Mangala Pai; New York Life
Mangala Pai, CLU

Financial Services Professional

Welcome to my web site Mangala Pai is recipient of National Quality Award for 2007

As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.

Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. As a New York Life Insurance agent, and a Registered Representative of NYLIFE Securities LLC, in the Minnesota General Office, I am a trained professional who can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.

Please use my Web site as a resource, and do not hesitate to contact me for additional information or to schedule a meeting. Thank you for your interest.

Mangala Pai is agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Ins. Lic. # 0C09793), MN, TX and WI.  No insurance business may be conducted outside these states referenced.


Mangala Pai is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer, 3600 Minnesota Drive Suite 100, Edina MN 55435 (952) 897 - 5000. In this regard, this communication is strictly intended for individuals residing in the states of CA, MN, MD, MT, NY, TX and WI.. No offers may be made or accepted from any resident outside the specific states referenced.

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Recapping Market Capitalization

The blurring of lines between large-cap, mid-cap, and small-cap companies is an indication that it may be time to evaluate whether your portfolio holdings have shifted toward or away from your investment objectives.

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Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.

The Positives of Negative Correlation

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