Category Archives: Personal Finance

HIGHER MUTUAL FUND EXPENSES ALLOWED BY SEBI:WHAT NEXT?

Posted on October 31, 2012 by Fauji

I am just back from a sabbatical to Hongkong and the first thing which hits you when you land at Mumbai is the pathetic infrastructure which we have in the financial capital of a “supposedly aspiring superpower”. At the Mumbai … Continue reading →

Posted in Mutual Funds, Personal Finance, Value Investing | Leave a comment

WHO WANTS TO BE A MILLIONAIRE?

Posted on August 31, 2012 by Fauji

Jude  is a young  officer in the forces. The other day we met at a social do and happened to chat. Jude was interested in stocks but was completely unaware of how it works? Also, he wanted to invest in … Continue reading →

Posted in Behavioural Finance, ETF, Insurance, Mutual Funds, Personal Finance, Real Estate | Leave a comment

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

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

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

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 →

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WHICH IS THE BEST ASSET CLASS TO INVEST IN?

Posted on May 27, 2012 by Fauji

All investors have a very common question, “Which is the best asset class?” They are challenged to know where to put their money. Everyone wants to know which asset class will perform the best and help them meet their financial … Continue reading →

Posted in Bullion, Fixed Income, Insurance, Mutual Funds, Personal Finance, Real Estate, Sensex | 6 Comments

RECOMMENDED BOOKS

Posted on May 24, 2012 by Fauji

A reader of the blog, Bhogal suggested that I include a list of books to read. It was a wonderful suggestion. Many a times we leap into the deep end of the swimming pool called share market  through the tips … Continue reading →

Posted in Behavioural Finance, Personal Finance, Stock Investing | 6 Comments

MONEY DOES NOT GROW ON TREES BUT GROWS LIKE A TREE !!

Posted on May 23, 2012 by Fauji

As a child, I had often heard that money does not grow on trees. One had to work hard for it. There was never a free lunch in life etcetera, etcetera. Then one got caught up in a career, a … Continue reading →

Posted in Behavioural Finance, Personal Finance, Stock Investing | 7 Comments