Some questions plaguing parents about money have been the following: 1. Should I delay my saving/ investing for retirement BECAUSE I am saving for my children’s education ? 2. Should I dip into my Retirement kitty to pay for my children’s education ? Sadly in the Indian context education is just a broad word I […]
I have referred to investment risk very many times in the past. This is a really scary risk in the Indian context NOW, as the inflation rates are sky rocketing. What exactly is Inflation risk? Inflation risk is the danger that an increase in price levels (normally for a sustained period of time) will […]
Adam Scott’s secret nine point formula is here and many people have said it deserves the Nobel prize. Ha simplicity is in. However all the people who want simplicity in THEORY actually LOVE to make their lives more COMPLEX. Given a choice between Idli and Aloo Parathan if you choose A.P, remember you are choosing […]
Good and a valid question. Actually in the Indian context we do not know how much the regulators will talk to each other! For example if RBI, SEBI, MCA, IRDA, …et al spoke to each other you may not have to file the same document with each of the authorities. If MCA, for e.g. regularly […]
Thanks to the media everybody now knows about the NPS. At the end of training sessions people do ask…’Is the NPS suitable for me?”. Well that is a difficult question to answer. Let me tell you for whom NPS is not suitable at all! If you are young: If you are below the age of […]
Oh no this is not in the Indian context, but when you use Google to tag some stories…you do hit on some interesting stories. A few days back Balakrishnan had written a page on the Moneylife site why you should buy from a bank relationship manager. I said chuckle, chuckle. Had neither the intent, willingness […]
“Past performance is not an indicator of future performance” — the literature of every mutual fund you own, mentions something to this effect. In fact once, when I was lecturing at a mutual fund house, which was not performing well, one of the managers said, jocularly, “Can we say our past non-performance is not an […]