What returns will I get from equities going forward?

This is the million dollar question for which all of us are seeking an answer.. My honest answer:  I don't know. Possible Truth:  No one really knows.. While I humbly acknowledge my inability to predict the future, the other side of the view i.e "I can't predict. So I will just hang on to equities … Continue reading What returns will I get from equities going forward?

Secret to Long term investing – “See me not”

Equity returns - more common on paper than in real lives.. In the last 5 years, the Sensex has given decent returns of around 82% which works out to a compounded annual return of 13% every year. In fact, most of the diversified equity mutual funds have better returns than the Sensex, especially the mid … Continue reading Secret to Long term investing – “See me not”

Create your own financial plan while you are waiting at the traffic signal

Most of us switch off when someone says "Hey..Let's create your financial plan". Those dreadful excel calculations, long term projections, future goals, inflation assumptions blah blah... Yawn. No worries. I completely get it! But what if we simplified this whole complicated financial planning business to something that you could just do it in your head … Continue reading Create your own financial plan while you are waiting at the traffic signal

A simple trick to estimate your future costs in 2 minutes

Recently my mother received Rs 2 lakhs from a money-back-insurance-scheme on its maturity. She had been paying a small amount every year for the last 15 years.  Now, 15 years back when the insurance agent told her that she would be getting Rs 2 lakhs she was excited as  it looked like a large amount … Continue reading A simple trick to estimate your future costs in 2 minutes