“The figures don’t lie”, however ‘liars figure’ a way of telling the story. This is a saying I have often uttered over my career – a career spanning investing, brokerage, advisory, and of course audit, law and equity research.  An occupational hazard of a career in the personal finance industry – in training and blogging […]

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By the end of this week, you will be inundated with ‘resolutions’, ‘budgets’ etc. So obviously this is one more attempt. I know many young couples struggling to make a budget, then not liking what they are doing and soon abandoning it. Some others of course, have not even made a start and they keep […]

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The title saying X number of rules of personal finance is just to put pressure on myself to think of so many rules. If I do not reach that figure I will repeat myself, and you are not supposed to think it is senility. I heard senility and the ability to make correct financial decisions […]

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Many people ask me for a) books on investing b) degrees of investing and a few people ask me ‘will you coach/ mentor me to be a good investor? I do believe that to be a great investor you need to be an Exec Assistant to say a good businessman like Mukesh Ambani or an […]

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When you have lived long enough on the planet, you have one great thing – the ability to look back. Obviously I can look back on investing and can look back about 37 years – when I started. It is also the same age as the relationship with my friend / philosopher / guide / […]

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What return will you get on your portfolio? Ask this question to 100 investors, and if they are also investing in equity mutual funds their answer will vary from 14 to 24% depending on how smartly their IFA has convinced them about 19% + dividends as the historic Indian average. In fact I have met […]

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It may sound quite obvious, but ACCOUNTABILITY is vitally important for the success of an organisation or a PORTFOLIO. Many people who start their own business are never accountable to ANYBODY for their organisation’s success. Imagine a 32 year old leaving his job to start his own business. He can just rot and do nothing. […]

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