Posts in category "year-in-review" - page 2
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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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Year In Review – 2021 Net Worth
It has been a while but I just realized that I did not do my net worth analysis as part of my year in review series. So here we go. I am doing the net worth calculations using the very basic formula for net-worth which is basically
...continue readingassets - liabilities. Some don’t agree with that formula, but I will continue to use it since that is what I have used in the past. If I change the formula now, then there will be discontinuity in the numbers. Moreover, since I don’t publish any numbers, it does not matter what my net worth really is. It is only to show how it has grown over the years. My retirement is in no way dependent on my net worth. It is only dependant on my corpus of investments (debt MFs and equity MFs). Real estate is not an investment since I live in it. -
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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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.
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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 :).
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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.
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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 investments as you will soon see.
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