Avinash Luthria

Choose fixed-fee RIAs to avoid high costs, improve value for money

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

Three financial planning mistakes experts make

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

Can you outlive your life savings?

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

Why active mutual funds do not beat the index

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

Why saving enough for retirement is difficult

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

Zero-fee financial services can prove to be expensive

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

Professional advice helps: Top 10 myths about financial planning

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

Figuring out the right answer: Busting some popular myths about investing

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

Seven questions that private equity investors ask when making investments

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