It was in the year 200x that you took a Rs. 40,00,000 housing loan. Now 5 years later you are very comfortable with the Rs. 40,000 per month EMI that you are paying. You and your wife find that you can easily increase the EMI to Rs. 50,000 without a sweat. Should you increase the […]

Read More →

It hardly matters whether it is equities or real estate, the reasons why people lose money is so simple to enumerate: 1. Not knowing the difference between trading and investing: they buy some shares, hope it goes up when it does not they sell off. Since they do not know whether they should be averaging […]

Read More →

In the recent past I have made some mistakes in equities…here are a few…. 1. Buying EID PARRY at 155, then averaging at 140: I still do think that sugar being decontrolled is a good thing to happen, but this investment is going to take a long time to make money for me. 3 to […]

Read More →

There is not enough literature or education of how to handle your portfolio during your withdrawing phase. This is obvious – there is no money to be made withdrawing from your portfolio. There is a lot of money to be made while you accumulate it, but NIL when you are withdrawing it. Fair enough, right. […]

Read More →

You hear the words ‘financially free’ or ‘financially independent’ regularly, right? What exactly do these words mean? Well there are a few things that it means: 1. You spend significantly lesser than your income: this is difficult to describe beyond a point. Let us say you are earning Rs. 300,000 a month post tax. Your […]

Read More →

  The equity market is like a lion. When you see it take a couple of steps back, it is not to run away, but to spring with great vigor. Ok this may not sound too great, but you may not have heard it anywhere else too! You have been hearing Bill Gross saying ‘Equity […]

Read More →

  “Let us get the basics right, Subra, if you want to be safe, you should invest in gilt. Equities, equity mutual funds, etc. are for the rich people who read your blog NOT FOR middle class people like me. I am a bank manager and I have all my money in bank fixed deposits. […]

Read More →