Report Card : 31-Mar-17

While every client is aware of the return generated in her portfolio for the financial year just ended, I would like to take some time to present on how Aroha…

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High Watermarking : 28-Feb-17

When I receive enquiries on the viability of Portfolio Managed Services (PMS), amongst the many pointers that I put out to prospective investors is to draw attention to the concept…

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Dumb-bell strategy : 31-Jan-17

In the many reviews I have received of our new web-site, one question that kept repeating itself was – what does the term dumb-bell strategy mean?. As real estate on…

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The demon in demonetization : 31-Dec-16

Dear clients, my apologies for not presenting my monthly blog for 30-Nov-16. We have been swamped with work including the revamping of our website, change in office location and the…

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The source of wealth : 31-Aug-16

In his book the Aspirational Investor, Ashvin B. Chhabra provides insightful analysis on investing. The book is a great read and provides some thought-provoking ideas about making smarter investment choices…

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The Fiduciary Standard : 30-Jun-16

A hilarious video hosted by John Oliver in his talk show Last Week Tonight was brought to my attention this month. In this video, Mr. Oliver delivers a supremely funny…

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Liquid Funds : 31-May-16

In the 11th May 2016, edition of the Mint newspaper, as a part of an investor awareness initiative – swatantra, I answered a few questions centered on how a salaried…

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Understanding Annuities : 30-Apr-16

With the raging controversy surrounding the restrictions the Government of India proposed in the recent budget around provident fund withdrawals, specifically with the insistence of taking up single premium annuities…

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Report Card : 31-Mar-16

In my blog of 31-Mar-15, I promised to bring to you a report card on the performance of Aroha Capital one year from then. One year has passed and it…

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On Financial Intermediation : 31-Jan-16

In the recently concluded 6th India Investment Conference conducted by the Indian Association of Investment Professionals, I was fortunate to sit through a talk by Professor John Kay, an eminently…

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A silver lining : 31-Aug-15

Amidst the market mayhem we have witnessed in the past fortnight, market pundits have voiced a variety of opinions, including the likelihood of persistent volatility, the relative safe haven India…

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Being roughly right : 31-May-15

In a recent discussion among friends, we briefly debated the idea of the lack of training in probabilistic thinking in our schools. We discussed how of all disciplines we learn…

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Report Card : 31-Mar-15

I was pondering over the topic for this month’s blog when my wife in the background was reminding me that our children’s end of term report cards were ready and…

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Risk and Uncertainty : 28-Feb-15

My dear client – you would have by now received an email from finametrica, asking you to fill up a questionnaire for assessing your risk profile. The idea is to…

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Term Life vs ULIPs : 30-Nov-14

Many clients I have spoken to have Unit Linked Policies (ULIP) in their portfolio of investments. Clients are either unaware of Term Life policies or believe that they are more…

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The virtues of Direct plans : 31-Oct-14

SEBI circular no. CIR/IMD/DF/21/2012 dated 21-Sep-2012, mandates mutual funds to provide a separate plan for direct investments, i.e., Investments not routed through a distributor. Such a separate plan shall have…

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Delaying gratification : 30-Sep-14

Rising markets distort portfolio allocations in two ways. The first is by the sheer improvement in valuations, equity portfolios rise and hence take a significantly larger portion of the asset…

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Staying liquid : 31-Aug-14

Over the last 6 months India has seen a steady and definite improvement in its macro fundamentals. With a simple majority government coming to power, levels of uncertainity are significantly…

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