Myth: Time in the market is more important that timing the market. This says that the longer you stay invested, the more chances of you making money. Again, only partly true. Good investors know that timing is all. While no one can call market peaks or troughs correctly all the time, we all can figure […]

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People end up asking me some very basic debt market questions too…so here is an attempt to help them…if they do not know the basics Continuing the debt class, have you ever wondered what assets can you invest in to meet your debt requirement? Well there are many – and most of them you know […]

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A few days ago I did a post about risk….here are some solutions.. 1. If husband and wife are working in the same industry or worse in the same company, try to change the situation, NOW. 2. Take a stand alone or a floater MEDICAL INSURANCE  policy for say Rs. 3 lakhs for self and […]

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If at a later date dictionary the word ‘inefficient’ is associated with personal finance, remember you read it here first. This post was triggered by a visit to a friend’s house last week. To be fair to him he had been calling me for a few months and I found the willingness only now. He […]

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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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Myth: Time in the market is more important that timing the market. This says that the longer you stay invested, the more chances of you making money. Again, only partly true. Good investors know that timing is all. While no one can call market peaks or troughs correctly all the time, we all can figure […]

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A few days ago India’s largest bank dropped its interest rates on home loans to 8%. This is nothing short of sensational – considering that at the same time one of the top Indian groups (let us say Bluest of Blue) are willing to borrow in the same market at 12% per annum! However, I […]

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