Avinash Luthria

Leaving assets and investment records is not enough; investors should identify trusted Sebi-registered advisers in advance so their spouse is not pushed towards unsuitable products after their death

Annuities show that a 60-year-old couple needs a total of Rs 12 crore to be able to live in a two-bedroom apartment in Bangalore during retirement

The brain finds it comfortable to shut down when faced with too much complexity. To fix that, we have to simplify, even if that requires a small sacrifice in accuracy

MFCentral makes direct plan MF transactions more robust by eliminating the middleman and also significantly reduces the risk of mis-selling

Persistent high inflation in developing countries, including India, confuses people and makes them spend much more than they should during retirement

One reason why the fee can't be lower than 3 per cent is that it is difficult for an RIA to do a good job and remain viable even at this level

Your financial plan should not be based on slogans or catchphrases. Instead, keep asking why till you agree with the rationale behind your plan

A good financial plan must identify the reasons why a person may run out of money in his lifetime and find a workable solution to it

Active mutual funds on average (and net of fees) underperform the index because they have less inside information than promoters of companies

Longevity risk, taxes, financial repression, unexpected high inflation, career risk, and psychological factors make it very difficult to save enough for retirement

It is tempting to use zero-fee services paid for by other, financially less literate clients. But none of us is completely immune to being conned

It is wrong to believe that those knowledgeable about personal finance should not engage with a Registered Investment Adviser

A lot of propaganda in personal finance contradicts the fundamental law that there are no free lunches ever

Both personal investing and PE investing force one to accept relatively concentrated portfolios, deal with significant information asymmetry, make medium-term decisions that are difficult to reverse