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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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A Simple Investment Plan
It has been 10 years since I first started investing. When I look back at how I invested back in the day, it looks so simple. No complicated planning or exotic products. I always believe in starting with something simple. Whether it be investments, work, hobbies, nutrition, exercise, you name it. There are several advantages of this approach.
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Coping With Loss By Visualizing In Advance
Have you ever thought what you would do if you lost all your wealth? How would you react if you lost a loved one? What about physical disability? I know these are some really disturbing thoughts. You might be wondering if I have darkness in my heart for asking you to think of such aspects of life. But this is an exercise I practice from time to time.
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Collecting Data From Solar Panel Setup
After having setup the solar panel on our terrace, I wanted some data. Specifically I wanted to know the panel output over the course of the day and how much energy savings we are enjoying. The solar management unit (SMU) gives some details about the instantaneous power output and energy savings. But for some reason I felt the numbers look a bit too optimistic. Moreover I could not get more granular data from it. I guess it has more to do with not invented here syndrome. Either way I decided to hook up some sensors myself to gather all the data I'd like from it.
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Virtual Meet-up #6
Here is an invite to join me in a virtual meet-up to discuss random things on the topics of financial planning, early retirement, home schooling or sustainable living. We can share our stories and ask each other questions or give suggestions. As a group we can learn from each other's experience, learnings and pit-falls. Since I post a lot about myself on this blog, you probably already know everything about me. But if you ever wanted to ask me something and did not bother to comment, this is your chance.
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Cash Flow In Retirement
I realized that I don't have a post on how I fund my expenses after retirement. So here is something to help you understand my cash flow. Most of the numbers shared here depend on my monthly expenses. So please keep the Rs. 50,000 per month expenses in your head while reading the post.
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Solar Panel Performance And Energy Savings
Alright, so I got my solar panels and solar management unit setup all done. Now for the results. According to the spec sheet of my solar panel, it should be able to generate peak output of 320 W. And it certainly did. In fact on some rare occasions it actually produced more than the rated capacity! I was really surprised that something can outperform a spec sheet. From the spec sheet, the panel is supposed to produce 320 W with an irradiance of 1000 W/m2 under standard test conditions (STC). Whatever that means.
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Market Euphoria And Relevant Trends
The number of new fund offers (NFO) in the recent past is giving me the jitters. Have you seen how many NFOs were offered? And investors are just lapping them up clean. And let us not even talk about the IPOs. I am not here to make predictions, but the market seems to be reaching euphoric phase. And you know what that means to the stock market once the excitement subsides.
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Optimal Tilt For Solar Panels
You might have noticed that in my DIY solar panel setup, the mounting structures were conspicuously missing. That was not a mistake. Actually I looked at many solar panel mounting structures, but most of them are not adjustable. The few ones I found were either too expensive or for smaller panels. So I decided to go find a local metal works fellow and get it built. However, thanks to COVID lockdown and such I decided to go with something simple -- jugaad style instead. More on that later. But first, why is the tilt so important?
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How Much To Invest To Accumulate 5 Crore By The Age Of 45
I read an interesting article where someone wanted to know how much they need to invest to accumulate Rs. 5 crores by the age of 45. It would be interesting to see how I would answer that question. I was also wondering if there are enough tools on my blog to be able to answer such questions.
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