‘Subra a 4% withdrawal is considered a safe harbor in the US, is the number for India about 7% pa withdrawal’. For me the answer is “I do not know”. Sadly we do not have enough data in India. We do not even know the inflation rate applicable to a family of say 4…which goes […]

brilliant Pappu logic of demonetisation. Really brilliant.   https://www.indiatoday.in/india/video/rahul-gandhi-questions-anil-ambani-s-involvement-in-rafale-deal-1327825-2018-08-30

    Let’s find out whether you need to buy a separate accident insurance and critical care insurance if you already have a health insurance plan? Here are the differences between health insurance, accident insurance, and critical care insurance: Health insurance v/s accident insurance A health insurance has a broader scope in terms of coverage […]

When I was young I would chase companies that would give me a good dividend yield – and it was much later – that I realized that it was called ‘value investing’! Having said that how would you do asset allocation if you were a value investor? would it be different? what if some of […]

When you attend industry body meets you come away feeling that there are too many bull shit jobs going around in the country. Just too many. If we shut down 2 banks every year for the next 10 years, the country will not be poorer. Do so many bankers (broad enough to include insurance and […]

The problem with all regulators is that they speak the language of the strongest player. So the Insurance regulator brought in a rule which said “the rider premium cannot be more than the base product premium”. This was because LIC did not have any riders when Hdfc was selling its critical illness rider as a […]