All you need to retire is a LEnS
A question many ponder is “what is the amount I need to retire?” Retirement may
3 “S”ins to avoid while saving for your kids college
Parents and prospective parents intuitively understand the importance of college education and are keen to
Don’t put all your eggs in at the same time….
Most of us intuitively understand the concept and benefits of having a diversified portfolio –
Instincts, Intellect, and Investing …….
Behavioural economics gives us excellent insights to leverage our instincts and intellect for investing. Let’s
Wealth creation is value creation
Wealth creation has always been about value creation through innovation and invention. The richest people
Three P’s of investing
Philosophy: Investing philosophy is the set of underlying beliefs that will drive the investment approach.
Your investments in the east will go north
A case for NRI’s to invest in India: If NRI’s were looking for 2 reasons to
Interest in Retirement
Many would like to evaluate their retirement options, plans for retirement are usually based on
Counting small things and making small things count
Making good financial decisions is not all about big decisions, it is also about the
Predictably irrational….
Our bias: We believe that more people die in cyclones or earthquakes as opposed to
Getting time on your side…
Let’s say you believe that team A is an excellent team. If you are betting
The only certainties in life are death and taxes
Tax avoidance is the legal usage of the tax regime to one’s own advantage, to
How to pay the piper….
If you have a financial advisor or a portfolio manager or if you have assets
The average shall generate the wealth…..
Let’s say you have good friend Ashish, who is an “excellent and ethical” businessman. Ashish
Making a financial plan is like working out….
Although all of us know that working out is good for us and most of
It glitters but also fritters….
Indians have a tradition of buying gold, it is almost a borderline obsession. We import
What’s real and what’s not…..
Many of us find it comforting to buy and hold assets that are tangible, like
Good guys don’t always win………………..
Assets under management (AUM) in the India’s mutual fund industry is INR 8,800 billion –
Education pays, lets figure out paying for education…
It’s been established that better educated have a better financial future, greater job satisfaction, enjoy
Life is a lemon and I want my money back….
The most popular insurance product in India seems to be Endowment Policy!! Why? Because we
Let’s use XIRR to combat our mental blocks and optimism bias
I have been discussing with multiple people about their investment performance and realize a lot of us have tendency to block out data (esp of ones with unfavorable outcomes) or have an optimism bias of the returns we have generated in the market.
Only the cautious will enjoy “Achhe din”
Markets have had a run up of about 20% this year and there is a