SEBI Registered Investment Adviser Application Process: step by step guide

This is a detailed step by step guide to the SEBI Registered Investment Adviser Application Process under SEBI(Investment Advisers) Regulations 2013.  It will help anyone with the necessary qualifications (see below) to apply for SEBI RIA certification. This post is authored by Swapnil Kendhe a successful SEBI RIA. His website is vivektaru. One of the first … Continue reading SEBI Registered Investment Adviser Application Process: step by step guide

It is not possible to use the internet without being part of someones’ data experiment

Yes, that is right! Each time we get on the internet, search for information, get entertained, use social media, shop online, buy and sell stocks, pretty much anything, we are part of someones' data experiment! Whether we like it or not, whether we consider it an infringement of privacy or not, we simply have no … Continue reading It is not possible to use the internet without being part of someones’ data experiment

IL&FS Bond Downgrade: You cannot beat FD returns without facing losses!

Last weekend, rating agency ICRA downgraded bonds of Infrastructure Leasing and Financial Services (IL&FS) . The long-term bond ratings went from AA(+) to BB. That is a huge downgrade! We need to stop and count this! AA(+) --> AA --> AA(-) --> A(+) --> A --> A(-) --> BBB(+) --> BBB --> BBB(-) ---> BB(+) ---> BB. … Continue reading IL&FS Bond Downgrade: You cannot beat FD returns without facing losses!

Download a do it yourself financial planning guide

In June 2013, Rajesh Dalmia a certified financial planner and director of Mandar Learning Academy authored an impressive do it yourself financial planning guide for investors to understand the basic features of insurance planning and goal-based investing. He readily agreed to shares his work here. I think it is time that a new generation of … Continue reading Download a do it yourself financial planning guide

Lazy Investing: Five Test Stock Portfolios Sep 2018 Update

Readers may be aware that from June 2018, I have started testing five stock portfolios based on NSE indices.  Their current status is reported in this post. Three of them are based on smart beta (active + passive) indices and two on a passive index.  The main aim is to find out (after the lapse … Continue reading Lazy Investing: Five Test Stock Portfolios Sep 2018 Update