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{ Category Archives } Financial Planning

Things that matter

Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it. – Warren Buffett. Phrases like “market panic”, “mayhem” and “meltdown” are being seen in headlines over what is happening in China, which has been dragging the worlds equity markets down for some time now. As investors […]

Healthy, Wealthy and wise !

Today the media will have a field day as equities crashed by over ‘1000’ points or 3% to put it correctly !. These are normal and Prashanth Krishnan in twitter mentioned that this has happened 55 odd times in last 15 years, I’m sure you don’t remember the last 3% fall, forget the first one […]

Inner vs outer score card

“If the world couldn’t see your results, would you rather be thought of as the world’s greatest investor but in reality have the world’s worst record? Or be thought of as the world’s worst investor when you were actually the best?” – Warren Buffett. The answer to this question would tell what kind of score […]

3 Simple steps to stress free investing

  1. Check and collate all of your investments : Be it Insurance, Mutual Fund, shares, bonds, FD, anything. Put it all one folder, use a good spreadsheet or software ( we use Mprofit)  to track all of it in one place. This will not only help you know where you stand but also help […]

Play now and pay later !

Better be a ploughman (worker) on your legs than a gentleman on your knees (seemingly rich but in debt) – Benjamin Franklin Muthu recently wrote a blog on what is short and long term http://wisewealthadvisors.com/2015/05/24/short-term-and-long-term/ thought i will expand on it a bit. Short Term : Play now and pay later Long Term : Think […]

High end investing and low end returns

Most of us dream of owning a high end car or bike ( Harley this or BMW that ) because those vehicles arguably are the best in class and are seen as exclusive.  This works exactly opposite in investments. Many people, especially the high net worth investors get caught in this trap of exclusivity-is-better while […]

Three myths about equity investing.

  Myth No 1. Only rich can invest, for middle class only PPF and other savings makes sense : Not really, while PPF and other deposits give around 8-9% p.a returns over 15 years  equity funds have given around 14%p.a to 20% p.a. One lakh invested in equity funds ( see picture below) is valued […]

Whataydeal whatafeel !!

The now famous ad from an online retailer has a song Whataydeal, whatafeel. For a few days the retailer had announced discounts hence the advt. The nice video of happy shoppers dancing to the song is a great ad which reinforces that we are always happy getting a good deal. This sadly however does not […]

After all, what can 500 Rs p.m grow to?

The letter below,written by a dad, whose 7 year old son saved 500 Rs per month and gave to his dad for investing. Think his dad wanted to teach him about investing in a disciplined way through mutual funds so gave this amount as pocket money. Before you say nice story and move on, as […]

From 1 to 100, How 1% change can bring success.

What did Dave Brailsford , a British cycling coach, do to make his team win the famed Tour de france cycling tournament? And, how can it make you a better investor? We all know “Save more, Invest better, Spend less” is the solution to our financial problems. Don’t we? We need money for various reasons including […]