You have decided to retire at 55 and now you are 45. Let’s see what steps you need to take NOW for retirement. Retirement means different things to different people. For somebody it is a push retirement (the company is forcing you to go) and for some it is a pull retirement (you want to […]
Lots of Retirement meetings – IFA and IAP – so here are some of the learning and some tips for you. Actually I have lots…here are a few…did not count… Earn Well, Spend sensibly, and Importantly Invest Intelligently. Max your PPF ONLY when you are investing at least Rs. 10L p.a. Open a PPF as […]
When you are investing you need to know your financial goals. At retirement it is necessary to know your financial and lifestyle goals. Mostly people cannot identify their discretionary and non-discretionary expenses clearly. Hence estimating their total retirement requirements becomes very difficult. That brings us to a very important part of Retirement planning. Identifying the […]
We are all traders – with a 30 minute view or a 30 year view that is all. We do think that by holding on to a share for a longer time we will make more money and hence we are not selling it off today. When I bought Orkay, Nirlon, Cadbury, Kodak, Hoganas, I […]
At the outset let me tell you that I do not think it is the job of an Advisor to create alpha. His job is to help the client write down his achievable goals, chart a plan and make sure that the investor sticks to the plan. Having said that in a competitive world where […]
It is a nice question to ask – how do people invest? what is investing a function of? Fairly obviously investing by an individual happens based on many things – a. Own past life experience: a person is influenced by his parents, friends, real life experiences, etc. For example a person who was caught in […]
Are we in a bear market or a bull market? Odd question right? With the Sensex hitting all time highs, why am I even asking this question? Simply because we do not invest in markets. We invest in individual shares. So there are portions of the market which have just not participated in the rally. […]