Are we asking the right Questions?

Hemant : My life is so messed up these days that even Google is not able to answer my question.

Niraj : Why, what Happened Hemant ?

Hemant : Arre yaar, When I am confused about a question, I try asking it to Google, it gives so many answers, I get further confused.

Niraj : Ok. May be you aren’t asking the right questions to it Hemant.

Hemant : How can a question be wrong or right ??? I thought only answers could be wrong or right.


Niraj: Let me explain to you, how Google actually works. Google works on the principle of “string matching”

So for example, if you are asking a factual question like “In which year Akbar was born?”, Google is most likely to come up with the accurate answer.

But if we ask a question which involves an opinion or judgement, for example “Was Akbar a Great King?”, do you think Google will have a clear answer ??

It will throw various opinions of people about your question. Now based on those opinions, you will have to take a call what is the right answer to your question.

Another example, if you ask Google, “What is the GDP of India?”, it can give you an accurate answer. But if you ask it, “what are the important constituents which will make Indian GDP 5 Trillion USD by 2025?”, will Google be able to answer on its own? It will come up with some statements from different economists which may have diverse answers.

The bottom-line is, if you ask the right question, i.e. a fact-seeking or data-seeking question, you are more likely to get a crystal-clear accurate answer.

But if you ask a wrong question i.e. an opinion seeking question, you will get a plethora of opinions. You might not get a clear answer unless you do an in-depth study of the opinions, the background of the people having those opinions and so on.

By the way, what question you were asking to Google?

Hemant: Actually I had some spare amount to invest. And I wanted to grow this amount. So I asked google, which are the next Multibaggers. I got several answers from different brokerage houses and I got confused.

Then I asked Google, “Which are the best funds to invest?” It again threw so many names from different newspapers and news channels that I got confused.

Do you think I asked the wrong question?

Niraj: Yes, you did. What you asked Google, was not a fact-seeking or a data-seeking question. If you had asked, what was the Sensex level on 1st Mar 2013, it’s a data seeking question. Google would accurately answer it.

But if you ask, which is the best fund or next multibagger, obviously it’s not Google’s business to research them. It will do a string matching and throw up links which have used this phrase “Best Fund” or “Next Multibagger”.

What you are actually getting is opinions of people who might be from a brokerage house or a newspaper company or a news-channel. Now first thing is to understand is, these are not “Google’s Opinions”. Second is to understand that these opinions need careful evaluation and can’t be trusted blindly.

Hemant: So what should I do if I want to do my own research on next multibaggers or best funds to invest?

Niraj : Now that’s a good question. You may have to pick up a company and do in-depth research about it.

Start with its products, then how is the demand of its products, whether it has a competitive advantage, whether it has pricing power, how well it is received by customers and so on.

Then move on to its Financials, Debt/equity ratio, Interest coverage ratio, Liquidity ratio, ROA, ROE etc

Are we asking the Right Questions_


Hemant: Stop Stop Stop !! O My God !! So much research?? And all this I have to do for how many companies??

Niraj: Well, there are some 6500-7000 listed companies listed on both the exchanges. So ideally all of them. Or if you want, you can pick up the top 500 companies and do all this research for them.

Hemant: Dude, I just want to invest small amount. Let’s say Rs. 15,000-20,000 a month. If I keep doing all this research, then when will I do my job? I will be thrown out from my company. I will also incur a cost in doing this much research.  Please suggest me an easier way.

Niraj: Easier way is to have someone do it for you. You can hire a professional who does all this for you for a fees.

Hemant: But isn’t this professional fees an additional cost for me?

Niraj: You have 3 choices.

  1. Keep asking “opinion-seeking” question to Google and get random opinions.
  2. Do all the research yourself.
  3. Hire a professional

First 2 choices don’t have a direct cost, but indirectly they may prove more costly. Random opinions might lead to wrong investment choice which will lose you money. Doing own research will consume too much time and Money. Still you can’t be sure if your research was truly “in-depth”

Third choice has a direct cost, but will benefit you by saving lot of time, getting professional research and a face to talk if you have some specific queries. In investments, we many a times feel fearful and concerned. Do you think Google will be able to address that?

Hemant: You are absolutely right Niraj. I was actually asking the wrong questions. We need to keep Google search restricted to data and information. When it comes to Knowledge and Wisdom, we need to have a trusted human advisor on our side. Thanks for clearing my thoughts.

We look forward to your feedback and comments on the above article.

The Author Prof. Saurabh Bajaj (BE, MBA, FRM, CFGP, CIA, AFGP) is CEO with Nidhi Investments, Mumbai. His articles have a readership from 78 Countries across the Globe. He may be contacted on if you have any questions.

(The views mentioned in the article are personal opinion of the author. The characters used in the article are imaginary).







Published by professorbajaj

Prof. Saurabh Bajaj is an Author, Mentor, Motivational Speaker and Wealth Planner. He has done his MBA from Narsee Monjee Institute of Management Studies (NMIMS) Mumbai, one of the top 10 management institutes in India. He holds the prestigious FRM (Financial Risk Manager) degree awarded by Global Association of Risk Professionals (GARP), USA. Till date, there are less than 15,000 professionals in the world, who have been honored with this degree. He has also been awarded CFGP (Chartered Financial Goal Planner) Certification by AAFM (American Academy of Financial Management). After his MBA, he joined J P Morgan, the second largest Investment Bank in the world. He has worked with J P Morgan as Risk Analyst for more than two years. Prof. Bajaj also holds an Advisory certification awarded by AMFI (Association of Mutual Funds of India). During his stint at Bombay Stock Exchange, he has handled Investment Management and Treasury operations of the BSE Corpus. He has set up an entrepreneurship venture in the field of Wealth Planning and Investment Consulting under the name “Nidhi Investments” and holds the profile of CEO. Prof. Bajaj sits on the Expert Panel of and as Investment Expert. He is actively involved in investor education through his blog which has a readership from 78 Countries all over the world. His articles are also regularly published in , , ,, and . He has been awarded the title of “Best Article Writer” from in Jan 2012 and has been selected amongst “Top 5 Technical Writers” from all over India in Feb 2013. He has been invited by various TV Channels like SPIN TV, CNBC TV18, UTV Bloomberg Etc for programs like "Expert Advice" , "What Markets Want ", "Budget Analysis" etc. He has been invited by Several organisations like Lions Club, Rotary Club, Agrawal Welfare Foundation, Rajasthan Mandal, Agroha Vikas Trust, Union MF, UTI MF, Arthamitra Gurukulam, Vidyalankar Institute of Technology etc for expert lecture on "Smart Investing", "Life is A Celebration", "Financial Freedom", "The Digital IFA" etc. He was ranked 8th Merit at All India level NMAT which got him selected for MBA programme at NMIMS, Mumbai. He did his MBA with Capital Markets as his specialisation. Soft Skills has become an inevitable part of every selection process and teaching learning process these days. The students from small towns and tier II cities, in spite of being talented and well equipped with technical skills, are seen struggling in the selection process. This is because of their lack of exposure to these soft skills. Mr. Bajaj has a zeal for training candidates to develop these skills and has been imparting the same on since last two years. This zeal and passion inspired him to set up his own firm called “Knowledge Circle” which aims to train candidates for soft skills. Till date, he has trained more than 5000 participants from over 220 organizations across various fields of soft skills. He has been associated with MSBTE (Maharashtra State Board of Technical Education) to conduct Soft skills training workshop for the faculties of Polytechnic Colleges in Entire Maharashtra (Mumbai Region, Pune Region, Aurangabad Region and Nagpur Region) since last 8 years. He has also been associated with ICAI (Institute of Chartered Accountants of India) for training CA Students on various topics related to Communications skills, Group Discussions etc. He was invited by Fr. Agnel Polytechnic College, Vashi for a motivational workshop for faculties. He was also invited by Vivekanad Polytechnic College for "Communication Skills and Email Etiquette" training for non-teaching staff. Apart from these, he has conducted “Capacity Building Soft Skills workshop for Faculties” at ITI Gunj, ITI Pusad, ITI Digras and ITI Umarkhed. This was the first ever soft skills workshop for faculties in the history of ITI’s in Vidarbha. He was also invited by Shivaji Education Society to conduct similar Soft skills workshops for the faculties and office staff of Shivaji Junior College Pusad, Shivaji High School Pusad, Shivaji Vidyalaya Belora and Shivaji Vidyalaya Bhojla. He has conducted training workshop on “Effective Presentation Skills” for the relationship managers of HDFC Mutual Fund, Andheri Branch, Mumbai. He has also been invited at College of Management and Computer Science, Yavatmal, College of Dairy Technology, Warud, B N College of Engineering, Pusad, B D College of Engineering, Wardha, College of Engineering and Technology, Akola, Dr.N.P.Hirani Institute of Polytechnic, Pusad etc. for the Guest lecture on “Developing Interview Skills”.

28 thoughts on “Are we asking the right Questions?

  1. Very well written article. The mistakes that a common man does is explained beautifully. 👍🏻

  2. Very well articulated. An eye opener message. Keep writing ! My Best Wishes to you.

    Santosh Roy

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