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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a variant of this appeared in www.moneycontrol.com DATE OF ORIGINAL ARTICLE: 2007….NOW we are in 2013….please adjust all dates accordingly… Normally people invest to get returns. No doubt, everyone invests for returns. That magic figure governs the fate of all investment products. The logic in people’s minds is simple: The better the returns, the more […]

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  Unless your parents have set the Thames, Ganges, Kosi, Nile on fire, chances are they have not managed their investments well. They may have done well, but it may not have been their strategy – could be luck! So here are somethings that your parents / elders / teachers may tell you…and you should…ignore! […]

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this article appeared in Moneycontrol some time back, but (not surprisingly) not too many people appreciated it. Frankly this is one of the best lessons Independent Financial Advisors can teach their investors. THERE are some word pairs that go hand in hand. When you say one you cant help but think of the other – […]

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Many people have asked me what is the starting point of the “sub-prime” problem. This is really very difficult to answer. Relaxing of credit standards in US, over-leveraging by the Investment banks, spending far, far beyond one’s ability to repay..all of them can be taken to be the starting point. However, 2-3 events are remarkable […]

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