When you are investing you need to know your financial goals. At retirement it is necessary to know your financial and lifestyle goals. Mostly people cannot identify their discretionary and non-discretionary expenses clearly. Hence estimating their total retirement requirements becomes very difficult. That brings us to a very important part of Retirement planning. Identifying the […]

We are all traders – with a 30 minute view or a 30 year view that is all. We do think that by holding on to a share for a longer time we will make more money and hence we are not selling it off today. When I bought Orkay, Nirlon, Cadbury, Kodak, Hoganas, I […]

At the outset let me tell you that I do not think it is the job of an Advisor to create alpha. His job is to help the client write down his achievable goals, chart a plan and make sure that the investor sticks to the plan. Having said that in a competitive world where […]

It is a nice question to ask – how do people invest? what is investing a function of? Fairly obviously investing by an individual happens based on many things – a. Own past life experience: a person is influenced by his parents, friends, real life experiences, etc. For example a person who was caught in […]

Are we in a bear market or a bull market? Odd question right? With the Sensex hitting all time highs, why am I even asking this question? Simply because we do not invest in markets. We invest in individual shares. So there are portions of the market which have just not participated in the rally. […]

This is perhaps the stupidest question to ask. Why do you need to even ask this question. If Indian banking is concerned…there are 3 types of banks… a) Public sector banks b) Co-operative banks c) Small private sector banks d) Large private sector banks A few funny banks are Axis bank, Icici bank and Idbi […]

What is a Credit Score & Factors affecting a Credit Score? A credit score is a numerical expression based on the analysis of a person’s credit history to represent the creditworthiness of that person. So as we understand it is very important or rather essential to have a good credit history. A credit score is a complex formula/number […]