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Financial Planning article in August issue of The Financial Kaleidoscope from NSDL (scroll down to page 3)

The Ministry of Finance (Government of India) has recently released a report on recommending measures to curb mis-selling and rationalizing distribution incentives in financial products in India. At the outset, I would like to extend my admiration on the way the report has highlighted and brought into laser focus the critical issues that trouble the distribution

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 offers among emerging markets, and the need to stay invested. There sure is a grain of truth in many of these opinions – but that

Amongst my rather small group of clients and at dinner table conversations with family and friends I keep getting asked on what is going to happen next to the world economy, where are the Indian markets poised? The implications of Brexit, the Chinese market crash, and the impending rise in US interest rates. As an

Whether we employ peons in our companies or we employ house helps at home, we all (at least you, my clients) are employers at some level or another. These employees, while not below the poverty line, are extremely vulnerable to catastrophic events such as sudden illness, life-threatening accidents and the often ignored lack of income

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 about in school, statistics and probability has by far been the most useful in practice. Being a Six Sigma Black Belt in my previous job,

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 that we need to collect them from the school. This set me thinking about Aroha Capital’s composite report card. Aroha Capital was incorporated in February

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 systematically document your appetite for risk and ensure that the investments I suggest to you are in-line not only with your financial goals but also

31-Jan-15 My recent visit to the networkFP national conference & exposition has set me thinking. At the outset, I was deeply impressed with the overall conference and was delighted that my two days at Mumbai were well spent. The conference was practitioner centric and brought to the fore the variety of issues that are faced by the

31-Dec-14 Screaming newspaper headlines, voluble TV anchors and incessant email or sms “tips” are agog with seductive investment opportunities in “growth companies”. I thought that I should share my perspective on growth and felt it best that I start with a few questions: Definition of growth: That growth should be defined as increase in sales (“top-line”