I am not sure whether many people over the age of 70 read my blog but here is an article dedicated to them. What are the 2 risks in a Retiree portfolio? – running out of money during your last few years – or living too frugally and leaving back just too much for your […]
Many people wanted a lecture on personal finance in Pune…here it is https://www.instamojo.com/Ganesh123/subras-lecture-on-personal-financial-plannin/ saying Going on FB has no meaning…it has to be registered here…on a first come first serve basis about 54 people can be accomodated
It is surprising that Indian mutual funds have not yet launched Target Date funds. It is a big money gatherer in the USA (remember Mutual funds are in the money gathering business not in the money managing business). What is a Target Date Fund and how does it work? Since we are in 2015 let […]
Let me first tell you who is a successful Investor! Who is a successful Investor? To be a successful investor do you: 1. Have to beat the index? 2. Perform better than Warren Buffet, Rakesh Jhunjhunwala, Prashant Jain? Uh…. 3. Get better returns than your classmate, brother in law, friend…(Relative’s return?) NO. To me there […]
Very rarely would a client ask this question, but it is a very important and a tough question. Imagine a prospect asks you this question: “Why should I hire a financial adviser at all, and why you?” Do not think of the current period when you are investing. Think 5, 10 or 20 years into […]
A lot of our life is lived according to our habits. Like getting up from bed, making our bed, brushing our teeth, …the human body loves a routine. Habits and routine save a lot of energy for the brain, and hence the search for a routine. This impacts our investments too. Let us look at […]