May 21

THE BEST INVESTMENT FOR A PASSIVE INVESTOR

The other day, I got a call from one of my golf buddies. He asked a very innocuous question, “I am having a lot of mutual funds in my portfolio, what should I do?” I gave a very simple reply, “Sell all of them and only buy a Nifty based Exchange Traded Fund (ETF). Buy …

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May 19

WHAT IS THE RIGHT LEVEL OF SENSEX TO INVEST IN STOCK MARKETS?

The most puzzling question for a lay investor is when to invest in the stock markets and when to exit them. The theory of looking at stock market indices to decide the time of investment was first taught to me by  Raghu Iyer, at SPJIMR, Mumbai when I did my MBA in Finance. But I …

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May 19

FIGHT AND FLIGHT

In my last post I had talked of Need vs Greed. I shall this time, write about the primordial basic instinct of flight vs fight. In times of financial crises, the common investor also has a similar dilemma. Unfortunately 95% of the so-called-investors, flee the markets when any bubble bursts. Take the sub-prime crisis which …

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May 18

NEED versus GREED

One day Colonel Sridhar asked me a very innocuous question, “I have to pay an installment for  my house. When should I sell my mutual fund (MF) holdings?” I could not tell him that he had made a major staff duties (SD) mistake. He had made a fundamental flaw of financing his Need from Greed. …

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May 18

Personal Financial Advisor and What this site is all about

 The subject of personal  finance involves a lot of emotional discipline, patience and knowledge. My blogs on this site shall be an attempt to simplify financial jargon and understanding of basic finances pertaining to a common investor. Anyone who reads this blog is literate but how many of us are financially literate?  As a friend …

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