Year In Review – 2019 Returns

It is that time of the year again when I do a review of my investments, expenses, net worth and also plan for the upcoming year. This year is special because I also have to do my 10 year planning as this is the start of a new decade. Anyway, enough banter, on to the good stuff. As usual, this will be a series and this is the first of them which covers my returns in 2019. Portfolio vs Index I got returns of 9.25% last year. When compared to some well known indices, my portfolio performed better than most, … Continue reading “Year In Review – 2019 Returns”

There’s no such thing as a free lunch

This message will self destruct in 10 days because it is not a post that is helpful to the readers of my blog. But I need to let my readers know why I am doing what I am about to do. Basically, I have my blog running on a Google Compute Engine (GCE) instance. Since my traffic is very very small, I could manage with a micro instance which was free and I did not have to pay anything for hosting (I still pay for the domain name). The details are not important, but GCE will start charging me from … Continue reading “There’s no such thing as a free lunch”

Franklin India Ultra Short Bond Fund is Down!

Normally I do not write any mutual fund specific posts because I do not recommend specific funds. But in this case I will make an exception because many people I know have invested in Franklin India Ultra Short Bond Fund and are shocked to see it go down by 4.36% in one day! Yes even ultra short term debt funds go down. Most people forget or ignore the credit risk involved in debt funds. If you want absolute safety of investment go for liquid funds or overnight funds. Anyway, back to the point, I don’t have all the information at … Continue reading “Franklin India Ultra Short Bond Fund is Down!”

The Doll House Project

What do you tell your daughter when she asks for a doll house? Well if you are like me, retired and have no work then you will say “I will build one for you” 🙂 . And so it began. We had a few corrugated cardboard boxes which were the packaging material used for some furniture or electronics. We decided to build the doll house using that material so we can reuse the waste and also teach our kid some hands-on building skills. Eventually it turned out to be a skill building session and a test of patience for me … Continue reading “The Doll House Project”

Should You Invest in Bharat Funds?

By now everyone must have heard about the PSU based ETFs, namely, Bharat 22 ETF and Bharat Bonds EFT. Should you invest in them because they carry the safety of investing in companies mostly owned by the government? That is the topic of today’s post, but I will be brief. Bharat 22 ETF First, lets start with the Bharat 22 fund because it is easier to come to a decision. Bharat 22 ETF was introduced as a divestment vehicle for the government. It is a fancy way of saying that the government wants to get rid of some of its … Continue reading “Should You Invest in Bharat Funds?”

Happy New Year 2020!

I would like to wish all my readers a very happy new year! May this year bring more happiness and cheer. I hope 2019 has been kind to you and you were able to achieve your goals. As for me, 2019 has been the first full calendar year in retirement and it was just fabulous! I am still getting used to the life in retirement although it has already been nearly one and a half years. In the last one year I published more than 50 posts on various topics including health and fitness, financial planning, my financial report, various … Continue reading “Happy New Year 2020!”

Realme X Review: 3 Months Later

After a lot of research, I finally decided to buy Realme X although it did not meet all my criteria of a good phone. But after having used it for almost 3 months, I am really loving it in more ways than one. Here is a quick review of the phone in case some one decides to buy one. The 4 GB RAM with 128 GB storage flavor of the phone has an advertised price of Rs. 16,999 on Flipkart. But when I purchased it during the Diwali sale on Sep 30, 2019, it was available for Rs. 15,299 after … Continue reading “Realme X Review: 3 Months Later”

My Search for an Ideal Phone

I have always used some of the more expensive android phones up until my brush with minimalism. After that, I decided I need to buy something for what it is really worth for me. I have always been a value conscious guy, which means I try to get the best value for my money. But nobody ever said that the money needs to be a small amount 🙂 . So I used to buy moderately expensive stuff, but still with good value. I considered a $2100 gaming laptop a worthy buy because of the value of the components. Which is … Continue reading “My Search for an Ideal Phone”

Where is the Stock Market Heading?

While I don’t predict where the markets are headed, I sure do enjoy the news and commentary which do. Some headlines attract my attention when I am reading the daily news. I email myself those interesting articles which predict Sensex or Nifty to touch a certain level by a certain date. Then I snooze the email until that predicted data. If you didn’t already know, gmail has this nifty (no pun intended) little feature which allows an email to be dismissed from your Inbox only to magically reappear on a certain date. I use it quite a lot. So in … Continue reading “Where is the Stock Market Heading?”

Update on Rain Water Harvesting Project

One of the benefits of retiring is that you have a lot of free time and you itch to do something. But without a boss and a project to throw you around, you are on your own. Which means you can come up with whatever ideas that fancy you. One such idea was the rain water harvesting project. I blogged about it a few weeks ago and you can read all about it there. As I mentioned in that post, the project was still a work in progress as we were trying to improve some shortcomings and fixing bugs (software … Continue reading “Update on Rain Water Harvesting Project”