Weeks after the election results, we saw oil prices spike and the trade wars worsen. Yet, FII flows into Indian markets held steady and India’s forex reserves hit an all-time high. Elsewhere, gold prices hit a six-year high. Clearly, something very interesting seems to be happening in currency, gold and…
Retirement planning doesn’t end when you retire. Life is full of uncertainties and retirement is no different. Post-retirement, there are few things every retiree needs to evaluate. Long term investments The purpose of a retirement corpus is to generate income for a period of at least fifteen to twenty years.…
Economic news will turn speculative in the coming weeks. We will either be sold hope or fear depending on the intent of the newsmakers. The budget will always be an event around which volatility will be more, the speculative activity will rise, guesswork will be dominant, and the excitement quotient…
Podcast Transcript As an investor and an advisor, I have had the privilege of closely interacting with thousands of people on matters relating to their personal finance. There is on running observation that keeps recurring. People who have done very well in life are often the least prepared, financially,…
Debt or fixed income investments are an integral part of any retirement corpus. This portion is meant to be safe and bring stability to the overall investment portfolio. The investor essentially acts as a lender when they choose fixed income products. So, debt investments should be made with the intent…
When you start an investment, journey counts. Given that most people aggressively start investing around market peaks, their starting point is not ideal. Most investors tend to scale up their equity investing around market peaks. While this has become a way of life, the subsequent behavioral responses matter for their…
Preparing for retirement is a complex task. It requires a significant amount of consideration, calculation, and planning. For any retirement plan to be effective, it must receive continuous attention and should be diligently executed. Here is a straightforward three-step approach to retirement. Retirement Goals One must have a clear picture…
“In the short run, a market is a voting machine but in the long run, it is a weighing machine.” – Benjamin Graham Where are markets headed in the post-election scenario?
The RBI’s monetary policy announcement did not do much to improve the market sentiment. The clear shift in stance, willingness to be accommodative, the confidence on inflation management and a decisive bend to act and do more if necessary were all simply not enough to reassure markets. The markets seem…
A new cabinet took office last week. Economic data for the last year was released shortly after. Clearly, the new government has no honeymoon period. It must hit the ground running. Even though the challenges are clear and everyone knows what needs to be done, the way forward is still…
The last week saw turbulence in the guidance of a global Indian IT giant. They marked their guidance down taking their stock down sharply. Domestic IT companies had however not dropped their guidance in their earnings calls done weeks earlier. When one company, and especially a large one, drops its…
Three phases of polling are over. We are past the midway mark. Pollsters are slowly spotting a decisive trend. They won’t put out numbers due to electoral regulations. Meanwhile, the markets seem to be responding to domestic corporate results and global trends. Oil is rising. The US markets are about…
