Trust and Investments have Perfect Positive Correlation.

One would typically invest their money in an asset where they have trust and conviction. Trust can be driven by multiple factors; it could be on the management, business model, governance, government and the like.It is also implied when distrust comes in, capital goes out! Research firm Edelman Berland released its ...

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Rumi web

Rumi – The Pragmatist?

I came across this beautiful quote which is attributed to that great Sufi mystic, Rumi, at a recent workshop that I had attended. Was this a workshop on poetry or Sufism? No, far from it - it was about Life Planning, a subject of professional interest to me. The first emotion ...

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3 Pointers to Asset Allocation

How does one arrive at an ideal mix of assets for ones’ investment portfolio? How much of it can be low risk and how much higher risk bearing? There are any numbers of psychometric tests online and with any financial planner, but what are the basic principles? The importance of time ...

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Who is a Financial Advisor & what is their importance?

“Health is Wealth”- but it doesn’t mean being healthy make people wealthy right. So after health the second thing we need to care about is our wealth. Have you checked the health of your wealth? Have you consulted a wealth doctor ever? Yes you read it right. What I mean ...

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10 Things to get Right before ploughing your savings into a start-up

I have seen more wannabe entrepreneurs failing for lack of planning than for lack of a unique idea. Having spent so many years as a Financial Planner and also as a mentor to start-up entrepreneurs at Founder Institute, some of the insights I have gained reveal that planning and execution ...

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interest blog

Will They, Won’t They?

One of the biggest threats that the equity and bond markets in India face this year is the impending interest rate hike by the Fed. Interest rates in the US have been zero since 2008 and since the US economy is on the path to recovery a hike in the ...

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Oil & Gas

Shale gas revolution – Shot in the foot

No doubt US identified huge Shale gas reserves, which in itself was a revolution. But, they missed in recognising the law of supply and demand! The problem started when Shale drillers spent money faster than they have made it. Shale industry has been a big swing factor in supply of oil, ...

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75 Bps Rate cut so far…..Is it!!?

Since Jan 2015, RBI has reduced the interest rates totally by 75 bps but what does it mean to the end user? Has that rate cut been passed on to the customers? So far the banks have only transferred 15 bps to 25 bps of rate cut to the borrowers. ...

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Evaluate IPO

Evaluating an IPO

Buying into an IPO with a long term perspective requires an examination of the fundamentals of the company. The main parameters can be divided into the 4Ps - Promoters, Performance, Prospects and Price. Promoters: A strong management track record is a very important factor during evaluation - management experience in the ...

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