Make that first investment; waiting is costing you a bomb! After every lecture on financial planning, I get many requests for information from, young people just starting out in life. Regardless of their age, people do realize that a little upfront planning and action can put them ahead of the game. Thanks to the paid […]

When a bank or a brokerage house Relationship Manager tells you somethings, what does it mean? 1. Sir your IFA has done a good job, but see the convenience that our bank can provide you. Awesome statement sure. However if your IFA is being compensated on the commission model, your RM is trying to take […]

  I am sure many of you have heard this story….but for those who have not, a gentle reminder… Once upon a time a King died and his son became the king. While dying he told his son ‘Be nice to the people, but even if you are not nice, the people will not protest’. […]

What is with the market? why did the stock market fall today? Why is the market falling? Well, frankly NOBODY has an answer. Also the 3rd question has a wrong tense. Falling looks like present continuous, it is not. I have no clue whether it will fall tomorrow. I know it fell today. Let us […]

On Thursday (1st Aug) there was a decision in the US where a Goldman Sachs trader was convicted. This is being touted as a victory for the regulator, SEC. This again asks the question – did he do it for his personal benefit or for the benefit of GS? Did his bosses know what he […]

The In thing to do in the Financial services business is to talk about financial literacy. Regulators, politicians, media, investors, venture capitalists……all of them love it! However, the following para (extracted from a book) is worth reading “Financial literacy is a sick joke Wall Street plays with investors and politicians. Even best-of-intentions programs never work […]

You see some people and wonder from where they get so much energy to serve others! I know of somebody, let us call him P, and he has been serving his parents for almost 2 decades. It has been an amazing service, and I am not sure what gives him so much strength to do […]