Hi Subra want to discuss my portfolio with you….when is it a good time to call you? Subra: Lets talk! C: Subra I have these equity shares, ULIPs, and some mutual funds. I hope you will be able to review all of them for me? S: Sure. (Giggle giggle I think I know more than […]
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 […]
An excellent profession / business to do now is the financial planning business. Of course some people call it a profession too. Why am I saying this? Simply because we are in the very early stages of the profession. It is like being in the banking business in the 1900s, in the mutual fund business […]
Are we not sick of hearing the following: The terrorists acts have been a dastardly one…. The culprits will not be allowed to get away with this… It is not an intelligence failure…we had warned the state governments about this….. The Home Minister visited the attack site and made a statement in both the Houses… […]
On the basis of some of the requests and comments, here are some of the examples that I see on a regular basis. These are not by themselves wrong, but in a combination of events, keeps a person poor: a. Refusing to use public transport: Public transport is not the best way to travel […]
This article appeared in MoneyControl….a few MONTHS ago… The market has gone nowhere in the past 4 years. When your financial planner / relationship manager / advisor told you that equities are for the long run he/she also said ‘long run’ means more than one year, correct? Well you invested when the index was 20000 […]
The financial services industry is supposedly well regulated. What with Rbi, Sebi, Irda, …the alphabet soup in place, does it help the retail investor. Sorry, is it supposed to help the retail investor? These are the regulators, what happens with the so called ‘shareholders appointed auditor’? Let us take the case of mutual funds. Most […]