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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 the main page of the web site was scarce, I decided to write a piece on this and provide a link to this article for […]

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 move to the MFUTILITY platform for mutual fund transactions in the DIRECT mode. In the midst of all this, client acquisition has been active. There

Festive greetings to all my dear clients. Wishing those of you who celebrate Diwali, a joyous and prosperous year ahead and for the others I hope you are thoroughly enjoying the long weekend that the festival has provided us. As much as I use this blog to communicate to my clients, I also use this

SEBI in a circular dated March 18, 2016 among other things had directed that the Consolidated Account Statement being sent by Mutual Funds to investors every six months, must in a separate column disclose the total commission paid to the distributor and must simultaneously indicate the Total Expense Ratio (TER) of the Regular and Direct plans of

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 that are aligned with our life’s financial goals. More specifically, the Aspirational Investor has a chapter on How Do People Become (Very) Wealthy? – which is a fantastic journey

Since time immemorial the medical sciences have been hounded by the concept of iatrogenesis. ‘Iatros’ meaning ‘healer’ and ‘genesis’ meaning ‘from’ in Greek – literally translating into ‘from the healer‘ or ‘caused by the healer‘. A quick reference check into Wikipedia shows that iatrogenesis refers to the unintended downside consequences of unnecessary medical intermediation. Medical history

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 take on retirement planning and the pitfalls that investors face when choosing innocuous-looking retirement plans. I could never have put it better than Mr. Oliver. I urge

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 individual could invest his bonus. As is usual in such instances, the lack of space constrains the answers one can give and in addition the editor’s sword dangles

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 with matured pensions, I felt it relevant to dig into a typical annuity and understand what this product could offer retirees. The annuity, which I

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 is time to take stock of our performance. As discussed in my then blog, Aroha Capital provides investment advice across the spectrum of investor risk tolerance