We need new road rules when the traffic volume and complexity changes. Financial markets are similar. India needs to distinguish between adviser and agent for mutual funds, insurance, pensions and other financial products.
NPS lost the battle to a bureaucratic tinkering with product structure and costs. ETFs have come of age.
Rent or buy is the classic question that young people grapple with. Renting works in metro India today.
Doctors, lawyers, consultants and self employed face uneven income flows but stable expenses. How to manage your money box.
Indian households are not stupid. It is the market that is broken
Markets are too high, I will wait for them to cool down before I invest. Nifty broke 10,000 and Sensex is at 32,000, is it too high? We’re in bubble territory for sure. Markets are in an overdrive—this ends badly. Markets are looking ahead and pricing in the structural reform the government is doing. Goods...
Inflation hits the retired both when it rises and when it falls. Rising prices hurt, but so do falling deposit rates.
Whatever route you use - income multiplier or expenses, the corpus you need at retirement is a large number
The regulator was in denial for 10 years that banks were responsible for mis-selling. Accepting complaints now is too little too late.
It is easier than you think to get to the 30% saving number. I continue the conversation on retirement.