People outside the financial industry may not realise the ails of the industry! Let us look at the brokerage industry. Not long ago – circa 199o even until 1999, brokerage rates were falling but still was about 2% per transactions. Then the corporate sector war started – chasing the top line to come out with […]

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When we made research reports in the 1990s, we used to have one page on risk factors. One of the risks was ‘Regulatory Risk’ – never bothered about it much.. Now if you are the promoter of a life insurance company, your purse will know what is regulatory risk. Thanks to IRDA’s diktat, all life […]

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In the 1980s the Japanese manufacturing might was hurting the Americans. Clearly US ‘experts’ were talking about how all the manufacturing will now be Japanese. Everybody ‘knew’ that the 1990s will be the decade of the Japan. American cars were useless, American watches were too expensive, – anything that America could, Japan could do better. […]

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