I was once sitting in a big bank and talking to a Training executive. This was about 8/9 years ago at least I think. Even then, I had 25 years experience at least…and this executive must have had about 2, ok to make it poetic make it 2.5 years. He was telling me what the […]

I deal with certain HNI – the salaried HNI behaves very very differently from the business HNI. A business HNI considers himself a HNI only when he reaches say Rs. 70 crores of Net worth in real terms and this without including his house. However, the salaried HNI will accept the tag even when his […]

Almost everybody talks about ‘fixing the regulator’ , fixing the “regulator”, or fixing the distributor. I think we will need none of these..if we can fix the INVESTOR! I finished an IAP and an investor came and asked me “can you suggest any schemes”. I said no. I said you need an independent financial advisor […]

Is there a Retirement Crisis aka Retirement Timebomb really? well hear what the Americans have to say. Multiply that by 1000 to arrive at the Indian numbers… https://www.advisorperspectives.com/videos/2019/05/16/retirement-crisis

I travel a lot and meet a lot of people..so I meet many people..Here are some of the things that they tell me. I will tell you what they say…and what I hear: Subra you are soo good…I wish I had met you 25 years ago…..CEO of a company. what I hear: “Subra you dare […]

This is the post made after a lot of observation about meeting many many life insurance agents, mutual fund agents, bankers, etc…Let me not bother about writing a text…here is the list of good qualities that you should look for… He is clear in his communication – he says things the way it should be […]

Long long ago (2003 or 2004) I had gone to a mutual fund house to do some “Amfi” training. Well it was a sales call, and we were going there to pitch for their training requirements. A very senior executive (he still reads this blog, and his designation would be a give away) CXO kinda […]