this is a very complicated topic and people use some questionnaire.. Asset allocation should take a full view – of the Husband’s job /business, residential house or own, inherited house or bought, whether EMI is being paid…. here is what I said… https://www.youtube.com/watch?v=Zrp72M1nq7Q  

I have a mazed myself with the accuracy with which I can predict the markets. I must also admit that I do not trust myself at all with my predictions, so I do not use it much. And since it is not of much use to me, I happily share it. CAVEAT: THIS is my […]

When most of the people in the financial education business tell you “take term life insurance” people do understand. However, the industry is very smart. They come out with derivatives of the good product and create toxic products. So while term insurance is good, there is a derivative called “term insruance with return of premium” […]

Now that we all are under lockdown with more time on our hands let me tell you some secret tips. I am not going to get into what is a credit card, good bad or ugly, we all know that bit. Today lets figure out how we can get smarter with a credit card. First […]

Many people have asked me the following questions.. Name a scheme in which to do a new SIP Should I put more money into equities? Should I remove money from equities? Should I do asset reallocation because of the fall? Should I invest in gold? Should I put money in debt till 15th April and […]

this article appeared in Reputation Today dated 6th Feb… Mindful Engagement – The Key to Crisis Management A recent piece of news that caught my attention was that the Chairman and CEO of Edelweiss, Rashesh Shah was summoned by ED in connection with its dealing with Capstone, which is accused of the Foreign Exchange Management […]

Not sure how many of you remember seeing / reading this article in September 2019. Not very long ago….right? http://www.subramoney.com/2019/09/market-crash-inevitable/?frame-nonce=0991107404