For most people, the last few months has been a never-before experience. Whether it is about finding out how secure is your financial position in this crisis, or about understanding what is really important for you versus isn’t, or about looking for new opportunities in an otherwise generally hopeless time, it has been a period…
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In the past weeks, the 32nd Olympics, Tokyo2020, provided the world with sporting excellence and entertainment on display across a range of disciplines. For avid sports fans, these two weeks were exciting days, merrily switching live-streams across events as diverse as hockey, gymnastics, track & field, badminton and golf. While there were winners, we discovered there…
Read articleMy recent article was about how just like we frequently do a stress test as part of our regular health check-ups, we also need to periodically “stress-test: our personal financial health to check preparedness for financial calamities. While many of us thankfully may be financially secure and prepared for calamities, we nevertheless can still do better when…
Read articleWhile we make extensive plans for most eventualities, something suddenly happens that takes us by surprise and throws all our plans haywire. Take the last 12 months itself as an example. In a way, we live our lives largely assuming things are going to be peaceful and are usually well prepared for peace-time events. We…
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At its simplest, Financial Independence means “having enough money so as to never work again for the rest of your life”. But as you would agree, neither is life simple, nor is it as predictable and straight-forward as one would like it to be. This effectively means that as you go along your life journey,…
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A friend was talking to me recently about an interaction he was having with some others, where there was a furious debate on about where to invest, as well as which asset classes including geographies would deliver better returns going forward. As you would agree, this particular topic of debate is not uncommon at all…
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With markets now near all-time highs, one of the jargons that is on top of the pile is “Asset Allocation”. Every newsletter or interview, whether of your fund manager, your broker or your bank refers to this term and advises investors to heed market valuations and “stick to their asset allocation”. While Asset Allocation is…
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Another year has come to an end, and another New Year has peeped into our lives. Every New Year, by its very birth, fills us with optimism, which in a way is good. And every New Year, we try to channelize that rejuvenated optimism into action through resolutions. This is also a good time to…
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Becoming an adult is one of the biggest thresholds that a human being crosses in his or her life. For a young one on the verge of this threshold (for context, we are talking here about the legal definition of crossing the age of 18 years), it comes with the promises of many excitements and…
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The last few months have seen market volatility at never-seen-before levels. We saw the sharpest drop ever, with nearly a 30-35% drop in key indices less than a month. Yet, before one could even say “bear”, the fastest-ever recovery also followed in the next 3 months, with most indices recovering smartly from their March bottoms,…
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