Posts tagged with "investment"


  • Have A Checklist

    Whenever I notice that I need to do something routinely which has a bunch of steps based on certain conditions, I turn to creating a checklist. Having a checklist helps me immensely. If you follow a checklist you can avoid mistakes and complete the work quickly. Take for instance doing taxes. If I did not have a checklist, I am certain to miss something or the other and then will have to file a revised tax form. Of course when there are new entries in the tax form, or if your incomes have changed, I update the checklist. I have similar checklists for making backups of my media (photos, music, movies etc), laptop (code, libraries etc) and even for investing.

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  • How Much Do You Need To Retire At 45

    A few days ago, I read an article where the reader wanted to know how much corpus they need to retire by 45. I thought it was interesting and wanted to use my own calculators to see what numbers I would arrive at. I was surprised at how very close my number was, compared to what the advisor in that article gave. But do remember that for the exact same question different people will give different answers based on their own past experience and their biases. Anytime you take financial advice, do keep that in mind. No one has the perfect right answer. They are just approximations to lead you in the right direction. In the end, you need to figure out what the right advice for you is.

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  • 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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  • Trimming Expenses

    In my last post I mentioned that I was confident of my approach to early retirement. In addition I wrote about a couple who have been retired for 30 years by just following the 4% rule. One of the learning from that post is that there could be a huge drop in market that may hit my investments badly. In that case my investments may not keep up with my expenses. For example if there is a prolonged market slump. And I need a plan. The plan starts with cutting down my expenses temporarily so that my investments can catch up.

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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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  • Maximize Investment Returns (While Taking On Some Risk)

    With more powers come more responsibilities. Err... I meant to say, with more returns come more risks. Most new investors want to maximize their investment returns with minimal risk. But that is hardly possible. Instead, in this post I will talk about how you can increase your returns but buy taking more calculated risk. I say calculated risk because you will not take blind risk, but instead use a proper method to improve your chances of increasing your returns.

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  • SEBI Modifies Multi-cap Fund Classification

    What happens when a regulator tries to over regulate? This happens.

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  • Real Estate Investment vs Equity Investment

    While you know my aversion to real estate investment in India, I don't discourage anyone from investing in it. If you don't mind the corruption related to property deals, you might make more than simply investing in equity and debt mutual funds. But before you decide which way to go, make some informed decisions. In this post I will try to simplify some calculations which can help you guide in the right direction. I will also mention some risks involved in each of those asset classes.

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  • Are Sovereign Gold Bonds a Good Investment Option?

    Sovereign gold bonds are open for subscription starting today (July 6, 2020) and will end on July 10, 2020. Should you invest in them? Sovereign gold bonds are issued by RBI and thus are one of the safest investments. If you like to invest in gold, but don't want to hold physical gold, this is a good option for you. The issue price is set at Rs. 4,852 per gram, but if you buy online, you get a discount of Rs. 50. You have to buy a minimum of 1 gram up to a maximum of 4 kgs. But is this a good investment? If you rather watch a video instead of reading then scroll to the bottom of the post.

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  • Not Saving For Kid Was a Lie

    I've said this several times before that I've not been saving anything for my kid. It is high time that I come out with the truth. I was lying. Well, sort of. Every year on my daughter's birthday, her grand parents from both sides gift her money. The money is not a small amount. It is large enough that they transfer the money to my account asking me to save up for her future. I guess they don't like my radical thoughts when it comes to saving for kid's future? Either way, they have been doing it since my daughter's first birthday in 2014.

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