Every cheque that you write is either an expense, savings or investments. Sadly not everybody knows the difference between the three. In fact todays plan includes telling you that there are 2 types of investment too! OOPS, right? Ok..when you go to a hotel and pay for the food, it is an expense. This […]

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Let us see what your banker says…..and how you should interpret it… It is not easy being a layman today! The amount of ‘advise’ that is dumped on you is stunning. Advise on where to travel, when to travel, how to reduce weight, how to impress your girlfriend / wife / boss/ …, grow your […]

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I move in a completely different social setting….but nowadays I am meeting some people with such ideas too: 1. Best jobs in India are in the Government: Parents (and therefore their children) who believe that the best jobs in India. Funnily this comes from the basic insecurity that private sector hires and fires whimsically. 2. […]

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There are a few Golden Rules of investing…apart from the most important one..’The Man who has the Gold, makes the rules’ …apart from that the other rules are: 1. Do not abdicate financial understanding: “I trust my adviser” is not always a statement of faith. In many cases I know, it is a matter of […]

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If you tell students in life you get what you deserve, or what you choose, they look at you like you are from Mars! Imagine a kid coming to me and saying ‘I want to be an equity analyst’ what should I do? Well the answer is simple – start collecting balance sheets and start […]

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It is very difficult to understand product pricing in Mumbai. One doctor in a Mumbai suburb recently sold off his practice – well he actually sold off his shop. It is not a very big shop…and now an ice-cream parlor has been set up there. Got chatting….with a couple of friends and found that the […]

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Advantages of PMS 1.Personalised asset allocation. The portfolio should be based on your personal investment goals. It would not be just a general strategy like “growth” or “income.” Thus the money that you need in 6 days would be in a savings bank account, money that you require in 6 months in a floater account, […]

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