@SEBI_India, Are you listening?

This is a reproduction of an email I sent out this morning to the venerable Securities and Exchange Board of India (SEBI) attempting an explanation of why I think they are barking up the wrong tree – dangerously – when it comes to imparting (much-needed)...

The Hitchhiker’s Guide to the Bloodbath

Bloodbath. Nosedive. Crash. The terror terminology has been unremitting and dramatic over the last few days. Constant reminders wherever you turn about how much doom and gloom there is all around the globe. And how the markets are in a blue funk. A global pandemic....

Equity Investing: Direct or Mutual?

A recent email from a reader asking which company’s shares he should invest in has prompted this primer on equity investing. It was a reasonable enquiry and one which a lot of advisors would doubtless be happy to opine on. However, we are not a lot of advisors and our...

FMPs – For Most People

We’re looking at Stage 3 investor options – when you need to live off the returns from your investment corpus. Paramount imperatives are Safety, Return, Predictability and Tax-effectiveness; and then there’s a nice-to-have Liquidity consideration. A...

Fixed Deposits – Why, Why Not

A Stage 3 investor – one who needs income from her portfolio – needs to meet the three primary criteria of safeguarding capital, providing a predictable income flow and being tax-efficient, together with the added advantage of providing liquidity in an...