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For the past 12 days, France has been burning. Surprisingly the issue is seemingly an innocuous one. The French Govt has increased the retirement age from 62 Years to 64 Years in order to control the burgeoning pension bills. France spends almost 15% of its budget on pensions and has one of the best pension systems in the world for pensioners. For the majority of French people the […]

For over more than 23 years of my profession in the field of investments, I have observed that most people fail to continue their investments for the long term. They start their investments and SIPs with full of energy but after a while their enthusiasm goes for a toss. Then, something or the other would pop up and they would stop their investments. Maybe they would […]

When I studied compound interests for the first time in my class VI, little did I know that this is going to be my future profession. Teaching compounding interest that is or even more precise, teaching the practical aspect of compound interest. I did my graduation in Science and then MBA and studied a number of subjects but what I still remember is this subject of my […]

Writing down our worst possible fears for the tasks we are undertaking can help us tremendously. Once we articulate our worst possible fears and anxieties, it becomes relatively easier to deal with any situation. In most of the cases, one would find that the real risk is much lower than the perceived risk. Doing this exercise for our investment portfolio can also prepare us for future and will […]

Being in the investment advisory line for more than 20 years, I am still amazed at the way the mutual funds are selected. There is an underlying belief among people as well as in the financial media that successful investment is all about selection of right mutual funds. Further, the factors that people generally focus on to select good funds makes the portfolio destined for underperformance. So, here […]

Shut down of Silicon Valley Bank (SVB in short) in America sent a shockwave across the world and brought back memories of the collapse of Lehman Brothers in 2008. Let us see the reason of its collapse and what the implications are for the economies and the investors like you and me. Why this bank caved in- SVB was a specialised bank giving the banking services to […]