The biggest risk in the financial services business today is the Regulatory risk. The more the regulators think that they can prevent frauds and cheating the more they will move into the controls of a business. Sebi has been making a lot of changes in the mutual fund business – there is a good chance […]

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When an insurance adviser approaches us, we are normally not in too much of a mood to buy life insurance! However, his persuasion (perhaps our awakening!) make us buy a life insurance policy. This is not a great product – we hardly get any “personal satisfaction” buying this product. We are now motivated enough to […]

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