So you are 22 years of age and wish to invest in equities, right? Welcome to the very many people who wish to invest in equities, but do not know where to start. First things first. If you are doing a career in medicine, or are a lawyer or any other professional, chances are you […]
Most writers of personal finance have spent half their lives talking about the virtues of compounding, well, at least I have. So not compounding your money is bad. That is done and dusted. What can be worse? Borrowing. Borrowing is worse than not compounding your money – it is a case of NEGATIVE compounding. […]
Subra I heard you are the best person in Cynical Personal Finance training…so I chose to meet you…Let me ask you a few questions Sir: Subra will you please tell me what is Value Investing? Subra: Well, well. “Value investing is the art of picking up shares at a low price, knowing it has value, […]
As the economy gets more open and more connected to the world, investing is becoming and will become more difficult. Once upon a time you bought a HUL, L&T, …(sorry I am saying all this with hindsight bias) and then hoped that life is easy. You joined the government services and were sure that at […]
This may sound very simple, but then simple things which we think are common sense need to be told…right? So what are the 4 crucial factors that determine your retirement corpus amount? Well if you do not know, here are the 4 factors: 1. How much you invest: Many people think that they know […]
a few days ago I had done a lament about the quality of data available in India. It is almost impossible to do stories like: Are most people from Mumbai investing? Are more women investing in 2012 than 2002? or Are IFA assets more sticky than Bank brought assets? or Why are the assets under […]
A few reader queries and their answers: 1) Do you think pension policies from insurance companies make up for a good investment for availing pension? Why or why not? Answer: No. They do not. First of all thanks to some Quixotic regulations no life insurance company is selling a pension plan, so this question […]