All investors have legacy portfolios. There are real estate, PPF, EPF, NPS, FDs, Gold, Stocks, PMSs, different schemes of Mutual Funds, different asset allocations, different corpus sizes, and different risk…
All FIRE or retirement corpus calculations assume – Perfect behavior by the investor. Fixed inflation-adjusted withdrawal from the portfolio. A linear rate of growth of portfolio and inflation. But in…
When I got my RIA registration in 2017 and began working as a financial planner, I started with the individual goal portfolio approach, where you run individual portfolios for individual…
“The bullshit asymmetry: The amount of energy needed to refute bullshit is anorder of magnitude bigger than to produce it.” - Alberto Brandolini Only a tiny section of the investor…
There wasn’t any Fee-Only-India (FOI), and I wasn’t a SEBI Registered Investment Adviser (RIA) when I attended the first FOI meeting in Mumbai in September 2017. My Investment Adviser application…