The per capita income itself is growing at about 10% annually. On the other hand, ‘basic needs’ like food has already been met for most of the population and will not grow at the same pace. Most likely, basic needs will grow in line with inflation or less.

Being lucky, seems totally illogical and unscientific and as a result the human mind rejects the possibility of developing the art of being lucky. On the other hand, Dr Richard Wiseman did a detailed study on the psychological difference between lucky and unlucky people and wrote about it in his book “The Luck Factor”.

Here’s our assessment of equity and debt markets in February 2019. Apart from the elections, one of the larger issues having an impact on the markets is the spate of selling by foreign portfolio investors (FPI), driven by US-China trade war.

I am writing this, as I have made several mistakes over all these years as an investor. If not for some of these mistakes, I would be far better off today and much wealthier.

With the general elections just a few months away, we have seen several investors being cautious over the equity markets and are either delaying their investments, or worse still pulling back on existing investments.

When you are young, even starting to think of planning your finances is half the battle won.

Look out for these 5 common mistakes that you could be doing when planning for retirement

We believe that the equities continue to be the best option among investable assets and we are quite confident entering 2018.