. So, do you need the personal financial planning process? Read on Maybe you’re saving to buy your first home. Perhaps starting your own business is a […]

You have been doing a SIP for the past 2-4-5 years. Your parents, friends, colleagues who have been investing in PPF and bank deposits are laughing at you. Your portfolio has always yielded less than the debt market returns. They have been ridiculing you for reading Subramoney.com – an equity only kinda freak. Your monthly […]

‘My will power is good Subra, but ITC’s Wills power is stronger’ – a friend used to say this during his smoking days! Can your will power be strengthened like your body muscle? Many people do not even want to ask this question. they keep saying ‘I cannot do this’…My mother says ‘I will never […]