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Should We Be Greedy or Fearful In The Current Market?
Should we be greedy or fearful? I really don't know. This is one of those confusing times. When the markets crashed all over the world due to COVID-19, I thought it was a good time to be greedy. But soon, the markets recovered some of the losses making it a confusing time. If markets don't fall down deeply, there is no way to properly time the market, which is what I like to do. In the current situation, I can do nothing much but keep my asset allocation the same as the markets move sideways.
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Virtual Meetup
Given the COVID-19 situation, it is probably better to do a virtual meetup rather than a physical one. So 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 me 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 on the blog, this is your chance.
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How Much Will I Get From Franklin Ultra Short Term
You have all read about the Franklin debacle regarding the closure of 6 Franklin India Debt Funds. Many have invested in those funds. Especially the Franklin India Ultra Short Term fund, lured by the excellent returns. I am also one of the investors in the ultra short term fund. And I have a significant portion of my debt portfolio in it. The fund came with a promise of "optimum balance between regular income and high liquidity". But now, it can neither generate regular income, nor does it have any liquidity at all. Talk about the irony :)
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Is Unschooling for Everyone?
While we jumped ship and joined the unschooling camp, it may not be for everyone. Just like how early retirement is not applicable to everyone, so too is homeschooling or unschooling. While we still consider that we are at the early stage of our unschooling journey (although we have been unschooling for a couple of years now), I can already see a few "disadvantages" and "risks". I had to put those words in quotes because we don't see it as a disadvantage, or risk, but for some others it looks that way.
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Investment Recommendation App I use
If you remember how I handled the market downturn and why I don't follow the 70:30 allocation, you know the reason behind it. I was just doing what my app was recommending me to do based on the market. For the past few months I have been rewriting the app and finally have parity with the old version. This is one more of those pet projects of mine that I always wanted to work on after retirement and now living the dream :)
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How we went from Homeschooling to Unschooling?
I already talked about why we unschool our kid. And you also know that we did not start out that way. Like most parents, we started out with the idea of homeschooling and then eventually we are turning more and more into unschooling parents. The reasons are quite complex and we ourselves probably don't know the true story because it happened ever so slowly and we still are in the process of unschooling. Still learning that many things we are doing are not really unschooling, but a mix of home and unschooling. Seems like this unschooling things is more of a journey than an end goal.
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Franklin Wind-up Situation
Franklin Templeton is winding up 6 yield oriented debt funds because of the liquidity situation that came about due to COVID-19. If you are invested in the following funds, you might have received an email from Franklin.
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Consolidating Your Portfolio
I am sure everyone of you at some point have wondered why you have so many funds in your portfolio. I am one of them too. If you have wanted to consolidate your funds into fewer funds in fewer categories, this post should help you get there.
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The Truth About My Passive Income
Many people have been wondering and some were asking if I have any other passive income other than my investments in equity and debt mutual funds. Some think that I may have some real estate income or business income or some other income that I am not disclosing. Here is a post to bust some myths and bring out the truth.
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Our Unschooling Journey
Our journey towards unschooling was a bit haphazard and not a straight forward decision. In the initial years we were unclear whether we wanted to home school our kid or not. I have always wondered if I would have gained more knowledge and moved faster in life if I was home schooled. As a kid I used to complain that I wish I would not be forced to study all the subjects that we were taught in school. I asked my parents if there is a school where I can only study math, physics, chemistry and computers and nothing else. This was way back in 5th standard or so, when I was may be 10 or 11 years.
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