How NPS can be dangerous
Too many people in the media are obsessed about fund management costs. This is not a bad thing – after all this is the ONLY thing to which we retail investors have access, right. Fund managers on the...
View ArticleWhat is safe leveraging?
Let us get it right, the real rich do not borrow. Never ever for personal expenses, buying assets or personal INVESTING. Borrowing and investing is a very foolish thing to do for most people. Will a...
View ArticleSerious financial mistakes…
Do people make serious financial mistakes? Difficult question to answer, and it also depends on whom to ask. However the question should be framed slightly differently. “Have you made any serious...
View ArticleBad Financial Advice heard from planners…..
We are in the cowboy stage of financial advisers. Let us say something like the 1970s of the stock exchange or the 1940s of the banking industry! Let me list a few: 1. If you do not understand equity...
View ArticleRetirement : Watch Baghban again
Ps: this article is about 5 years old, and they still are floundering. The names have of course been changed, and the airline hidden, but you can guess. Imagine a couple working in Kingfisher! No clue...
View ArticleRetirement or Children’s Education?
Some questions plaguing parents about money have been the following: 1. Should I delay my saving/ investing for retirement BECAUSE I am saving for my children’s education ? 2. Should I dip into my...
View ArticleReal estate, equities or gold?
Where should an investor invest today? Equity markets? Real estate or Gold? – I am assuming that investors look only at these 3 asset classes – I do not know how to invest in horses, oil, other...
View Articlesome mistakes in equities…
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,...
View ArticleDebt Market class….basics
People end up asking me some very basic debt market questions too…so here is an attempt to help them…if they do not know the basics Continuing the debt class, have you ever wondered what assets can you...
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The EMI trap!
Your daughter earns Rs. 44,612 per month as take home salary. You were initially very happy and proud about this. Then 3 months passed, you got her passbook updated, and noticed that she had a balance...
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