Posts tagged with "investment"


  • 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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  • 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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  • 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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  • My Early Investment Journey

    While I am sitting comfortably today, writing about my journey to early retirement, the initial days of my investment years were not without their share of issues. Let me explain in a bit more detail. When I first started out, I had planned to do a SIP of a certain amount every month and planned on increasing it every year. The increase in SIP I planned at that time was to match up with the inflation rate. The thought process was that if I was just average at work then my salary increments will match up with the inflation for the previous year. At the time of planning my early retirement in 2011, the inflation stood at around 8%, and consequently my projections were to increase SIP by 8% every year.

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