Category Archive: Uncategorized

Nov 12

world markets are in Jitter,what should you do.

Last week was black swan moment. “A black swan,” said thinker Nassim Nicholas Taleb, “is a highly improbable event with three principal characteristics: It is unpredictable; it carries a massive impact; and, after the fact, we concoct an explanation that makes it appear less random, and more predictable, than it was.”   First was the …

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Nov 08

Every country is investing in India to make money. Shouldn’t you?

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    Why do we have brakes in a car? To stop! To reduce speed. To avoid hitting another vehicle or a person. How about “to drive faster”? If you think about it, it makes sense.  Knowing that you have good brakes gives you the courage to speed, to go quickly to your destination. The …

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Feb 07

Withdraw from fixed deposits to meet the monthly expenses for first 3 years.

February 7, 2016:   I am 42. I and was working outside India for the last five years. I returned recently for setting up a business. Till my business stabilises, I am looking for monthly income of ?30,000 without investing in equity. Afterwards, with this money, I want to meet financial goals with regard to …

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Feb 01

This article was published in Feb 1.

I am 35 and work in a private company. My wife is a teacher. Our daughter is in class 5. My mother receives a monthly pension of ?5,000 and has minor health issues. I wish to build a retirement corpus before 60. I have low life expectancy going by family history. I have ?2 lakh …

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Oct 12

To create wealth understand where you are.

I am 46 years old and work in the private sector. I will retire by 58. My wife, aged 42, is a homemaker. I have a son studying in Std 8. My mother is financially independent. I have not saved enough despite working all these years. Should I sell my old flat worth ?45 lakh …

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Sep 25

A floating or fixed rate.

One of the challenges while buying your dream house is the challenge of deciding how much to borrow. And the next big decision to make is whether to go in for a fixed or a floating rate of interest while repaying the loan. Some people lock into a fixed rate because it offers them the …

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Aug 24

Markets are down, what i have to do.

Dear Friends,   Global markets are panic. Indian markets too down but there is no panic here.   Currencies across the world are falling,but Indian currency have shown its resilient.   Why?   Because only market in the world growing at 7 per cent is India.With commodities are down our currency reserves are at 14 …

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Aug 20

Don’t marry asset class.

Data asset 1

The Hindu recently newspaper carried a Press Trust of India news report on Mr. U. K. Sinha, Chief of SEBI.  The report quoted Mr. Sinha as saying that gold, over a 15- to 20-year-period delivered return of 5-6 per cent against 15 per cent delivered by equity. On reading the news item, one of my …

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May 25

Financial Planning – Guess or processed Guess?

Financial planning :- ” A lot of my work with clients is about finding balance between 2 extreme approaches to financial planning. On one hand, we know people who tape their financial goals to their rearview mirrors to remind themselves of exactly what they need to do to meet their goals. And then there’s the …

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May 20

Gold Monetisation scheme and what you should know.

You would have seen today’s news about the Gold Monetisation Scheme and wondered whether it would be useful for you. Here’s what you should know about it: –Customers can bring their idle gold, and get it certified for purity from 350 Hallmarking centres. –You can open a gold savings account with a bank, which will …

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