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Suresh Sadagopan

Founder

Ladder7 Financial Advisories

Suresh Sadagopan is the Founder of Ladder7 Financial Advisories, founded in 2004. Ladder7 is a Fiduciary, fee-only, SEBI Registered Advisors. He was on the board of Financial Planning Standards Board, India, the certifying body for CFPCM between 2013-15. He is also the founding President of `The Financial Planners` Guild, India, which is a body of practicing financial planners. His expert opinions and comments appear in a broad spectrum of newspapers, magazines and TV shows.You can reach him at ladder7@gmail.com

Are you an investor, a saver or gambler? How you allocate money decides your category

BUSINESS

Are you an investor, a saver or gambler? How you allocate money decides your category

Savings and investments are talked about as though they are similar terms. Speculation and gambling are interchangeably used.

Active investing will stage a comeback once index funds and ETFs become expensive

BUSINESS

Active investing will stage a comeback once index funds and ETFs become expensive

When many invest in index funds, the allocation to the underlying stocks increases and the prices can rise in a way that is disproportionate to their intrinsic worth

Can a fee-only adviser give unbiased investment recommendations?

BUSINESS

Can a fee-only adviser give unbiased investment recommendations?

Fee-only advisers give advice for a fee, have no conflicts of interest and are client-centric

SEBI’s investment adviser regulations: The hits and the misses

BUSINESS

SEBI’s investment adviser regulations: The hits and the misses

There are good points out there, some that non-controversial and acceptable, and others that are problematic

Low-risk debt investment options during the COVID-19 crisis

BUSINESS

Low-risk debt investment options during the COVID-19 crisis

As a general rule, debt instruments that are issued by the government or their extended arms will carry very low risk

SEBI’s decisions: Investors to gain, but a mixed-bag for advisers

BUSINESS

SEBI’s decisions: Investors to gain, but a mixed-bag for advisers

There is now parity between corporate entities and individuals, as now even corporates cannot distribute products to their advisory clients

A true fiduciary acts in the best interest of the client

BUSINESS

A true fiduciary acts in the best interest of the client

Such advisors should not deal in any product that offers commissions or other indirect compensation and compromise their independence

How ULIPs stack up against MFs

BUSINESS

How ULIPs stack up against MFs

One major advantage of investing in ULIPs today is that the withdrawal is tax free. This is irrespective of whether the funds are invested in equity or debt.

Viewpoint | Separating advisory and product distribution alone may not resolve conflict of interest

BUSINESS

Viewpoint | Separating advisory and product distribution alone may not resolve conflict of interest

Disclosures of conflicts of interest and other matters, declarations and disclaimers cannot be used to absolve advisers of responsibilities.

Viewpoint | What SEBI needs to do to make your investment advisor more accountable

BUSINESS

Viewpoint | What SEBI needs to do to make your investment advisor more accountable

Focus must increase on fee-only model, clear segregation of distribution and advice, and prudent use of client data

Not sure what to do post retirement? Here are your options

BUSINESS

Not sure what to do post retirement? Here are your options

Each one of us has worked all our lives and might have some specialised knowledge, which will be useful to mankind. We need to seek to pass that on, instead of just killing time.

'Passive investments will be a game-changer in mutual funds industry'

BUSINESS

'Passive investments will be a game-changer in mutual funds industry'

Passive investments are those which do not depend on the capabilities of a fund manager, to pick up investment candidates.

Saving income tax: 'Focus on choosing the right product; NPS a good long-term bet'

BUSINESS

Saving income tax: 'Focus on choosing the right product; NPS a good long-term bet'

NPS is a great long-term product that offers lots of flexibility to invest in multiple assets, with low charges.

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