Shifts in risk appetite (need for preservation of principal) and return expectations – both at the retail and institutional level have created the need for product manufacturing and research in alternative investment areas. Recent events shaping these shifts include the following:

Portfolio values of investors globally have shrunk to less than half during the financial

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I have long held the view that the quality of education that the government provides in India through its municipal schools is significantly inferior to that provided by the private schools. I felt the government should simply give “education coupons” for students to go to schools of their choice (most, I felt, will prefer private

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