Where should an investor invest today? Equity markets? Real estate or Gold? – I am assuming that investors look only at these 3 asset classes – I do not know how to invest in horses, oil, other commodities etc. so I will stick to these 3 asset classes… Let us start with Equities. If some […]

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You hear often ‘The Rich are getting Richer….’ have you wondered why? The main reasons: a. The power of compounding b. Income far, far greater than expenditure c. Understanding the Wealth Virtuous Cycle d. Ability to take risk e. Deep wealth buckets ensuring no asset class is ever reduced to zero In the real world […]

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Well being cynical is one sure way to make people think, right? Not sure but I keep trying it all the time. ‘Sir your income will increase by 12% every year so you can increase your SIP contribution …..’ ‘Like Subra says ‘If you give up the Barista coffee which you have everyday and instead […]

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Thanks to Rich Dad Poor Dad (then bankrupt Dad too!) many people know what are assets and what are liabilities…I am making ONE more distinction…. Assets: are those assets which increase your REAL NETWORTH (NW) Assets: that  increase your nominal NETWORTH Assets: that are essential for your living and usage Assets (liabilities!): that are not […]

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When any asset class goes up and keeps going up…people start finding reasons for the same. Normally you cannot find a reason. When you cannot find a reason, you have to say ‘Buyers are more than Sellers, so prices are going up’. Hey, this is just not sexy enough for our media. Imagine me going […]

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Many articles in the media sound like PR handouts of the BFSI space, and it makes for amusing reading. Let us take articles saying ‘an income fund or a liquid fund is better than a bank deposit because it is tax efficient….etc. I do agree with that logic, and I do think that income funds […]

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What is a valentine post doing in a financial blog? Well , well, I should have said: Will you be my financial valentine? In this era of boys and girls earning equal amounts, both of them have equal responsibility in managing the money too. Obviously nothing in our education system teaches them this basic skill…and […]

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