In the last one quarter the data coming out of U.S. clearly indicates the raising unemployment rates and american citizens after a long time starting to save! Yes..in fact the previous quarter savings have been 5%.. Clearly this does not indicate green shoots..more like brown weeds..or rather brown manure as Nouriel Roubini puts it.. His [...]

A survey conducted in 2001 by International Society of Certified Employee Benefits Specialists, U.S. indicates that 96% of the respondents agreed that “Workers want financial planning and advice” and they often turn to their workplace for it.
Employers also increasingly recognize that many employees lack the most basic money management skills, and that the resulting financial [...]

Post January 2008 and more specifically September 2008, many investors were left to wonder whether one could avoid asset bubbles.
We believe there is a way out. Personal Financial Planning is it.
Yes! Focusing on ‘goals’ rather than ‘returns’ could help us avoid asset bubbles.
This in turn detaches the investors from the ‘greed and fear’ experiences in the [...]

At the end of last year,while I was in Sharekhan,our team embarked on an unique project called ‘India Market Chronicle’.
The project had twin objectives :
1. Will stocks deliver positive returns in the long run?
2. Will Portfolio Diversification along with Portfolio Re-balancing or Dynamic Asset Allocation deliver consistent returns as well as minimize the downside risks [...]