In all public forum nowadays (and even earlier) there is a tendency to blame the distributor. Let us see a typical debt market presentation: Fund manager: Hello, today we are going to talk about debt funds ‘Debt funds have done extremely well over the past few years….’ Journalist: Why is there no retail participation? FM: […]

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Well this is not an article on Exchange Traded funds, but there is a link at the bottom which will take you an ETF article. The financial services industry (like all other industries) is very smart. Highly qualified people – from CPAs, CAs. CFAs, engineers, PhDs…..have to be kept intellectually occupied and financially happy. To […]

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Many good fund managers are beating the Sensex and the Nifty by a long margin. I am also seeing many individuals (yes the kind of people I meet is skewed) beating the index, and many times by a big margin. This is also because when I see my own portfolio (or my families portfolio) there […]

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Many people have been asking me this question…’You say all this…but where do you invest?’. Well very clearly I invest only in equities. Other than a small amount in debt (which should be say next 4-5 years household expenses) + some money in PPF and planning to open a Senior Citizen Yojana a/c for my […]

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For most readers of my blog this is an avoidable post. My simple, sincere, honest advice is stay away from options. However there are some die hard borrowers (leverage lovers) for whom options are tempting…and many times fatal. Options are risky is a right statement for investors. However if you are a trader who holds […]

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Everybody who sings about one of the best and perhaps smartest businessmen in the world they forget his fees. Warren Buffet charges 25% of the profits as fees from people whose funds he manages. How many people are willing to pay that kind of fees? IN ADVANCE, not 30 years later in retrospect… Remember the […]

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Many organisations have a designation called the ‘Wealth’ manager. I have often wondered about the enormity of this task. You really have to be a friend of the client and you actually need only about 30-40 clients of good size to make a decent living. How is a wealth manager different from a Financial Planner. […]

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