If there is a financial goal that has the greatest number of unknowns attached to it, it is planning for retirement. This is even more true for the post retirement phase. Even though we make a set of reasonable assumptions, we have no way of knowing how long we will…

An ever increasing number of Indian investors are slowly beginning to wake up to the importance of having debt mutual funds in their portfolios. They now realise that debt mutual funds offer them another investment option beyond traditional bank deposits as far as relatively lower risk investment products are concerned…

It has now been a little over two years since I qualified as a SEBI Registered Investment Advisor. During this time I have worked with clients varying from salaried professionals to business owners to entrepreneurs. I have had the opportunity to work with them on almost all major areas of…

Continuing the discussion regarding financial guidelines for doctors which began last time with a discussion on the principles of creating financial plans for doctors (linked here - Wealth For The Masters Of Health - I : Financial Health Checklist), the focus now shifts to designing goal based investment portfolios for…

Doctors and any other professionals working in or associated with the field of medicine and healthcare have always been looked upon with utmost respect by society at large. After all, the services they offer are among the most essential and noble services known to mankind. And their services would retain…

Conversations between clients and advisors are at the heart of any advisory engagement. The quality of these conversations goes a long way to defining the quality of the engagement and the investment experience of the client. Almost every conversation between clients and advisors today tends to revolve around the aspects…

Today, most of us know what a will is and what it does. We also understand its significance and the central role that it plays in the crucial process of estate planning. But given that a will is a complex legal document which does something as important as transferring wealth…

Mutual funds have become one of the most popular vehicles for investments all over the world. This is especially true for equity investments. Today mutual funds form a significant portion of almost every investor's equity portfolio. But quite often equity mutual funds are included merely based on popularity and past…

Having access to sound financial and investment advice has always served as an advantage for those who seek it against those who don't. In times past sound, unbiased financial advice was a rare commodity. Today, formal and professional financial advice is a lot more freely available. But the prevalence of…