How to Choose a Debt Mutual Fund

Hopefully you have read my post on how to choose a mutual fund. This post is kind of an extension to it. I will specifically explain what things you need to look for when picking a debt mutual fund as opposed to the general advice given in the other post. While I don’t consider myself an expert, I will give you some tips based on my experience. But first, the usual disclaimer: Disclaimer: Information provided in this blog is to help educate you. Any mutual fund, company or stocks mentioned within the post are used only as examples, and should not … Continue reading “How to Choose a Debt Mutual Fund”

Bored In Retirement. Not.

When I announced my early retirement, some well wishers asked me if I would get bored with so much time on my hands at such productive age. When I told them that I will be working on some fun projects, which should keep me busy, they still wondered if I would feel bored after 6 or 9 months. Some call or email me every few months to see how I am doing. My relatives ask my parents if I am getting bored. It is now almost 9 months since I retired and yet my To-Do list keeps on growing and … Continue reading “Bored In Retirement. Not.”

Debt Funds vs Fixed Deposits

If you ask someone whether Fixed Deposits are better or Debt funds are better, more likely than not, you will hear a biased answer towards either of them. Some swear by FDs and their safety, while others say debt funds always give better returns than FDs. Lets bust some myths and try to get an understanding of how these two types of investments work. Before going any further, if you are eligible for Senior Citizen Saving Scheme (SCSS), then I would say that is the best fixed asset option for you, if your investment is less than Rs. 15 lakhs. … Continue reading “Debt Funds vs Fixed Deposits”

The Peer-to-Peer Lending Experiment

It is 3 years to this day, when I first decided to get my feet wet with a new type of investment — peer-to-peer lending. While peer-to-peer lending is nothing new in countries such as the US at that time, it was relatively new in India. After reading about the lending platform called LenDenClub, I decided to give it a try to see if I could get some good returns. How it Started Peer-to-peer lending is a high risk and high return asset class which is certainly not for everyone. Don’t go down this path unless you understand the risk. … Continue reading “The Peer-to-Peer Lending Experiment”