Calibre Investments

04/07/2021

One of the questions I am asked most frequently is: what is the best time to invest? My simple – and frank - response: the best time to invest is when you have the money! All your planning and timing is pointless if you don’t have the money to invest; when you have the money, don’t wait for the ‘best’, or even the ‘right’, time to invest it. Prepare your investment strategy as per your risk profile, personal circumstances, financial goals, etc. and put it into action, without waiting another moment. Whether or not now is a good time to invest, will be known only in hindsight, and often several months down the road.

The same rule applies to life – we all know people who are too busy working, earning ‘enough’ money to have a good life, for themselves and their families. While I’m not opposed to hard work – I occasionally indulge in it myself – I am against work taking precedence over life. Work can, at best, only be a part of one’s life, and not the raison d’etre. Life has so much more to offer – family, friends, health, interests, passions… Identify all those things that interest you, define you, that make your life worth living, and take time out to follow them, even indulge in them. Every day.

This morning my wife came up to me with a forlorn look and announced that Raj Kaushal, Mandira Bedi’s 49-year-old husband, had passed away quite suddenly and unexpectedly, of a massive cardiac arrest. While I felt terrible for the both of them – 49 is no age for anyone to go – I also hoped the man had had the opportunity to live out his life, as much as he could have. You see, just like all the items in your local grocery store, we all, too, come with an expiry date; unlike manufactured products, our expiry dates are not stamped on our foreheads and, invariably, we’re caught unawares. Death is inevitable; don’t let life be optional. Start living – not after retirement, not tomorrow, but today. Now.

As with investments, the best time to start living, is when you’re alive.

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09/01/2020

One afternoon in September 2018, I was driving around Leh, the capital of Ladakh, visiting Shey Palace and Thiksey Monastery. The next morning I had planned to move onward to the Nubra valley via the famous Khardung La pass.
After visiting Shey, as I was driving towards Thiksey, I saw a uniformed soldier standing by the road-side, looking for a ride. As he got into my car, he indicated that he needed to join his company stationed a little beyond Thiksey, which was only a couple of miles up the road.
After several minutes of driving, it dawned on me that ‘a little’ was actually 10 kms beyond my intended destination! The extra 20 kms of driving ate into my allotted time for visiting the large and famous monastery at Thiksey, leaving me quite displeased at the idea. However, I consoled myself with the thought that in giving a ride to this soldier, I had done a small service to my country.
As I retraced my path after dropping him off, I saw in the distance, perched atop a hillock across the Indus River, another monastery, much smaller than Thiksey. A sign on the road informed me that this was Stakna and, as it was only a few miles off my route, I decided to take a quick, closer look.
Just outside the main entrance of the monastery, I came upon a line of Buddhist monks, known locally as "Lamajis."
As I paused in front of them, the head Lamaji raised his hand in blessing and, with a most
serene smile on his face, welcomed me. It was almost as though they'd been waiting there for my arrival!
Entering the building, I found myself in the central well, with the prayer and residential rooms overhead.
I was instantly struck by the intricate paintings on every wall around me, which magnified the charm of the place. The head Lamaji then beckoned me up the wooden steps and into the sanctum sanctorum, beaming with pride like a small child showing off his favourite toy! My "quick visit" lasted over an hour, at the end of which I was escorted out by my host and a handful of his disciples, making a humble traveller feel like a visiting dignitary.
I drove back to Leh with a warm feeling, barely noticing Thiksey as I passed by it.
Lying in bed later that night, I went over the events of the day, quietly thanking that soldier for having taken me so far out of my way and upsetting my plans to visit Thiksey, and inadvertently introducing me to Stakna.
While I had carefully planned my day, apparently destiny had other, and far better, plans for me!

01/01/2020

Wishing you and your loved ones a stupendous New Year ...

08/12/2019

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30/01/2019

Make investments today, for tomorrow !

25/01/2019

Invest the Calibre way!

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09/11/2017

Speaking at the RELIANCE MUTUAL FUND Investment Awareness session at ,Delhi

25/07/2017

The benefits of generating regular, tax-efficient income through Systematic Withdrawal Plans. Published in Fpsb-India 's journal.
http://bit.ly/2eKe95E

10/04/2017

Financial Management with Credit Cards - Time your purchases on or just after your monthly billing date. Also, by using net-banking, you can literally pay your bills at the eleventh hour, thereby allowing you optimal use of the credit period.

28/02/2017

Ask ET Mutual Funds: Should I invest in the same fund for 30 years? http://ecoti.in/I8YpLa via Economictimes.com

28/02/2017

Should you alter your exisitng portfolio?
http://bit.ly/2mzlofR

If you have any mutual fund queries, message ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

19/01/2017

Demonetisation will have a direct impact in terms of increased number of taxpayers, says RM Vishaka, MD of India First Life Insurance, , bw events, Union Budget 2017-18, Demonetisation, arun jaitley