If there are a few basic investment lessons, and you must know, these are the ones: 1. The earlier you start the better, but TODAY is surely better than Tomorrow. 2. Your total return depends on how much return you get on each portion of your portfolio. So if 10% of your money is in […]

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In 2007 many people had a lot of funds in equities….in 2013 Indians do not have too much money in equities. So to that extent 2013 does not look like 2007! When will the retail Indians come to the equity market? Difficult to say. The retail investor is scared of the equity markets (not understanding, […]

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Many people confuse risk with volatility. Volatility is not risk. It is like saying that the sea having waves is risky. If you build a ship and sell it saying ‘this ship will sail well when there are no waves’ – sounds like a joke, right? This is so bad that ‘Risk adjusted return’ is […]

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Those of you who are following me on Facebook know that I recently ran a full marathon. Only a couple of days before I decided to run, and only on the run day did I decide to run 42.2 km. Running a Marathon has a lot of advantages. It allows you to think – and […]

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  1. Suddenly many jobs are being lost: Remember slowing down, closing down are not words that happen only to somebody else! It happens to the best. Only your salary is certain, the variable salary is really variable. I now know of several people who are EARNING about 60% of their claimed CTC. The variable […]

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Last week a media person asked me a very good question. I thought it deserved a detailed explanation. She said “The world has not seen such a turmoil ever. You can say keep investing in a SIP for 2-3-5 years, but where is the evidence that with so much of volatility, for equities to do […]

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Subra with so much of volatility, is it worthwhile being in equities? You remember the Rs. 3 lakhs that I put in a fund about 4 years ago is up only about 12% – should I sell it and put it in National Savings Certificate? Market has not been good at all for me. It […]

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