Today there are people who live up to the age of 95 as well as those who die at 59. Some of them have very smartly multiplied their money and some live on a hand to mouth basis. Depending on what your parents have done, and what you have done with your own life, […]

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What is so scary about retirement? The big worry that you will run out of money before you die. Rather you OUTLIVING your money. Is it a fear? I think it is a nightmare especially for those who do not have assets which they are NOT USING, children not doing well, and those women who […]

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When the economy is not doing well or when a company is not doing well, there is tremendous pressure to reduce costs. The accountants are normally the worst persons to come up with suggestions to reduce costs. They will find simple, stupid costs and act like they have done something great. The normal suggestions are: […]

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In the past 10 days 2-3 people have asked me for feedback about 3 financial planners. I do not know the people asking the questions, nor do I know the planners. Obviously I know the names, but I will not name them. I politely said ‘I as a professional will not comment on the work […]

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I watched 5 minutes on a channel that was discussing Financial Advisors. An interesting suggestion came up – one of the panelists said an advisor should get say 20% of the profits and about 10-15% of the losses in a clients portfolio. Brilliant advise. If you do not know what a portfolio manager does and […]

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While filling up a Mutual fund form you are filling up an OFFER DOCUMENT – the mutual fund is making you an offer and you are filling up the form and giving a cheque. If your cheque goes through, the CONTRACT IS COMPLETED. In case of  INSURANCE, you are filling up a PROPOSAL FORM – […]

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I am not sure about the social media and investment advice, but am worried about the people who talk about risk in the media! Let us see some comments: 1. At this point if you are afraid of the markets you should shift to a RISKLESS portfolio of debt funds, FMP and bank deposits. Yuck, […]

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