A few of us from college went to meet our batchmate Ashok, who had been through a serious illness. We gathered around his bed and, as old friends do, spoke of hostel canteens, professors and […]
The Retirement Risk Most Plans Miss Read More »
Devi wanted a lock-in to protect her savings from daily needs—something I had initially dismissed as a drawback.
But she was right: discipline often matters more than flexibility, especially for long-term goals.
Low-income households, as research shows, actively create barriers to prevent premature spending.
Even wealthier investors face the same struggle of staying committed to long-term plans.
Financial products like insurance tried to enforce this discipline, but often at high costs and poor returns.
Solution-oriented mutual funds offered a better balance—goal focus, reasonable lock-ins, and market-linked returns.
Regulatory attempts to remove such options risk pushing investors toward inferior alternatives.
In the end, good financial outcomes depend not on fewer choices, but on clearer products and better guidance.
Sometimes, steps to protect investors can hurt them Read More »
Smart ODR has worked well, resolving about 75% of the disputes referred to it within three months. It has enabled disputes to be resolved far faster than courts and without requiring SEBI to decide individual cases. What it lacks, however, is institutional memory. Because arbitration orders are not published, each dispute starts from scratch, and the same questions keep recurring—making arbitration efficient in the moment, but wasteful in the long run.
Bolster dispute platform, skip ombudsman creation Read More »
📈 Steadiness trumps aggression in investing.
Too often, investors go hunting for the next big winner—like picking Virender Sehwag over Mr. Average. But investing isn’t a sport. You don’t need to be spectacular. You just need to be consistent.
This column argues for choosing steady, reliable returns over flashy, high-risk bets—helping you get close to your goal, consistently.
👉 Worth reading for anyone planning long-term goals like education or retirement.
Steadiness trumps aggression in investing Read More »
Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:
All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.
