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Abhijit Kulkarni, Founder of Reliable Solutions



Abhijit is a full time professional forex trader, fund manager and analyst. Notably, he is the founder and CEO of Reliable Solutions Limited, Hong Kong which provides solutions for strategy management, research, international portfolio management and analysis to investors and traders around the globe. His company also provides education to the trades around the globe.  Reliable Solutions Limited has its own brokerage platform specially dedicated to fund management and education. This is the first unique brokerage that deals with the interest in customers only.


How did you become involved in Forex and Reliable Solutions?

It’s a nice question. Actually I always love challenges. Around 7 years ago, while surfing on Internet I saw some ads about forex trading claiming extraordinary returns and potential of forex market. Then I started searching for more detailed information about forex market and realized that the only 5% traders successfully trade forex. This thing challenged me to get involved into this market and then after I started studying it thoroughly. Obviously the high profit potential was also the attraction point but very soon I realized that in this market as 95% traders fails to succeed but at the same time 95% companies misguides the traders. This is where I thought to form a company that will do a deep research about forex trading & its various aspects. Another important aim behind forming Reliable Solutions Ltd was to educate traders honestly on the basis of our extensive research and to help investors by generating consistent profits for them.

Could you walk us through the process of starting up as a Forex Trader?

Actually starting up as a forex trader is not a big thing. Because there are many online sources available that helps you to understand forex from the basics. The most important thing is when you start forex trading, how you survive in the market. At the start of the trading career if someone really controls the greed then rest of the things are very easy. I always say, starting forex trading and learning its aspects is not a rocket science but the important thing is how long one can stick up to basics and control the greed.

How have you been developing Reliable Solutions?

As I mentioned above, Reliable Solutions Ltd is formed to do the research, share education and help investors by generating consistent profits for them. As I am in this industry since 7+ years, I always feel that the willingness to share pure knowledge is somehow missing. My company is trying to develop the things that will help traders to get proper trading education in a most transparent and unique way. Also, innovation and integrity will be our top priority in order to provide services to our investors as well. I bet, in coming years, Reliable Solutions Ltd will be the first choice for traders who wants to learn forex honestly and for investors who wants to invest their hard earned money safely.

Did you find anything particularly difficult during the initial stages of breaking into the industry? 

There are many companies manipulating, misguiding newbie traders by offering some unrealistic things. At the initial stage this may be a big difficulty because without a proper knowledge it is hard to judge the reliability of a company/broker/product. Fortunately I successfully overcome it by showing a great patience and by controlling the greed. My focus was to gain pure knowledge and to test it in a real time. I always believed, ‘if you focus on gaining pure knowledge then money will automatically follow you.’

What is one strategy that you believe has helped grow your business?

High level of integrity and not compromising with the quality are the 2 things that helped me a lot to attain success in forex trading business.

How do you find the industry that you are in? 

I love forex. Forex is the only industry in the world where everything can be gained if worked with a dedication. I always say, Forex is the ocean of unlimited knowledge, unlimited opportunities and unlimited profit making.

Have you developed any industry insights that you could share?

To be frank, there is no specific insight one can develop for this industry as it gives you difference experience on each new day. To survive and to succeed, one must trust the system that suits him/her and follow it.

How have you managed to stay relevant in this dynamic industry?

In today’s ‘e-world’, staying relevant is not a big task if willingness to adopt and absorb new technology is there. But of course the foundation must be strong and pure. In our case, we can proudly say that we are standing on a very strong foundation of pure knowledge that is helping us to grow consistently despite of a healthy competition.

What is your approach to personal development?

I would like to answer this question by relating it to forex again. If a forex trader is really dedicated for trading then he automatically learns to keep patience in tough market situations, he learns to manage risk properly and he learns to study things thoroughly. In my opinion these 3 qualities can be helpful in personal development as well. With these qualities, any person may win in any situation. Whether it is a forex or a life, analyzing the reason of loss or mistake is good but analyzing the reason of profit is equally important. It helps us to do better and better every time.

If you could start all over again, would you change anything about your approach? 

I am happy, confident and satisfied with my current approach. But yes, hunger for perfection and knowledge will never end.

What do you think about startups in Asia?

Combination of hard work and brilliancy can be found in Asia very easily. But startups need to show little patience so anybody may able to reach their targets without fail.

What is one market trend that really excites you?

I feel comfortable with any kind of market trend as long as profit making opportunities are there.

What is one habit that makes you more productive?

Hunger to gain maximum knowledge and to achieve maximum perfection.

Why did you decide to become a Forex Trader?

I love challenges and I found forex market somehow challenging.

What do you think are the most important things entrepreneurs should keep in mind?

They should not lose faith/trust in themselves and in their ideas.

In your opinion, what are the keys to entrepreneurial success?

If entrepreneur adopts these qualities then no one can stop him/her from achieving desired success – Smart Work, Hard Work, Patience, Open Mind, Consistency, Self Confidence, Self Trust and Humbleness.

Any parting words of wisdom for entrepreneurs out there?

Here I would like to mention the same thing that I always like to share with all – ‘Never give up. Stick to the basics and plan the things properly keeping in mind that you are never going to give up in future. To this kind of planning, I call ‘Risk Management’.


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Callum Connects

Jasmine Tan, Director of Stone Amperor



Jasmine saves her clients time and effort when doing kitchen fit outs with her biz Stone Amperor.

What’s your story?
I started working in the industry in 2003. I was in a marble and granite supplier company for 5 years. Even though I left the company, I still had customers calling me for my services. I referred them back to my previous company but they refused to because they loved the fast response service that I offered. I realised that customers do look at prices, however most of them prefer quality over quantity. Thus I have decided to establish a sole proprietor company also known as 78 Degrees which later rebranded as Stone Amperor in 2014.

What excites you most about your industry?
The kitchen countertop industry is a very confusing market. There are many brands, materials and prices to choose from. What excites me the most is my ability to help clients choose the best materials and brands within their budgets, whilst saving them time and effort.

What’s your connection to Asia?
I have been in Asia all my life and I love Asia. No matter where you go there is no place like home.

Favourite city in Asia for business and why?
I love Singapore. This is because Singapore has always been a stable country and it is great for doing business. However as it is a small country, it can be really competitive. I believe that if just do your best and give your best to your customers, you can overcome this.

What’s the best piece of advice you ever received?
“Take actions. Learn and improve continuously. An idea without action is just a dream.” This was really good advice that I received from my partner.

Who inspires you?
A very down to earth billionaire from Malaysia, Robert Kuok

What have you just learnt recently that blew you away?
Property is the foundation of every business.

If you had your time again, what would you do differently?
Own instead of renting property for my business.

How do you unwind?
I enjoy going shopping, watching movies and hanging out with friends. I am quite a simple being.

Favourite Asian destination for relaxation? Why?
I love going to Taiwan as I love the culture there. Everyone is so polite and the weather is great.

Everyone in business should read this book:
Sun Tzu, Art of war

Shameless plug for your business:
Perfect top, Perfect price, Perfect life from Stone Amperor

How can people connect with you?
Email me at [email protected]

Twitter handle?

This interview is part of the ‘Callum Connect’ series of more than 500 interviews

Callum Laing is an entrepreneur and investor based in Singapore. He has previously started, built and sold half a dozen businesses and is now a Partner at Unity-Group Private Equity and Co-Founder of The Marketing Group PLC. He is the author two best selling books ‘Progressive Partnerships’ and ‘Agglomerate’.

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Download free copies of his books here:

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Is There A Coworking Space Bubble?



An annual growth rate of nearly 100%, almost five years in a row? More than 60 coworking spaces in a city like Berlin? Are these the characteristics of a bubble? Nope, these are characteristics of a lasting change in our world of work, which has been further catalyzed by the recent economic crises in many countries. But what makes this change different to a bubble? We’ve summarized some arguments of why the coworking movement is based on a sustainable change. However, that doesn’t mean it’s an easy job to open a good working coworking space.

Five reasons why the growth of coworking spaces is based on organic and sustainable growth: 

1. Coworking spaces invest their own money and create real wealth

Already, there is a convincing argument supporting why coworking spaces are not developing in a bubble: the fact that they create real wealth.

Whether referring to the dotcom bubble a decade ago or the real estate crisis in Spain or the United States, the crisis originated in a glut of cheap money, in an environment in which the sender and the recipient were unacquainted. From funds and banks, money flowed in steady streams to investments which offered little resistance and the most promising returns – which only a little while later turned into delusions and ruined investments.

Redistributed risks create illusions. Those people who distributed the money rarely wore the risk of investment decisions. The risk was mainly taken by small shareholders or people who bought parts of those investments. This was because either both parties’ (better) judgement was drowned out by the noise of the market, or because shareholders were unaware of the risk, and were at the mercy of banks and funds for reliable information.

Another fundamental condition for the creation of bubbles are the sheer amounts of money that flow from various locations globally and are concentrated, by comparison, in much fewer places.

Most coworking spaces, however, receive their funding from local or nearby sources and do not operate within this financial system. In fact, the founders mainly inject the bulk of the required investment, and turn to friends or relatives for additional support. They wear the full brunt of the risks that are involved in small-time investment.

They have access to much more information, because it is their own project, rather than a foreign one thousands of miles away. This also includes failures and mistakes that are encountered along the way, but the risk is less redistributed, thereby decreasing the probability of failures.

2. Labor market changes demand on certain office types lastingly

Most users of coworking spaces are self-employed. The proportion of employees is also on the rise, in many cases simply because they work for small companies that increasingly opt to conduct their business in coworking spaces rather than in traditional offices. The industry of almost all coworkers fall within the Internet-based creative industries.

With flexibilisation of work markets, new mobile technologies that are changing work patterns, and the increase of external services purchasing from large and medium-sized enterprises (outsourcing), the labor market has changed radically in many parts of the world.

The long-term financial and emotional security of becoming an employee no longer exists, especially for younger generations of workers. Bigger companies are quicker to fire than hire, and precarious short-term contracts are on the rise. Promising options on the labor market are more often recuded to freelancer careers and starting your own company.

And that’s possible with less money to invest. All you need is a laptop, a brain and a good network. For years, the number of independent workers and small businesses has been growing worldwide – particularly in internet-based creative industries. Anyone who has sufficient specialized skills and the willingness to take risks may adapt more quickly to market conditions if they own a small business or are self employed; more so than if they were to work in a dependent position in an equally volatile market.

Coworking spaces provide an environment in which to do this. Once they have joined a (suitable) coworking space, these factors become apparent to coworkers, who will remain in their space for years to come.

Furthermore, independent workers rarely fire themselves in crises, and even small companies are less likely to give their employees the boot – compared to their large counterparts. This combination enables more sustainable business models – and less business models à la Groupon.

3. Coworking spaces don’t live on crises

Global economic growth is waning while the number of coworking spaces is continually growing. Do coworking spaces thus benefit from this crisis?

The current crises accelerate the formation and growth of coworking spaces, because they offer solutions and space for the resulting problems. Coworking spaces are therefore not a result of a crisis, but the product of change that pre-dates their existence. A crisis is simply the most visible expression of change.

The first coworking spaces emerged in the late 1990s; the movement’s strong growth started six years ago – before the onset of economic downturns in many countries.

4. Coworking spaces depend on the needs of their members

Most coworking spaces are rarely full. Does this mean they are unsuccessful? On average, only half of all desks are occupied. But the average occupancy rate of 50% refers only to a specific date.

In fact, coworking spaces generally serve more members than they can seat at any given time, since members do not use the spaces simultaneously. Coworking spaces are places for independents who want to work on flexible terms. Smaller spaces rely more on permanent members. Larger spaces can respond more flexibilty to the working hours of its members, and, can rent desks several times over.

If a coworking space is always overcrowded or totally empty, the purpose of said space would be defeated. Firstly, it is rather impossible to work in an overcrowded room. Second, it’s impossible to cowork in an empty room. Given the nature of flexible memberships, a coworking space only can survive if they fit the needs of their members. Members would otherwise be quick to leave, and membership would be much more transient.

5. The coworking market is far from saturation

Less than 2% of all self-employed – and even fewer employees – currently work in coworking spaces. Reporting on coworking may increase, but inflated reporting on the coworking movement in the mainstream media is still far away.

Coverage of coworking space are most likely to be found in the career or local sections in larger publications – front cover coverage remains the dream of many space operators. This is because the whole coworking movement can’t be photographed in one picture. What appears to be a disadvantage, however, is actually a beneficial truth: niche coverage allows the industry to grow organically, and avoid over inflation.


Coworking spaces don’t operate in parallel universes – like the financial market. Demand and supply are almost exclusively organic and operate in the real world economy.

For the same reason, there is no guarantee that opening a coworking spaces will be automaticly successful. Anyone who fails to learn how to deal with potential customers in their market, or is unfamiliar with how coworking communities function, will have a difficult time of making one work. In the same way that business people in other industries will fail if they do not understand their market.

Those who simply tack on the word ‘coworking’ to their space’s facade will need to work harder. The structure of most coworking spaces is based on real work, calculated risk, and real-world supply and demand.


About the Author

This article was produced by Deskmag. Deskmag is the magazine about the new type of work and their places, how they look, how they function, how they could be improved and how we work in them. They especially focus on coworking spaces which are home to the new breed of independent workers and small companies. see more.

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