One Year Since COVID, Franklin, Sensex And Other Lows

It has been a year since I have seen all kinds of lows of 2020. That year turned out to be quite bad. However, it seems like 2021 is not going to be much better when it comes to COVID. But not everything is as bad. This post is a look back at what happened since the last year lows (from my perspective) and how things are now compared to one year ago. Here are a few lows from a year ago around this time (March – April) COVID-19 cases start to rise in India Sensex is down more than … Continue reading “One Year Since COVID, Franklin, Sensex And Other Lows”

Learnings From 2020

The year 2020 has been special in many ways. We have seen something that was unprecedented not only in my life, but even during my parents life. Who would have ever imagined a lock-down of the whole nation for example? Many things were a first in 2020. While the year was not too bad, I did have a few learnings. In this last post (hopefully) in the year review series, I want to go over my learnings. Pretty much all my issues and the resulting lessons were related to Franklin :). Bigger emergency fund One of the problems I faced … Continue reading “Learnings From 2020”

Year In Review – 2020 Plans That Failed

From what you have seen so far in my year in review series, you might think 2020 was not too bad. It seems like most of the things worked out fine for me except for that loss of electronics and Franklin fiasco. But that is not really true. We made a few other plans that just did not go well at all. Here is a review of those disappointments. Consolidating my portfolio When the year started I made a lot of plans to consolidate my debt funds. Like I mentioned in my 2019 year in review I had 9 debt … Continue reading “Year In Review – 2020 Plans That Failed”

Year In Review – 2020 Investments and Redemptions

In the past few posts, I have written about my expenses, investment returns and net worth. In this post I want to show you my investment pattern over the last year. I will try to explain my weird investment behavior. A word of caution though. Do not copy my investment style. It will most likely do you more harm than good. The reason is quite simple. I am a retired person with no income. If I had a salary I would certainly invest differently (read more equity investments). I will most certainly do my monthly investments and not the random … Continue reading “Year In Review – 2020 Investments and Redemptions”

Year In Review – 2020 Net Worth

Continuing on with the year in review series, next up is net worth. This year I wanted to make a small change to my net worth calculations. For the last 2 years I have included my US stocks (employee stocks) as part of my net worth. That has caused a lot of confusion to my readers. While my company stocks in the US are worth something, I am planning to keep it out of the reviews. That corpus is supposed to be used for my international (mostly US) vacation. So no point dragging it into net worth calculations. Another confusion … Continue reading “Year In Review – 2020 Net Worth”

Year In Review – 2020 Expenses

This is the continuation of my 2020 year in review series. See my previous post if you missed my returns report. As you probably already know, I maintain two set of expenses — one for monthly expenses and another for annual expenses. The monthly expenses include expenses that occur more frequently than once a year and the rest of the expenses go into annual expenses. Lets dive deeper into the report. Monthly expenses I have allocated a monthly budget of Rs. 56,000 for the year 2020. Below is the consolidated view of my budget, the actual expenses incurred on average per month, … Continue reading “Year In Review – 2020 Expenses”

Year In Review – 2020 Returns

At the start of every new year I review my portfolio and take stock of my expenses, returns and net-worth. So just like last year I am reviewing my returns for 2020. This is the first of the year in review series. I will also post my expenses and net-worth reviews in upcoming posts. Without wasting too much time, lets get right to it. Portfolio vs Index — Returns The first thing I do is to compare my returns with index. Of course it should not really matter, but I like to have fun like that :). The index returns … Continue reading “Year In Review – 2020 Returns”

Happy New Year 2021!

Wish you all a very happy new year! Hope this year brings you more health, happiness and prosperity. When I wrote the new year post last year, little did I know that things will change so quickly. We have gone through some turbulent times indeed. I’ve had my fair share of ups and downs, but on the whole I ended the year on a positive note. Without going into too much detail, let me recount what happened in my life in 2020. Blog First let me start with this blog. I wrote more than 100 articles last year! That is … Continue reading “Happy New Year 2021!”

Year In Review – 2019 Net Worth

The final post in 2020 Year in Review series, is my net worth. Like last year, I took stock of my investments and asset allocation. As a reminder to the readers, the idea is not to know how much I am worth, but mainly to understand my asset allocation. Even so, it is fun to check out the net worth, so here it goes. Since I have retired, I don’ t have PF anymore. I took out all my PF investments and moved them to debt funds because I am liable to pay taxes on the interest earned on PF after retirement. … Continue reading “Year In Review – 2019 Net Worth”