Should you look at an AIF, Pms or even a direct equity portfolio over and above your mutual fund portfolio? Do you need to? I do not know, but I do guess that there is a place for everything in one’s life. Let us examine all the options. Look at direct equities. Unless you have […]

Is it possible to change jobs once you are in your 40s? what about 30s? Well it is surely possible in the 30s, as well as in the 40s – but when you hit that 48-49 band it is almost the last call for a job change. If you are a sales person holding a […]

I was in a psu bank getting my passbook updated when a woman came to withdraw Rs. 6000 from her account and close it. The bank teller tells her “your balance is nil”. She was what you would call the lowest end of the pyramid – she was a maid servant. What had happened to […]

For many people I know Retirement is a challenge. Most of them have been asked to retire at say 58 or 60, they did not retire because they had something to do. Tough indeed. Typical a ‘push retirement’ and not a “pull retirement”. One of the persons I know was sitting at home at watching […]

When a mutual fund tells you the truth, they tell you exactly that truth. Sometimes it is half, semi, part, black, white, or shades of truth. When Hdfc amc told you that they have taken a Rs. 500 crore hit on their balance sheet, I would have seriously liked to know who was holding this […]

If you took term insurance when you were 33 years of age and now you are 68, and your children are settled and you are reviewing your expenses, would you think of the term insurance premium as a waste? Well, it was supposed to give you peace of mind, and you got that. So to […]

should I buy many endowment plans..for my Retirement? Swati Sharma…asked me…most of us would be better off with Mutual funds…like the talks that I do with Edelweiss… https://www.youtube.com/watch?v=QdWBys7vJ84&feature=em-uploademail