Archive of posts from January 2023


  • Year In Review - 2022 Returns

    Continuing on in the year in review series, I now take a look at my returns in 2022. Although this is not really important since investments are for long term and there is no point looking at returns every year, I like to review it nonetheless. Last year, the stock market contrary to its general nature, did nothing interesting really. It was mostly flat with the market touching the peak around January and went down to the lows in June and back up by December. In the end, most of the indices that I track have ended slightly higher than where they started the year. My corpus performed inline with the indices, nothing too high or low. Enough talking lets start by comparing my portfolio returns with some of those indices.

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  • Year In Review - 2022 Annual Expenses

    In the previous post I wrote about my monthly expenses. This is the continuation of that post and I will be covering my annual expenses in 2022. While monthly expenses are those kind of expenses that occur more frequently, yearly expenses occur rarely, perhaps once every few years like house repairs or buying a new car etc. I will explain where we are spending the most and why. Remember that for all the expenses, whether monthly or annual, the money is coming out of my retirement corpus which consists of a bunch of debt and equity mutual funds. There are no other incomes or special savings for annual expenses. Every year since retirement we have seen different kinds of expenses and last year wasn’t any different either.

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  • Year In Review - 2022 Monthly Expenses

    You already know about the two kinds of expenses that I track – monthly and annual expenses. You probably also know that I publish my expense report for the past year and mull over it a bit. Then I create a new budget for the expenses for current year. Following the tradition, here is a post about my monthly expenses in 2022 and the budget for 2023.

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  • Year In Review 2022

    Happy new year to the readers of my blog. I know that statement becomes stale quite quickly. Like every year, I reflect upon the events that happened over the last year and write a short summary of how things went and where I can improve for this year. Of course, every year is different with new challenges and events, so the learnings don’t always easily translate to the new one, but we should at least try :). Compared to 2021, the previous year was considerably better. There were no more crazy COVID-19 waves and people’s movement and businesses footfalls have gone back to their pre-covid levels. That is the good news in general at a global level. The bad news of course is the Russia Ukraine war and the persistently high inflation all over the world. In addition to that, I have my own highlights and lowlights at a personal level. Let me unwrap them quickly for you.

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