Avoid Complexities – Adopt Simplicity


Should you keep your investments portfolio simple?

Investment is the buzz word today. Almost everyone with an above average income is looking for investment opportunities.  Their reasons may differ but at the end of the day they are looking for the pot of gold at the end of the rainbow. These are the regular investors, and then we have the players.  Continue reading

Are You Guilty of Lifestyle Inflation!!

lifestyle inflation


A chance meeting with an old acquaintance, let us call him Mr. X, reinforced my observation about the rampant lack of understanding regards to money management . I have known this gentleman for a couple of years now. He is a classic example of today’s generation.  I would like to share his story in order to highlight what I think is wrong with many people today. Continue reading

Do you trust your financial advisor?

Trust (1)You trust them with your money and hope that he will help you make the right financial decisions. What happens when you don’t trust your financial consultant? When you keep looking over their shoulder? When you are in doubt about the decisions they take for you? When you second guess every step of the way? In such a scenario is it really fruitful to have a relationship with your chosen advisor? Continue reading

As an investor are you the Deaf Frog?

Deaf Frog

This may seem like a strange title for a financial blog, but it carries with a deep meaning that resonates with the financial world and your choices. Many of you might be wondering about this strange analogy, so let me start with the story of ‘the Deaf Frog’. You will find many versions of this story but this is the version I like. A group of frogs decided to have a race. They decided to climb a steep and tall tower. The one who reached the top first would be the winner. As they started their climb, the onlooker frogs called out to them and said, they would never be able to do it and that it was an exercise in futility. One by one the frogs started to give up and only two frogs were left on the tower walls. The frogs that had given up also joined the others and kept on about the futility of the task. Very soon there was only one frog on the tower wall. He climbed on steadily and continuously although like others he did slip a few times. All the frogs kept calling out to him and saying that it was an impossible task and that he should give up, but the frog continued toiling upwards and after a long hard climb he finally reached the top. Continue reading

Are you really an aggressive investor?


In my role as a financial advisor I come across clients with varying temperaments. Some portray themselves as conservative investors, some as opportunistic investors and others as aggressive investors. Of all these it is the aggressive investor that piques my interest, for the simple reason that I love to get behind the thoughts of such investors and like to discover what makes them tick. I always want to know what makes them aggressive as investors and if they really are as aggressive as they think they are. Continue reading