Equity – a concern or an opportunity
Off late investors are concerned about the basis of continuing the allocation to equity, even for their long term goals like retirement, child education or marriage which are more than ten years away. For the last few years the news headlines speak only about volatility or some new challenges on the economic front like the worsening fiscal deficit, scams involving cabinet ministers, the Euro zone...
Read MoreMedical contingencies – in a larger perspective
Romesh, aged 40 and an engineer by qualification and a businessman by calling, was always a healthy person and had never visited a doctor in recent memory. Jan 2008: He fell sick – antibiotics resolved the problem and after rest he recovered, but again the same thing resurfaced every month for the next 3-4 months despite all the precautions. For the last few years he had a medical illness...
Read MoreHedged, to face any medical situation?
Life is very fragile and even more so is health. Most of the times people take life and health for granted and assume that things are always going to be fine and therefore also take planning for life and medical covers very lightly. Life is becoming very dynamic in every sense with each passing day, be it in the area of work, relationships or health and yet people risk health for the sake of work...
Read MoreInvestors beware !
A Ponzi scheme is a fraudulent investment operation that pays returns to its investors from their own money or the money paid by subsequent investors, rather than from profit earned by the individual or organization running the operation. The scheme is named after Charles Ponzi, who became notorious for using the technique in 1920 in the USA. The Ponzi scheme usually entices investors by...
Read MoreLike Father (Un) like Son
Year 2000:- Our neighbour Sen Uncle retired after a continuous service of thirty five years in a public sector company. He starts to get a regular pension income for life, which is equivalent to fifty per cent of his last income, subject to revision based on inflation. His net worth consists mainly of his employee provident fund (EPF) which would generate income to support his pension, his self...
Read MoreEconomy, Gold and Equity
Gold is the in thing today as a safe haven for most investors with continuous appreciation for many years as against a negative or negligible return from equities. However in the recent budget the finance minister has introduced a speed breaker in the former story and given an incentive for the later. Of the many changes in the last few months, our Government and Reserve Bank of India have...
Read MoreReady For Retirement
Just over a year ago Anurag 52, was back to India from his overseas job, happily retired with the idea of spending the rest of his life with wife Parul, a home maker and a shopping freak by nature and son Akash, a top performer, who was in his last year of Engineering. Anurag had no further commitments towards Akash except providing for his marriage. During his career he has always been a...
Read MoreThe Cost of Procrastination
Procrastination is a habit and habits die hard. The dictionary meaning of procrastination is ‘to delay or to postpone action’. Most of us, sometime or the other procrastinate or delay doing things and only a few of us actually agree or realise. However if we take an example, it shall positively communicate, most of our new year resolution mentions of some or the other way to keep fit either...
Read MoreRetirement Planning
Retirement means different things to different people. To some it might bring a blessed release after the hectic earning years. A time for relaxation, peace, and a time of indulging in all the activities that got missed out before. But for most, retirement conjures up a scary picture – a time of financial insecurity, of having to cut down on most things that one took for granted...
Read MoreUNDERSTANDING EQUITY … THE KEY TO RETURNS
Human psychology connects with SALE / OFFERS as cheap/ bargain buy and so we go bargain hunting and most of the times end up spending more than we had budgeted. As shoppers we all love this idea and so do the retailers be it Raymond, Nike, Dominos, Titan etc., a win-win situation for both and the retailers do it so effectively to make it irresistible. Now it’s a part of life, year on year,...
Read MoreReal Estate Real…ities
Vikram booked a flat in 1991 at the launch of a new project in Mulund, Mumbai @ 1400/- per sq ft aggregating to Rs 1500000/- (rounded off) with the idea of investing as the price aof properties that time was only going up. Not to be left out his cousin Jitendra also decided to jump & invested in late1992 in the same project @ 3200/- per sq ft aggregating approx. Rs 35,00,000/- and the prices...
Read MoreInvestment Returns Vs Investors Returns
We all hear this very often that Equity is a long term asset class of prosperity / growth with its ups & downs in the shorter run, generating above inflation returns over a longer period and also theoretically agree to it. Besides, these points are very well proved during the last 30 year period of the existence of the BSE Sensex. The journey has been full of challenges and not one which...
Read MoreGolden Sentiments
Gold predominantly is of sentimental value to us Indians in particular. Like all asset classes have their price cycles of rise & fall, Gold is hot these days amongst the investing community. Everyone wants to participate in the rally &t ake his slice of the cake. It is having a one way rally for the last couple of years. Lots of stories/theories are floating around with respect to...
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