Skip to content


Each week I try and answer generic questions from readers. Here is this weeks edition. You can use the form below to ask your question. First a big thank you to all your support and testimonials in support of my nomination to the Indiblogger 2017 award. Each time I feel worthless and depressed, I must remember to go here and cheer up 🙂 Thank you.

Second, with all this talk about reorganising mutual fund schemes, I am not sure it makes sense for me to publish this months PlumbLine list. So will wait for the dust to settle. read more

Each week, I try and answer generic questions from readers. Here is this weeks edition. You can use the form below to ask your question.

Announcement: As part of Diwali sales, my first book: You can be Rich Too with Goal-Based Investing is available for a 21% discount (rs. 316) at Amazon and at a discount of 37% (Rs. 251) at Flipkart. You can also get my second book Gamechanger for Rs. 199 (Kindle Rs. 100) at Amazon read more


It was when my seven-year-old son declared that he wanted to be a fruit seller that I realised that the .... er ... apple has not fallen far from the tree! Yes, I too had similar aspirations and I nurtured it for years until I heard the plight of a pharmacist. In this post, I discuss why we all need a plan to quit, as soon as we start working.

This was first published a few months ago when my second book was about to be published. I thought the titular topic is worth a revisit. read more


In this week's Q/A, check out an upcoming robo template feature slide show.  Plumbline: a list of hand picked mutual funds was received with mixed response. It was welcomed by most and criticised as biased and anti-diy by a few (see comments in the post).

Regular readers would attest to the fact that I am highly pig-headed and opinionated about all aspects of financial services. So yes, Plumbline will carry my bias. However, that bias is not motivated by a profit of any kind. Many of the funds in the list are in my portfolio too. So it reflects (as it should) my fund selection process. Once the robo template is published in a couple of days, it should become clear as to why I had to come up with a list. read more


So the big news is that Ajit Dayal has resigned, for unknown reasons, as the Director of Quantum AMC and from the Board Investment Committee last week (22nd Aug).  Before we get to the questions by readers, what now for Quantum? Should I worry about Quantum Long Term Equity (QLTE)?

Dayal's letter,short on substance gets a bit emotional "Had I been on that plane (which crashed in Feb 1990), Quantum would have been in existence for 14 short, uneventful days - and there would be no one to fight for you in the mutual fund industry!". So it is impossible not to speculate that he has been forced out. read more