I was reading / watching about the New Zealand aircraft which took people on a trip to Antartica. Do remember that thousands of flights take off and land exactly at the intended spot. Great. Somebody altered the flight plan of this aircraft – and the plane crashed into Mt. Erebus. Everyday lots of planes take […]

There has to be an extremely dark side of Retirement which does not get reported at all. Indians without money but retired has to be a big number, but we just do not have enough data. Let us look at the dark side of retirement in USA and assume that Indians fare no better. Some […]

This title has nothing to do with the body, let me first make that confession. I have been going around the country asking IFA why they are not doing a TOP UP sip instead of a simple sip. I have been getting various answers, but the most significant one is that the big execution platforms […]

When I go around the country doing IFA training what I notice is the dearth of women IFA. We have women fund managers and remember the youngest CEO is also a very inspiring women, but sadly we do not have enough women IFA. We have had a lot of top bankers, CEO of life insurance […]

There is a big BFSI mafia out there who will not like such a statement. It is in our interest to tell you that you will have to do asset allocation, pick shares, pick funds, read investment literature, go to an adviser, do goal setting,……….phew. When you hear all this it sounds complicated, boring, difficult […]

The most important thing in investing is Behavior control (ok it is a contrived version of Behavioral Finance). If that is so, all investment management (what the IFA does) should be based on “Goal based Investing” which is the book I co-wrote. I would go to the extent of saying that an IFA should spend […]

This is one of the longest bull runs – from 2009 to 2019 – from 9000 to 40,400. What happens when there is a long, slow bull run people start believing that equity markets are PPF on a steroid. Sadly for people like me, there seems to be less choice now, than I had earlier. […]