The most important thing about a regulator is he speaks in the language of the MOST powerful player. Period. So if it is RBI he will speak in the same tone as State Bank of India. If it is Insurance, it will sound like LIC and in case of mutual funds it used to be […]
Today sadly, there is no pension plan which meets all your requirements. For example Templeton and UTI (both asset management companies) have a pension plan – and it is a one size fits all type of a plan. Typically a pension plan should have various options at the ACCUMULATION stage – when a person is […]
Anybody who comes on television says ‘there is a huge demand for infrastructure, so invest in infrastructure’ -brilliant argument, completely wrong. Experts, if you have forgotten your basic Economics, here is the answer: Demand = Need for a product + Ability to pay+ Willingness to pay. Let us look at another product: Pensions. Who […]
Amazed that in a country where every data and content aggregator wants your data and articles free….there is speakasia.com! They want to pay me for MY OPINION and the opinion of other people that I am able to collect. More amazing that people believe that this is a marketable product and 19 lakh people are […]
Seen some fantastic stories on the mutual fund industry. There is only one problem, you cannot drill down from the story…if you do that, you will quickly find ‘page not found’. See some typical terminology ‘There is rampant mis-selling in the mutual fund industry – and this should stop’. So out of sheer curiosity you […]
Vijay Venkatram of wealth forum …has done a detailed analysis of the mutual fund industry. He is asking a question uppermost in most people’s mind -are the men getting separated from the boys? Personally I wish he had done an analysis with just the equity fund – as one of the tables- which could perhaps […]
Regulators have a terrific ability to speak the language of the most dominant player. Have you observed that? When Hdfc Standard Life Insurance came out with ‘riders’ – fairly obviously some riders were priced more than the death main clause (will not go into the reasons here). This meant you could take a ‘Term life […]