Will Property Prices Fall Further?


The last few months have seen a marked stagnation in the property market. There are hardly any buyers and even the sellers are wary. Demonetization has had a huge role to play in this field. There has been reasonable correction in land and building prices but as an observer I expect the market to experience further correction before it stabilizes in the true sense. 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

How are you planning for your retirement fund?


Senior CoupleThe average life span of Indians has increased considerably thanks to good health care and improved living conditions. It may sound like the ideal thing but it also means that they have long twilight years and possibly more than a decade or two where they will not be earning a living due to age and health. So it is but natural that unlike the previous generations, the current generations are more aware of the need to plan for their retirement years. They no longer consider their children as their retirement fund but instead prefer to plan and create enough funds to be able to have a good life long after retirement. Unfortunately most make a few basic mistakes which could lead to disastrous results. 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