Well I really do not know the answer. However I can name some of the HNI readers in terms of their net worth.

One reader who reads my blog (not sure how regularly) has a net worth of about Rs. 10,000 crores. Now it does not matter that I do not name him I presume. NO, I am not naming him.

Then there are about 4-5 people in the Rs. 1000 crore net worth – a couple of them sms me and say – ‘you still write every day’. One of the guys says why do you not mention people’s names.

Then there are about 50+ people in the 100 crore + net-worth.

Then there would be friends, classmates, mini celebrities in the 20-100 crore range of net-worth. I will not be able to quantify the numbers in this category.

These are the people I know. Apart from this there could be people in the net worth range, but I do not know them.

Then there are some really well paid employees in the 2-3 crore kinda salary bracket, but I would not know their names and other details. Some of them have retired from very high posts and some continue to be there. Many of them are from the BFSI space and hence their views on the markets really matter. Some of them are my clients for training, some of them are friends, and some of them have been my clients when I was in the brokerage arena.

Then there are many young kids who will see these numbers in awe and wonder whether they will reach these numbers. Hey kids all of you will. Some of you will reach when you are in your 40s, the others will reach in your 60s. That is the magic of ‘n’ or time. If somebody were to tell my Grandad that the house in which he lived is worth upwards of Rs. 100L now, he would be stunned. He got it free. Of course that was in 1929 – and in Central Mumbai !!

The ability to understand what I write obviously varies – there are people who do not know what is equity. There are a few people who have done their PhDs in the capital market space. There is one man who keeps all his money in bank fixed deposits. He can write a 139 page on ‘What is capital market risk’. He is protected by a six digit indexed pension. What more can a son-in-law of the soil want (aka retired baboo(n)).

So it is difficult to write for such a varied audience. Their needs are different, their requirements are different, their holiday destinations are different. Their investments are different. Most of them do not have a written financial plan. None of them in the top bracket have a SIP in a mutual fund. Their expenses have NOTHING to do with their expenses. So much so that you could say that their income and expenses are living apart. Some of them are very generous and some of them are very tight fisted. One of them is very miserly in his real life -but has spent about Rs. 5 crores on building a temple in his hometown. Very difficult to say what is right or wrong. One does not know. Takes a long time.