Archive of posts from March 2019


  • 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:

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  • 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 there is no scope for boredom. But it is fun that way because I am working on the things that keeps me interested and excited to jump out of the bed every morning to tackle them. Most recently, I completed my drip irrigation and automation project to some satisfactory level. I will probably post something about it in a future post. I am happy to report that I am not yet bored and still have a long way to go. In this post, I want to give an overview of my tasks so you can understand why I don't get bored and may be it will help you decide if you should retire early or not.

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  • 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.

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  • 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.

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