Posts tagged with "debt-funds"


  • Should I Invest in Retail Direct Scheme

    The minute I read about RBI launching retail direct scheme to allow retail investors to invest directly in the government bonds, I got excited. I have a huge portion of my investments in G-Sec (government securities) via various mutual funds. If there is a way I can invest directly with RBI, side stepping mutual funds, I could save on some expenses (expense ratio). Sounds good in theory, but will it work? Here are some of my initial thoughts on the scheme as applicable to me.

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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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  • 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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  • 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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  • 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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  • Interest Rates On Govt. Schemes Have Been Cut

    Finally some good news that I have been waiting for. The interest rates for the governments schemes have come down. Just in yesterday's post I have been complaining about the high interest rates of many of these schemes have been the barrier for the rate cut transmissions.

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  • How to Choose a Debt Mutual Fund

    Hopefully you have read my post on how to choose a mutual fund. This post is kind of an extension to it. I will specifically explain what things you need to look for when picking a debt mutual fund as opposed to the general advice given in the other post. While I don't consider myself an expert, I will give you some tips based on my experience. But first, the usual disclaimer:

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  • Debt Funds vs Fixed Deposits

    If you ask someone whether Fixed Deposits are better or Debt funds are better, more likely than not, you will hear a biased answer towards either of them. Some swear by FDs and their safety, while others say debt funds always give better returns than FDs. Lets bust some myths and try to get an understanding of how these two types of investments work.

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