Author Archives: Fauji

ULIPS MADE EASY

Posted on August 1, 2012 by Fauji

Aarti Singh is Senior Manager HR in HCL Info Systems. When she started earning she was clueless about finances. She was ignorant.  She just followed the crowd or an agent’s advice. She invested in a few Unit Linked Insurance Plans … Continue reading →

Posted in Insurance, Mutual Funds, Personal Finance | Tagged , , | 2 Comments

LIFE INSURANCE DEMYSTIFIED

Posted on July 17, 2012 by Fauji

Most people I meet or interact with, consider Life Insurance Policies as investment. It is the biggest myth for an investor.  Almost everyday, I get a query on Life Insurance or ULIP or some other insurance plan and invariably the … Continue reading →

Posted in Behavioural Finance, ETF, Insurance | 6 Comments

BETA AND RISK-REWARD RATIO

Posted on July 14, 2012 by Fauji

Daily the TV channels and financial magazines spew forth terminology like risk reward ratio, beta, markets being efficient etc etc. A lot of people I meet, ask me these questions. What is beta? How does it help me in taking … Continue reading →

Posted in Personal Finance, Stock Investing | 2 Comments

ONE OF THE BEST FIXED DEPOSIT FOR RETIRED PERSONNEL

Posted on July 2, 2012 by Fauji

Lt Col Mankoo is a retired officer. He gives me a feedback on my writings. Last time when he met me he asked me some advise on Fixed Deposits of banks. This one is for him and all retired personnel who … Continue reading →

Posted in Fixed Income, Stock Investing | 4 Comments

MUTUAL FUNDS AND NFOs: METHOD IN MADNESS

Posted on June 27, 2012 by Fauji

Almost every one whom I meet these days asks me for one great “stock tip” which could double in one month. If I was as clairvoyant as that, I could have taken a Premature Retirement and relaxed on a beach … Continue reading →

Posted in ETF, Mutual Funds, Personal Finance | 1 Comment

INVESTMENT IN GOLD AND GOLD ETFs

Posted on June 17, 2012 by Fauji

Mukul met me on the golf course and asked me, “I have been buying units of Gold Exchange Traded Funds (Gold ETFs) as an investment. Isn’t it a good idea ?”  

Posted in Bullion, ETF, Personal Finance | Leave a comment

VALUE INVESTING AND TWO VALUE PICKS

Posted on June 11, 2012 by Fauji

Value Investing as a term,  has its genesis in the teachings of Benjamin  Graham and David Dodd who taught  at Columbia Business School in 1928 and subsequently developed the “value investment” paradigm in their 1934 classic, “Security Analysis”, one of … Continue reading →

Posted in Behavioural Finance, Stock Investing, Value Investing | 1 Comment

WHAT IS SHARE MARKET? PART II

Posted on June 7, 2012 by Fauji

In my first part of this series, I had explained what is a share and how a business evolves. Today I shall discuss the much bandied terms like EPS, PE ratio, Dividend etc. A2Burgers Pvt Ltd commenced their business with … Continue reading →

Posted in Personal Finance | Leave a comment

INSURANCE FOR HOME LOAN

Posted on June 1, 2012 by Fauji

While my series on stock investing continues, I have to digress to talk about something which happened today morning. Vikrant Deshpande walked into my office and thanked me for some advice I gave him yesterday. It saved him Rs 408,338. … Continue reading →

Posted in Insurance | 3 Comments

WHAT IS SHARE MARKET? : A BEGINNER’S GUIDE

Posted on May 30, 2012 by Fauji

Two days ago, my 17 year old nephew Shantanu, got his Class XII CBSE and the Common Law Admission Test (CLAT) results. He has cleared the CLAT exam and has made the cut for two Institutes. I congratulated him and … Continue reading →

Posted in Stock Investing | 7 Comments