Should you buy an annuity – is not an easy question to answer. The more the number of people that you ask, the more will be the answers. It depends on a lot of factors. An inexperienced financial adviser is likely to tell you that the annuity is a very poor investment and should be […]
It is customary for personal finance advisers to harp on an early start. Let us say you are a little late bloomer and you started late. Or you are about to start, do not kill yourself with guilt. Maybe you have/had parents to support. Maybe you spent your money on your siblings. Maybe …there could […]
all are true…some are fun too! If you are not sure whether you are saving enough for retirement, you are NOT. The easiest way to outlive your money is to die early, but that may not be such a simple option. If you bought a pension plan to save taxes, that money will pay for […]
Is the concept of retirement dead? I know for some people who would have liked to work till age 92 but were forcibly retired at 58 this sounds wrong, but most of us retirement is likely to be far less traumatic! Will we just lie down and say ‘oh I am 58 and will not […]
For most Subramoney readers this title should not come as a surprise. I have been an advocate of start early, keep increasing and get equity oriented in your investing…so this is a good question to ask. In a perfect world a fee only financial planner should be able to tell you how much you would […]
It saddens me to see people trying to do their own financial planning while lacking the discipline / interest in understanding how it is to be done! If you are not diligent, thorough, clinical, and unbiased in your approach it is really difficult to build a nice portfolio! Let us take a look at the […]
Bucket theory of portfolio management….i hope you have heard it. Instead of saying what it is, let me describe a case study – and you will understand it better! Mr. A is a retired person (retired means does not do any activity to earn money, and he is fully dependent on his portfolio for his […]