In every portfolio that I review I see 2 things – say 5 shares give dramatically high returns and the others give decent, bad and terrible returns. So over a 30 year neglected portfolio with an IRR of 20%, it is because of a few in the 30+ range and a few in the 5-6% […]

This is how a conversation with a prospect went … Hi Rohit, Subra here, wanted to talk to you about your Retirement investments, may I ? Rohit: Hi Subra, thanks my IFA Mr. Roland told me about you calling on me. Subra: yup, here I am. Subra:  hi Rohit, you were telling Roland that you […]

It is not very clear about what has happened in Anugrah Stock and Broking – but from the looks of it, welcome to another Ponzi scheme. Not naming the people – you will find their names in the links given below. I suggest that you read the SEBI order, and then tell me why would […]

It is amazing to see the kind of risk that people take with medical insurance! Or rather the kind of insurance that people take! Let me enumerate them.. I know of couples who gave up their own medical insurance when their son / daughter joined a big company which covered them. Now the son/daughter have […]

I could have called it “My Own Boswell” but Late Justice Hidayatullah (Ex Chief Justice and then Vice-President of India) beat me to it. Here is a an article from a regular reader…. They say that “If you don’t look back at your past self from a year ago and feel ashamed, you aren’t progressing […]

When you grow up in Ghatkopar and live there for 3/4ths of your life, most friends tend to be Jains. So over the next few days, a lot of them will call me to say ‘Michhami Dukkadam’. And as is wont, I will repeat it. I am communicating far, far more on my blog than […]

The caveats first – I do not know where the markets are headed. I could have even said “Markets are about to crash” – and it could have been an equally successful clickbait. I do not know where the US Markets are headed, nor about where the Indian markets are headed. Let us look at […]