If there is only one number that you are going to track in your personal finance life, then it has to be your NET WORTH. I am assuming that all of you know that Net Worth (NW) . Ok NW is YOUR financial assets minus financial liabilities = amount of money that is working towards […]

We all have our biases for sure, and sometimes it works for us, and sometimes it can hurt very badly. One of the biggest risks is called sequence of returns risk. If the first few years you get poor returns, your portfolio can get annihilated. Check whether your retirement portfolio is aligned favoring your retirement. […]

Fund management is about processes, and I like fund houses with a good process, and smart people. Smart people means those people – Anand Radhakrishnan or Roshi Jain – in this case who know that the process is more important than the people who run them. Now I have a funny problem. I have been […]

Training takes me to various places and I meet different people of different hues! I always wondered why running a house is not considered an achievement. I met a 27 year old mother of 2 kids travelling from a small town near Jaipur to Erode (a small town near Coimbatore). This means a morning trip […]

It hardly matters who is the real estate buyer – when they come out of the deal, they tell you how they got great returns. You are not keen to puncture their ego. So here is the case of 2 people – I will give you the numbers of one person. He had bought a […]

Long ago I had done an article “financial milestones by age 32” – this is a late sequel to the same. http://www.subramoney.com/2018/10/financial-milestones-by-age-32/ http://www.subramoney.com/2018/10/financial-milestones-by-age-32/ You have learnt all the basics about investing and therefore have a 6 month expense set aside in an emergency fund. In a combination of liquid funds, savings account and ultrashort bond […]

One thing I have earned a lot in the last 20 years of training and 11 years of blogging is tons of Goodwill across the country. I met one man who has been reading EVERY post of mine for the past 11 years..and has increased his sitting tight ability and has invested only in 2-3 […]