Posts in category "post-retirement"


  • Year In Review - 2021 Returns

    Continuing on in the year in review series, I now take a look at my returns in 2021. 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 had a real crazy bull run. Those kind of dream runs rarely happen, so congratulations on living through one of them :). It does not matter which index you look at, all of them were in the green. So lets start by comparing my portfolio returns with some of those indices.

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  • Year In Review - 2021 Annual Expenses

    In the previous post I wrote about my monthly expenses. So in this post I will be covering my annual expenses in 2021. 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 laptop etc. Once I go over the expenses I will explain why we spent where and then we will move on to the budget for this year. Every year after retirement has been different with an interesting set of expenses that were never seen in the previous year. Last year wasn’t different either.

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  • Year In Review - 2021 Monthly Expenses

    By now 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 2021 and the budget for 2022.

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  • Year In Review 2021

    Every new year I reflect on the last year and write about some of the highlights and low-lights. Continuing that tradition, this post is all about what interesting things have happened in my life in the year gone by. When the year 2021 began, I was hopeful and optimistic because year 2020 has been a particularly bad year on many fronts especially the impact of COVID-19. Unfortunately 2021 was even worse. We saw the first wave of COVID-19 in 2020 and I thought that was bad enough. But in 2021, India was hit by the second wave with a much graver consequences not just in India but all over the world. And yet, here we are looking eye-to-eye at a possible third wave that may hit us even worse.

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  • How Much Did Franklin Ultra Short Term Fund Return

    It has been more than a year and a half since Franklin Templeton India sent out that email letting investors know that it is winding up six debt mutual funds. There was a lot of uncertainty at the time and many people were worried that they might lose their investments. Nothing of that sort has happened and we got back most of it. There is still some more to come, but at least people are confident that they will get back their full investment. That is also the reason that we don’t hear much in the news about Franklin anymore. Back in the day you would hear about it pretty much every other week.

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  • Laptop Price Inflation

    Last time I did a review of my electricity bill inflation. Conveniently I was tracking the utility bills since 2012 so I had enough data. That got me thinking. May be I can find other expenses for which I have long enough data to calculate inflation. Remember, inflation is different for different products. For example, your food inflation will be different from your medical bill inflation, or electricity bill inflation etc. So you will need to find the inflation for each category of expenses. Since I recently purchased a laptop, I thought if I can dig up some old bills, may be I can calculate my laptop expenses inflation. Which is exactly what this post is all about.

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  • Acer Aspire 7 Review

    As you already know, I recently purchased a budget gaming laptop – Acer Aspire 7 with Nvidia GTX 1650 graphics card. I really did not need a gaming laptop because I barely play games anymore. But the deal was so good compared to a similarly spec’ed laptop without the graphics card, that I could not pass up the deal. It’s been only 10 days since I have the laptop under my possession, but that does not deter me from writing a review. If you are also looking to buy this laptop, this post might help you in making a decision. If you are not planing to buy one and are still reading, you might be here to pass some time. Either way have fun.

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  • Real World Application of 4% Rule

    I have not even completed 4 years into retirement, yet I wanted to check how the 4% rule is working for me. Please keep in mind that this is such a short time in retirement that we can’t make any conclusions about whether 4% rule really works in this day and age at all in India. We will only know its usefulness in a much longer duration like a decade or so. This exercise is to understand how a 4% rule will work with and without the 20% buffer I usually talk about. Lets get started.

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  • Giving Up Satellite TV

    As part of minimalism, we try to reduce stuff from our life every now and then. Like Bruce Lee said, “hack away the unessential”. You may recall some of our minimalism activities from the past like selling our car or the minimalist wardrobe. This time around we wanted to experiment with cutting out satellite TV from our life.

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  • Asset Allocation After Retirement

    What asset allocation should you go for after retirement? That is not a common question I hear from readers of my blog because most of them are still in the accumulation phase and don’t have to worry too much about retirement yet. But it is something that I struggle with myself from time to time since I am already retired. If you are close to retirement or are already retired, maybe this post will help. In case you don’t already know what an asset allocation means, please read my post on it.

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