Whenever I do a program on investments or personal finance, people rush to me, and ask “Are you saying direct investment in equities is so difficult, that we should not do it ourselves?” My answer is normally yes. That is because for most of the people I meet – whether they be Relationship Managers in […]

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This is a cheat sheet on what you need to know about personal financial planning. I cannot blame you if you are already feeling overwhelmed about the kind of financial stuff being thrown at you! Let us get the basics right: 1. Personal financial planning is SIMPLE. This does not mean it gets done, but […]

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  First of all get the basics right…Retirement is expensive, EARN it only then will you deserve it. Even if you plan to retire at say 58…it is not too early to start planning for it when you are say 50 years of age. It is necessary to find something worthwhile to do. It cannot […]

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For most people who have seen a drop in wealth…and do not know what caused it. The most cruel impact the 2003-7 boom has had on people is they believe it can happen again. Subra, I am sure once more the market will move up 7 times in 5 years. We only do not know […]

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No, this is not a post…just a FB type of a comment. When a public issue of L&T Finance was announced (about a year back?)…many of the employees of the L&T group called me. Many of them were thrilled that they would be getting some ‘fixed quota’. I am not sure if I could have […]

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  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 […]

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