Deva Panambur

Personal Finance, Investing, Small Business
“Deva Panambur, Managing Director with Sarsi, passionately seeks knowledge about his clients and their requirements so that he can help them achieve their goals and objectives.”

Sarsi, LLC

Job Title:

Managing Director


Deva Panambur, CFA®, CFP®  is the founder of Sarsi, LLC. Sarsi, LLC is an independent, fee only, Registered Investment Advisor, serving individuals and institutions. We primarily provide the following services: 1.Financial Planning: Overall financial situation of the client including cash flow, debt management, risk management/insurance, estate planning and tax planning. 2. Investment strategy 3. Asset allocation and risk management 4. Manager/Investment product selection 5. Investment monitoring and reporting.

Prior to founding Sarsi, LLC in 2010, Deva was a Senior Vice President/Partner at Executive Monetary Management (EMM), a wealth advisor with over $2Bn in assets that was a part of Neuberger Berman, before being spun off into an independent firm in 2009. At EMM, Deva led manager selection and due diligence and had joint responsibility for economic analysis, strategy analysis, portfolio management and risk management pertaining to investments of ultra high net worth clients and institutions.

Prior to joining EMM, he was a portfolio manager at the alternative strategies group of Merrill Lynch; a research analyst at Chesapeake Capital Corporation- a hedge fund; and a risk and business analyst at Deutsche Bank Asset Management where he supported various investment groups. He began his career at International Seaports Pte. Ltd. in international project finance in the Far East and the United States.

Deva earned a Bachelor of Technology from the Indian Institute of Technology, India, a Master in International Management from the Indian Institute of Foreign Trade, India, and an MBA from Thunderbird School of Global Management, Glendale, AZ. He has been awarded the Chartered Financial Analyst designation and is a CFP® professional.

He regularly provides expert advisory services to top consulting firms and asset management companies regarding the business and investment aspects of the investment industry. He is an Adjunct Professor of Personal Finance at Montclair State University in New Jersey and in his spare time trains candidates appearing for the  CFA exam.


MBA, Finance, Thunderbird (Arizona State University)
BTech, Metallurgy, Indian Institute of Technology

Fee Structure:

Fee only. Asset based and/or fixed.

CRD Number:



Sarsi LLC (“Sarsi”) is a Registered Investment Advisory Firm regulated by the State of New Jersey in accordance and compliance with applicable securities laws and regulations. Sarsi does not render or offer to render personalized investment advice through this newsletter. The information provided herein is for informational purposes only and does not constitute financial, investment or legal advice. Investment advice can only be rendered after delivery of the Firm’s disclosure statement (Form ADV Part II) and execution of an investment advisory agreement between the client and Sarsi.

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    College Tuition, Financial Planning, Retirement, Investing, 401(k), IRAs
Should I keep automatic withdrawals for my children's 529 college savings plans, or manually invest every month on down days to avoid buying in automatically on a day when it could be up?
50% of people found this answer helpful

This is a good question. In my opinion, it is difficult to time the market and impossible to do it in a consistent manner. The advantage of an automatic investment strategy such as the one you have in place is that you are making periodic investments irrespective of what is happening in the market and you are dollar cost averaging over time. With this strategy, the disadvantage of buying when the market is up is to some extent balanced by the advantage of buying when the market is down.

So, why not buy when the market is down and not buy when the market is up? The problem with this strategy is that nobody knows if a particular up day will be followed by a down or up day and if a down day will be followed by a up or down day. What we do know is that over time markets exhibit significant momentum (ie up days follow up days and down days follow down days) AND markets are up more often than they are down. So, if you wait for a down day and have a threshold of how much down it must be before you invest, then you will be missing out many up days and once you get in after a down day, on average your down day is likely to be followed by more down days. We have run the numbers on this- please send me an e-mail and I can share the analysis with you.

Of course, I am assuming that you are only considering market movement and are not considering any other fundamental or macro-economic factors when making your decisions.

2 weeks ago
    Debt, Personal Finance
Should I make a principle-only payment on my credit card, if I don't have a payment due because I pay over the minimum amount?
0% of people found this answer helpful
3 weeks ago
    IRAs, Retirement Plans
If I am no longer employed, can I roll over a 403(b) plan into an IRA?
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Is investing in stocks with quarterly or monthly dividends a good strategy for saving for retirement?
50% of people found this answer helpful
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Can I borrow from retirement accounts as a teacher? I am 36 years old and I have been teaching for seven years.
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