General

We are coming out of a decade when the US Equity market did exceptionally well. The average return of the S&P 500 over the last decade was ~10% against the 10-year breakeven inflation rate of 2.29%. The near-zero interest rate through the decade made sure that the bond stayed an unattractive investment option. There was […]

I remember my days as part of an undergraduate program in computer science in the late ’80s / early 90’ at Baroda. In those days, this branch itself was new and I had no visibility into the kind of career I could hope for. There were no jobs through campus. Since my father was working

Today is the 15th of August and we Indians are celebrating the 76th year of our country’s independence. While that is a significant milestone in our democracy, financial independence for all is still a distant dream. While job and income security for all is a work in progress, for larger masses, the proper deployment of existing

The young investors who started investing in the last 5-10 years are perplexed today. The value of their investment in the company RSUs (/ ESOPs) has dwindled, IPO investment is below the offer price and the investment in cryptocurrencies has taken a huge markdown. Inflation is at an all-time high. The Central banks are increasing

I wrote the blog Is this time for Mean Reversion? in Jan this year and some of the events mentioned there are playing out. As I write this, NASDAQ is down 30% from its 52 week high, S&P 500 down 18% and Nifty down 15%. The various indices globally are either in bear territory (down 20%

Everybody wants to become a successful investor but very few take effort to learn the nuances to become one. Remember that successful investors are not born, they acquire these traits over time. Many times, people mistake these traits for common sense which is not right. One needs to put conscious effort to acquire these traits

The high amount of money supply and low-interest rate all over the world has encouraged people to take speculative bets. The Equity market (particularly meme stock, SPAC, IPO) and Crypto have recorded a new high. The inflation is inching upward. This is forcing the Central Banks to consider increasing interest rates to keep inflation in

We have been through a lot. While I generally believe that we can manage difficult situations, this year has been different. The continuous news of loss and suffering of near and dear ones in extended family and friends made us realize that things were not in our control. We were left mute spectators to a

This month, I will be completing 3 years of starting “Financial Advisory” as a profession. Since I like personal finance, I knew that I would be able to make it work but never expected the transition from IT (my erstwhile career) to be so smooth. It has been an enriching and fulfilling experience. My clientele

The other day I was talking to a boy who has just landed his first job. He wanted to know some of the things, which he can do in his life to expedite his financial independence. In the short discussion that I had with him, I shared some of the learnings from my experience. I