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The other day I met a family who are our clients. The mood was a little sombre because the person had lost his job only a couple of days back. Fortunately the company promised to give him a salary for the next three months and hopefully within that time frame, he will get the suitable job again. But since he was in a quite senior position, getting […]

Sometimes we hear from Investors complaining that their portfolio has delivered lesser return than the funds which some other advisor is suggesting. Yesterday I got one such call from an investor. He complained that his portfolio delivered only 11% compounding over a period of 10 years, whereas the funds which one bank RM was suggesting have delivered 14% compounding return. I think he is not alone in having […]

The other day, I got a call from one of my clients. She had earlier planned for SIPs. But she told me that her bank manager was telling her to avoid investing in funds with high NAV (Net Asset Value). Bank manager further advised her to wait for 2-3 months and then invest because as he said by then the NAV of those funds would come […]

With the continuous changing investment landscape, It becomes quite confusing for the common investors as to how to choose various investment avenues. Sometimes equity performs, sometimes debt and sometimes international funds or gold funds take the lead. Even within equity, there are funds with different market caps and styles which find the flavour from time to time. So, what is the solution? Should we always remain on our […]

SIPs are probably the most effective tool in the hands of small investors to fulfil their financial dreams. They are affordable, easy to implement and take away the pain of making investment decisions again and again. But despite all these obvious benefits, the number of SIP holders is not very high. I estimate that not even 1% of India’s population is investing in SIPs. Even, those […]

No one can dispute that the best way to live life is to live every moment. Rather than dwelling in the thoughts about past & future, live in the now and you will realize that dealing with the challenges of life is not that difficult. But when we do financial planning, we think about future goals. Also, we occasionally refer to our past to understand our beliefs about investments […]