Advisor: Sir Please make this investment, it will get you great returns. Client: How much will it give? Advisor: Sir it will give at least 15% return over the next 5 years Client: That is not exciting. May I have something better… This is such a normal conversation, that I cannot even believe what is […]
When an insurance advisor approaches us, we are normally not in too much of a mood to buy life insurance! So when you are short of money, or if you (or your spouse) have lost your job the first casualty is the life insurance premium! You have just joined the 500,000 people who have lost […]
The key to quality insurance is in choosing a good quality Agent. The word agent comes from the Indian Contract Act, 1872 and it is the Christian name for the guy who brings insurance / mutual fund product to your door step. Nowadays they have various names like Consultant, advisor, and the like, but I […]
This article appeared in moneycontrol.com long back (cicrca 2006)…but it is still relevant, so here it is…. Immaterial of whether you are in your 20’s or in your 50’s and you are looking at an investment you should know some of the basics of investing, so here it is. By and large at some stage […]
I know a few HNI investors. One thing common to all HNI investors is that they do not like to be classified as a “HNI”. This is good for the adviser too, because no 2 HNIs are alike. Some HNIs are well assured of themselves, satisfied with how their life is going and understand their […]
You may have been told by the electronic media how SIP (rupee cost averaging or dollar cost averaging) has failed its investors in the past 3 years. If you have seen such programs / read such articles, you may have panicked, right? Well do not panic. Here is a list of reasons why a SIP […]
When the guy/ girl selling “financial planning solutions” comes to your house and you happily part with the cheque is it her fault for asking or your fault for giving? This is a question I would like to ask all people who complain “I have been mis-sold to”. It is ridiculous that suddenly a retired […]