This is certainly a testing time for Indian investors. The Indian equity market has delivered negative return over the last two years. This may come as a surprise to many new investors whose first experience with equity investing began only after COVID. They were accustomed to earning at least 6% from one-year fixed deposits, but […]
Testing Times for Indian Investors Read More »
Is the AI Gold Rush Echoing the Dot-Com Bubble? There is a familiar feeling in today’s markets, a sense of excitement, disbelief, fear of missing out, and above all, greed. For anyone who witnessed the dot-com boom and painful crash of the early 2000s, today’s AI-driven stock market rally feels strangely familiar. Déjà vu. History
Lately, there has been a noticeable surge in interest in investing in gold, silver, and even copper. Individuals who previously had little or no exposure to these commodities are now reaching out for investment advice. Much of this interest appears to be driven by recent price performance, market chatter, hearsay, and discussions on social media.
The Herd Mentality Read More »
This is not a personal finance blog. The author occasionally writes about topics that are not related to personal finance. Recently, there has been an increase in inquiries for financial advisory services from US-based NRI clients planning a move back to India. While earlier inquiries were limited and largely related to well-planned relocations, some of
The Return of the NRI Read More »
I was 23 when I took up my first job, 28 when I moved to the US, 35 when I returned to India for good, and 50 when I finally stepped out of IT to pursue Financial Advisory as an alternate career which offered greater purpose and meaning to my life. None of these milestones
It was early Sunday morning when I received a phone call. I was fast asleep after a late weekend night, but I felt a familiar sense of worry and answered the call without checking the caller’s name. On the line was a young woman from a nearby town in Tamil Nadu, seeking guidance about an
The Sunday Morning Call Read More »
This is a non-financial blog. This Independence Day feels different. Operation Sindoor has been a resolute success, delivering a strong message to our neighbour that there cannot be business as usual and they will have to pay a price for harbouring terrorists and troubling India. It is high time that they turned their attention to
78 Years of Freedom Read More »
Ask anyone to choose between wealth and happiness, and the answer is almost always happiness. Yet in reality, most people devote their energy in accumulating wealth, often at the cost of enjoying good life experience. Why does this disconnect exist? We have always been told to save for retirement and rightly so. But what is
Choosing What Matters: Wealth or Happiness, Goal or Journey? Read More »
Amit had to travel to another world against his wishes. Over there, a lingering regret weighed heavily on his mind. He had left his previous life with one crucial task unfinished—one that should never have been overlooked. In his previous life, Amit was a nice gentleman. His sole purpose in life was to make people
The Deadly Oversight Read More »
This is a non-finance blog. December always brings winter to my mind, a season that holds a special place in my heart. To share this sentiment, I have drawn the following excerpts from my personal diary. It was April 1996, when I arrived in Minneapolis, Minnesota in the USA for a job opportunity. The next
Minneapolis Winter Diary Read More »