Ok not exactly poor, but you are 30 years old, married to a 28 year old earning well but BROKE. Poor maybe too harsh – but if all you have to show for 6 years of working is say Rs. 10 lakhs in the bank, well you are almost there. Your story? Let me tell […]

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Let us take a real life case and see what is to be done when you have a lump-sum amount. Should you repay the loan amount or should you Invest that money? The sad part is YOU need to take a decision TODAY and you will be judged (you may be the judge) after 5, […]

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One reader (SR)  sent me some details like age etc. and asked me “Can I Retire, my age is 41 years”. Answers like ‘yes’ or ‘no’ is perhaps very easy to give. Completely irresponsible too. Let me explain. If I were a doctor and a 41 year old man came and said ‘this is my […]

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There is not enough literature or education of how to handle your portfolio during your withdrawing phase. This is obvious – there is no money to be made withdrawing from your portfolio. There is a lot of money to be made while you accumulate it, but NIL when you are withdrawing it. Fair enough, right. […]

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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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Well being cynical is one sure way to make people think, right? Not sure but I keep trying it all the time. ‘Sir your income will increase by 12% every year so you can increase your SIP contribution …..’ ‘Like Subra says ‘If you give up the Barista coffee which you have everyday and instead […]

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  One person came to me saying ‘This is a financial plan that my planner has done, is it good?’. The plan was elaborate – cash flows for 10 years into the future, what product for each goal, rate of return assumption, – all this was there. It ran into 59 pages and could be […]

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