While financial planning is good for you, the process which a planner can put you through is not so great, observes financial planner P V Subramanyam.

The amazing excuses given by people who don't invest their money abound, but you would be wise to ignore them. Excuses won't help you get ahead; they can only hold you back from the retirement you deserve, says financial planning advisor P V Subramanyam

Is it a good idea to give Rs 1 crore to someone who promises you a return of 24% per annum, wonders financial advisor P V Subramanyam.

Youngsters must remember education is their BIGGEST investment EVER: Their lifelong income-earning provider! asserts CA P V Subramanyam.

P V Subramanyam takes a hard look at the pros and cons of both options.

I am increasingly seeing young people starting 25-year-SIPs; these kids will definitely benefit from the long term effect of compounding, notes P V Subramanyam.

'People try to repay the BIGGEST LOAN first. Actually, you should repay the most expensive loan first.'

This is a post that should be read by all those above 23. If you did not read this at 23, then read it now.

You start hearing financial jargons and promises of the moon from him

If you are in your 20s, renting out an apartment and under pressure from parents and peers to buy that dream home, just make these solid arguments to tell them why it just doesn't make any sense!

Ignore these and you will end holding duds

Do you want a blunt answer? My experience tells me that the greatest challenge to overcome is inertia -- not resources or understanding. Get off your butt and make that first investment, advises P V Subramanyam.

Most of the investing risk comes from the amazingly wrong, stupid, egoistic assumptions that we make. Here are four of them...

If you have answers to these, you need not worry about Britain's exit from the European Union, Raghuram Rajan's exit from the Reserve Bank of India or Narendra Modi's chances of re-election in 2019; your financial future will be safe, says P V Subramanyam

We can hope that some of the benefits of the rural spending - on irrigation, roads, etc -- will spur rural demand and improve rural productivity, says P V Subramanyam.

We can hope that some of the benefits of the rural spending - on irrigation, roads, etc -- will spur rural demand and improve rural productivity, says P V Subramanyam.

We can hope that some of the benefits of the rural spending - on irrigation, roads, etc -- will spur rural demand and improve rural productivity, says P V Subramanyam.

All of us have made these mistakes, so let's begin by seeing how many of them we can avoid/minimise...

The Fed has prepared the world very well for a rate hike. In fact the market may have priced in a 25 basis points increase. So if the increase is 50 basis points, the reaction could be stunning, but a 25 basis points rise is not likely to have any great impact, says P V Subramanyam.

If you default, the bad behaviour stays in your credit report for a very long time