When it comes to saving and investing, people are obsessed with the returns they’re going to get on their money. Whether it’s debating the merits of a particular investment strategy, discussing the pros and cons of insurance, pensions and mutual funds (or increasingly unit linked plans) or simply searching for the best interest rate on […]

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  I have referred to investment risk very many times in the past. This is a really scary risk in the Indian context NOW, as the inflation rates are sky rocketing. What exactly is Inflation risk? Inflation risk is the danger that an increase in price levels (normally for a sustained period of time)  will […]

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In 2007 many people had a lot of funds in equities….in 2013 Indians do not have too much money in equities. So to that extent 2013 does not look like 2007! When will the retail Indians come to the equity market? Difficult to say. The retail investor is scared of the equity markets (not understanding, […]

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When you are in your 20s and 30s which is the biggest asset that you have? House? Car? Mutual funds? No. None of them. Then what is it? It is your future earnings. In Finance terms the NPV of the future cash flow of your earnings. Let us say you are a CA and are […]

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Here is an article about China…..I was getting some sadistic pleasure in doing a small change in the article….and would love it if people DISAGREED with me. I see kids in our office (qualified accountants) putting their money in LIC, Nsc, ppf, kvp, ……without thinking ABOUT real return AT ALL. Sad but true. So read […]

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  At what age should one retire? How much money should a person have for retirement? Is retirement an age or a sum of money? Are there any great activities that I love to do which is PULLING me towards retirement or is the calendar PUSHING me towards retirement? These are questions that an individual […]

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Immaterial of whether you are in your 20’s or in your 50’s and you are looking at an investment you should know some of the basics of investing, so here it is. By and large at some stage you must have been approached by some investment advisor. He (increasingly she) must have offered you mutual […]

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