The Real Cost of Fee on Portfolio Returns

The Real Cost of Fee on Portfolio Returns

Over the last week there has been a spurt in discussions on the traditional insurance cum savings products and how they are misunderstood by investors in India. Many of us know that these products have multiple layers of charges that make them difficult to understand and operate. So I thought of highlighting how the investment returns differ with different levels of Fee charged by the investment service providers. Continue reading “The Real Cost of Fee on Portfolio Returns”

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Financial Literacy for Children

Financial Literacy for Children

Talking to a colleague about Financial Literacy – we figured out how Financial Literacy is almost missing at schools and in most families money as a topic is not talked about. In schools children are learning the formulas for simple interest & compounding but not in the context of money and how it relates to their lives. At home on the other hand Continue reading “Financial Literacy for Children”

Life Insurance karaya kya?

Life Insurance karaya kya?

“Life Insurance karaya kya (Did you get Life Insurance done?)” – Typically this is part of all water cooler conversations in the last quarter of the financial quarter (Jan-Mar). Earlier in the year the savings declarations have been done and now the Damocles sword is hanging to pay some insurance premium before 31-Mar due date. Having figured out that most of the life insurance policies are sold at this time of the year, the Insurance companies also release a frenzy of advertising across all media channels to sell their own products.

Typically, this is how the water cooler conversations go and the decisions are made: Continue reading “Life Insurance karaya kya?”

Being healthy is one of the best decisions that I have made

Being healthy is one of the best decisions that I have made

I truly believe that one of the best decisions that I took a few years back was to become healthy and stay healthy – which meant that exercise became part of my daily schedule and I started keeping an eye out on what I eat and drink. The time I spent on exercise gives me some time to get my mind off  from work, travel and other small things in life and helps me focus on the bigger picture.

So you might wonder what is a health related article doing on this blog. Continue reading “Being healthy is one of the best decisions that I have made”

Start Young Live Big

Start Young Live Big

Heard this tag line on the radio for the new Audi Q3 and it occurred to me what an apt line for my next blog. I am sure you will know that I am not recommending that you go and buy the new car. Continue reading “Start Young Live Big”

The Robos are here

The Robos are here

Traditionally most Indian investors have either done a “Do it Yourself” (DIY) financial planning or a limited number of investors have actually used a Financial Planner to plan their financial goals. However, the Indian Financial planning eco system is now evolving to the next phase with many companies providing Robo Continue reading “The Robos are here”

The Risk of Living too Long

The Risk of Living too Long

As per “The 100-Year Life” a book by Lynda Gratton and Andrew Scott a baby born in the west today is likely live till a ripe old age of 105. Similarly the life expectancy in India has been steadily been increasing over the last many decades. As per a World Bank study it was a shade above 40 years around 1960s and currently it is Continue reading “The Risk of Living too Long”