And so the New Year begins with firm resolutions and high hopes. A client calls. They wish to buy land. They ask us to tell them the state of their investments. Then they ask if they may stop SIPs and pull out some funds to buy land. So I explain the pros and cons of […]
All posts by Kshitija Ravi
Do-little Investing: Case Study
This is a routine case study to bring home the point about staying put with your investments. But routine does not make it useless. Quite the contrary. Strongly, too. The brilliance of doing nothing is oft-ignored. Oft-underestimated. And we have not pursued often enough. Hence, the need to share this case study and illustrate its […]
Why savings goals are spending goals
A DIFFERENT WAY TO LOOK AT SAVING: Coming from a perspective that draws on behavioural economics, in this blog, I explore why thinking about saving may not be the most effective, easy, or exciting way to meet your saving goals.
Does your Spouse know?
SPOUSE FACTOR: To create coherent investment planning strategies for life, for the family, you must involve your spouse. Why.
Exploring The Psychology of Money by Morgan Housel
Morgan brings us timeless insights into money from a very different perspective. Doing well with money isn’t necessarily about what you know, it’s about how you react, treat, and decide on money matters. Your unique framework is based on your personal history, your world view, surroundings, and odd incentives scrambled together. Morgan says, there is […]
Am I wrong to expect linear returns from Equity?
TRUTH IN ACTION: Understanding the difference between equity investments and fixed deposits is key to formulating an effective investment strategy and meeting life goals.
Why & How Patience Pays
It is a truth widely accepted that most results come at the end of action or a series of actions, not the beginning. Thomas Phelps, one of the great investment gurus of our times, said, “To make money in stocks, you need to have vision to see them, the courage to buy them, and patience […]
10 Simple Ways to Find Happiness
We all want to feel happy, and each of us has different ways of getting there. Here are 10 steps you can take to increase your joie de vivre and bring more happiness into your life: Be with others who make you smile. Studies show that we are happiest when we are around those who are also happy. […]
Separate Your Finances
TAPPING RESOURCES: There is money. And there are different ways to use it. It's important to allocate wisely. Mixing money for business with money for personal needs can hurt your life plans. How to get this equation right is what we are going to tell you.
The Art of doing nothing
On 23rd March 2020, after India (and the world) went into lockdown to contain the spread of Covid-19, the financial markets collapsed like a house of cards. As an investor, it is natural to feel fearful and despondent in the face of such adversity. Between the end of March and May, we had many client […]