Nilanjan Dey is interested in everything related to personal finance. Risk and returns, the two immutable concepts, are close to his heart. He writes regularly on personal finance in Anandabazar Patrika and Sangbad Pratidin (in both cases, in Bengali) and The Telegraph, Outlook Money and Moneycontrol. Between 1993 and 2007, Nilanjan worked as a journalist with Business Standard and The Hindu Business Line, and later with stockbroking firm SKP Securities. He served as consultant to Financial Planning Standards Board, India. In 2008-09, he promoted Wishlist Capital, a privately-held enterprise that caters to individual and corporate investors. Nilanjan is a weekend gardener, bonsai happens to be his latest interest.