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Remember the famous speech by Martin Luther King- “I have a dream”. One of the most profound speeches of all time. This speech is most famous for the articulation of his dream which was the dream of countless Americans. This speech is still the guiding light for people who are fighting for civil liberty and equality all around the world. The beauty of a dream is that […]

With the advent of so many payment systems making payments has become very easy and smooth. The use of cash is virtually getting extinct. There are the stories of people who have managed with almost no cash during covid lockdown or even during demonetisation. But with all the ease of doing transactions through digital mode, the risk of unconscious spending is on the rise. Making payments has […]

One of my clients is always very keen to include all the possible investments with the hope that this will make her portfolio well diversified. She insists on investing in Endowment policies, ULIPs, Pension plans, PMS, fixed deposits, mutual funds and in direct stocks. But does investing in all these investments provide sufficient diversification? The answer is emphatic no. This reckless accumulation of investment avenues only increases the […]

Motivational Guru Anthony Robbins says “The quality of your questions determines the quality of your life”.  In the investment parlance, I would like to say ” The quality of your questions determines the quality of your portfolio”. In most of the cases, investors ask these questions- How is the market these days? What do you see the market behave in the near future? Should I invest or wait […]

There is a debate going around the basic structure of our constitution. Except for a few different tunes, the majority of experts believe that the basic structure like supremacy of the constitution, unit and sovereignty of India, democratic and republican form of Government etc should always remain intact. There cannot be any tinkering with the basic structure. Similarly, your financial plan also has a core or basic structure, […]

Generally, lethargy is considered as bad. Be active, be decisive, this is what we are advised. But lethargy can be very helpful for investment success. In fact, being overactive is counterproductive. We will discuss that later but first about lethargy. Taking investment decisions always looks difficult and challenging. Where should I invest? Is this a good time to invest or should I wait? Which is a good […]