To grow, banks constantly need capital. That is bad for shareholders. Choose your bank stocks by following these principles

In any rapidly-growing economy, the financial sector leads the way. This seems logical since, to build any business, you first need capital. Also, with    rising disposable incomes, spending by individuals and, therefore financial transactions, increase, thus benefiting...

What can a capital protection scheme do that you cannot do yourself? Virtually nothing

Mutual funds are all offering ‘capital protection’ (CP) schemes. Is it such a sophisticated product that an investor has necessarily to go through the fund route? Or is it simple enough for an investor to replicate it himself without any difficulty? Let’s look at CP funds closely.

A CP scheme is a...

Here are some clues on what to do in times of rising price

There is an official rate of inflation, which to my mind does not reflect the reality. Inflation can only be captured by a cost of living index that is truly representative and is framed on the basis of real people and their actual monthly budget. This can be done across a few cities, each city differing from the other in one or two...