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Shankar is a Certified Financial Planner from Chennai, own Credo Capital an AMFI Regd Mutual Fund Advisor for around 8 years now. Interested in helping people invest better and reap long term wealth while ignoring short term noise.

Three type of investors

Investors are of many types. I list broadly the three types in the hope that you can see if you are one of them : I-want-the-best-investment-only-type : This investor has the need to own the best investment that there is, if equities did well over last three years he wants to be in equities and […]

What Howard Marks can teach investors ?

Howard Marks is a billionaire investor who runs Oaktree Capital. Among great investors  the name Howard Marks comes right after Warren Buffett & Charlie Munger. Recently Mr. Marks was in Mumbai  and gave a talk on ” The Truth about Investing”, Though this talk was not open to all, some one who attended the same […]

The 3 most important things in life and investing

Tim Feriss after interviewing about 100 of the most succesful people ranging from a 5 Star general to billionaires (have to tell here that he is one of them himself ) has written that the common thread in all of them can be found in a passage written in a novel in 1922 about a […]

MF Queries answered in Economic Times

1) I want to invest my PF amount of Rs 5 lakhs in a mutual fund for a 5 year period. Which mutual fund will be best for this purpose. I need a 10- 12 % return. Also I am operating Rs 5000 recurring deposit for 5 years for my post retirement period and should […]

As banks lower deposit rates, investors rush to lock money in post offices, govt bonds : Economic Times quotes Credo Capital’s view

Mumbai :  Investors are rushing to lock money into post office deposits and a government bond, which are yet to cut interest rates even as banks lower deposit rates.A bank deposit now pays a maximum of 7%, while post office deposits pay 7.8% and the government bond pays 8%. “There is a rush amongst investors […]

Life before & after De-mo :)

Halfway through their term, the NDA government has unleashed a tsunami by withdrawing 500 & 1000 Rs notes( De-monetization or De-mo in short !). The opinion on the outcome of this move is sharply divided, while no doubt it has caused hardship to people, most have accepted it as the cost to clean the system […]

A tale of two investments

Though we all know the proverb never judge a book by it’s cover, we seldom follow it, the attractiveness of the packaging is a selling point. Over the last 15 odd years spent in advising people on how to manage their money, i have learned the sad fact that packaging sells more than the product. […]

Shantideva on investing !

Yesterday, by any parameter was a remarkable day, every year we get few remarkable days like this, sometimes the news is good but often not. Britain voted in favor of exiting the European Union and this brought down the markets the world over.  This is like a country divorcing from a common union and will […]

The 80/20 Rule of investing or how to make money in investing

Pareto principle or the 80/20 rule is fairly well known simply put it says  20% of inputs is responsible for  80% of results and vice-versa, which goes to show that most results are due to a small number of factors. This seems to hold good in investing too but with a twist. IDFC mutual fund […]

What investors really want

We want to save for tomorrow and spend it today – Meir Statman Prof. Meir Statman’s is the author of the book ” What investors really want “, while many may think it is simple enough as investors want returns, it is not that simple. Let us take a quick look : Prof. Statman says […]