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?

    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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Oct 15

Dog,Elephant and investments.

An elephant and a dog became pregnant at same time. Three months down the line the dog gave birth to six puppies. Six months later the dog as pregnant again, and nine months on it gave birth to another dozen puppies. The pattern continued. ….. On the eighteenth month the dog approached the elephant questioning, …

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Oct 04

Weather and equity markets.

Often i get lots of story in Whatsapp. Instead of just forward, i decided to convert the story for a investment lesson.. Here its  ………………….. A  man had four sons. He sent each of them to go look at a pear tree that was a great distance away. The first son went in winter, the …

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Sep 28

Black Dot and wealth creation.

  This story has a simple , yet important message. Sometimes its the simple stories that make us ponder the most…One day a trainer entered training hall  and asked his participants to prepare for a surprise test. They all waited anxiously at their desk for the exam to begin.The trainer handed out the exams with …

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Sep 11

Taking loan for overseas education plan back up.

            I am 48. I work in a private sector company and my wife works as a lecturer. My son, 20, is completing his engineering and my daughter is studying plus one. My concern is with my ?35-lakh loan. Is it good to send my son for overseas education? My …

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Sep 04

Let out property claim entire interest paid on home loan

  I am a 42-year-old IT professional. I intend to work until I turn 65. My wife is a home-maker. My daughter is 12 and son, eight. I plan to sell my mutual funds and stocks to make pre-payment and reduce my EMI to match my rental income of ?15,000. Please advise. Ganapathy You can …

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Aug 29

Be reasonable with financial goal target.

  I am 40, working in a PSU. My wife is a homemaker. My elder son is in class 6 and the younger one in class 1. I am expecting salary hikes from 2017. I wish to enrol my son into IIT, for which I wish to spend for coaching. Do suggest investment options to …

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Aug 17

If you are in transferable job buy land and construct latter.

August 17, 2014:   I am 31 and work for a public sector bank. My wife is a homemaker and my daughter is two. The job is transferable and my bank provides me with leased accommodation at the place of posting. I am eligible for a housing loan of ?20 lakh at simple interest rate …

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Aug 07

With Limited surplus prioritise the goals

  I am 40, working in an engineering company. My wife works in the private sector. My son is 11 and my daughter five. We are covered under group health insurance. Both of us have endowment cover for ?5 lakh. My EPF balance is ?3 lakh and that of my wife’s is ?2 lakh. Our …

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