Ananya Jain Aditya Birla World Academy Generation Z – “the future of the global economy”   Introduction I am a member of Generation Z. Gen Z are as large in number as Millennials, with the oldest members entering their senior year of college. They control more than $200 billion in direct spending. Since this generation will control […]

One of the biggest risks especially for retired people is called “Sequence of Returns Risk”. https://www.investopedia.com/terms/s/sequence-risk.asp So how can one handle this risk in retirement? Well, there are many ways to tackle this. Let us look at some of the options… http://www.subramoney.com/2017/11/managing-sequence-of-return-risk-retirement-portfolio/?frame-nonce=bd2d675595 a) Use the bucket theory http://www.subramoney.com/2018/06/bucket-theory-for-post-retirement-investments/?frame-nonce=bd2d675595 One more way of handling the Sequence […]

What if I tell you that this was a click bait…and the article is about Essar? Well, let me tell you. I look at my portfolio – Nestle, Colgate, Hul, Siemens, Hdfc, Hdfc amc, Hdfc life insurance, Hdb financial (to be listed), JSW, Titan, Gillette, PnG, Cholamandalam, Coromandel International, …………and I KNOW that it is […]

all over the world the HNI investor is considered to be the sophisticated investor. It is amusing to say the least…so here are some of the HNI mistakes that I have seen… a) many of them sign the bunch of papers that a Wealth Manager or a Bank Relationship Manager puts in front of them. […]

I know this is provocative, but when I see portfolios of the Rich and Famous – well not so rich and famous – you may argue, I come to some conclusions. First of all it is not very difficult to sell to a HNI. The problem is reaching out to them and meeting them – […]

Create documents – and do a document audit on a regular basis Prepare for a seriously long innings. If you are born after 1980, prepare for a CENTURY. Decide how much cash you want to take from your portfolio for discretionary expenses and non-discretionary expenses. I have done a post on this. Remember that inflation […]

You have decided to retire at 55 and now you are 45. Let’s see what steps you need to take NOW for retirement. Retirement means different things to different people. For somebody it is a push retirement (the company is forcing you to go) and for some it is a pull retirement (you want to […]