There are so many people today masquerading as financial planners, financial trainers, financial experts on media…I was amused when I heard the statement ‘Equity markets give good average returns’. If you ask me this is brilliant but useless advice! Why?… Read more
Category: Investment planning
What a broker does not want to tell you, ever!
Almost every second ad today urges you to trade. Equities, Debt, Money Market, Forex, Commodities, why even Real Estate flipping! Fairly obvious to these invites there are risks involved – and obviously only jokers like me look at risk! Here… Read more
Who should be in equities?
To be invested in equities I normally look for the following characteristics in an individual. Will enumerate them here, but when I make such a statement, I mean really heavily in equities – like say 85% on a portfolio BELOW… Read more
Market is simple to understand
The equity markets are simple to understand except if you try to use too much intelligence. The markets (internationally) is driven by various factors – macro and micro. The 3 important factors that one speaks of while talking market valuation… Read more
How Investors lose money?
One very important reason for people to lose money in the stock market is SELLING WHEN YOU ARE FORCED TO, NOT WHEN YOU CAN. Let us see what went wrong with one of the portfolios that I used to know…. Read more
Excuses for not investing
Except investing more and investing for a longer period MAN will do anything to increase his wealth. Fairly obviously the person who starts early, invests more, for a longer period WILL have more money in the corpus assuming the same… Read more
Portfolio Construction: steps
What is portfolio construction? Let me start in the correct order: Setting your Goals Making your Investment Philosophy Statement Understanding Asset allocation Next step is Portfolio construction. Once you have decided to do Goal Based Investing, set your goals, made… Read more
What scares me in a mutual fund today
It must have been in 1998/9 when I heard about SIP for the first time from Suraj of Franklin Templeton – he now is the boss man in UTI. A fan of SIP me and many others like me have… Read more
It is foolish to plan…or is it?
I wrote a piece on ‘Make your own financial plan’ – this appeared on yahoo finance and some of you may have read it. What is amazing is the response that I have got for the same. Largely saying the… Read more
Do you need an investment advisor? Or a Mentor?
Investing is Simple. Do not confuse it for being easy. It is like going for a morning walk. Or going on a diet. Simple to describe, not EASY to do. If you are a young kid smart enough and more… Read more