Posts tagged with "market" - page 2
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Improving Returns On Investment
A few days ago I wrote a post on how to start on a simple investment plan. The reason I wrote that post is to help you get started because it is easier to start on a simple plan. The more complex a plan, the more we procrastinate. But what if you have already started on your investment journey and want to improve the returns? Continuing from where we left off with the simple investment plan, here are some things you can do to improve returns.
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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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Sensex Touches New High!
Ok, I confess I am late to the party. But it seems like the Indian stock market is enjoying new highs every other day. Is this sustainable? Who know? Does anyone know why the stock market is touching new highs even as the economy has not recovered and many things are still unknown? No one knows. But that does not stop one from making wild guesses. The most common and obvious theory is that the market is buoyant on the news that a vaccine may soon come. I don't know why that should be a good reason to hit new highs.
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Sensex and Nifty Up More Than 35%
I wrote a post less than three months ago that Sensex and Nifty have fallen more than 30%. It is only fair that I should write a post when the indices have gone up. This time, they have gone up by more than 35%! The unfortunate thing is that I have no idea why. But hopefully your investments are up and probably in the green zone. Of course neither indices (thankfully) have not reached their historic highs.
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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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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 Am I Handling the Market
Given the current market situation, a few of my friends wanted to know how my portfolio is doing and what have I been doing during the crisis. So this post should hopefully answer these questions. I want to preface by saying that don't be fooled by randomness. I may have performed better or worse than you expect and it does not mean I made any smart moves nor that I made mistakes. Only note that luck favors the prepared.
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Sensex is Down 15% From the Peak
Sensex highest closing ever was 41,952. Today it closed at 35,634. That is more than 15% drop from the peak. Is it time to worry? Is there going to be a recession soon. Should we sell all our stock and buy lots of non-perishables, for the world is going to end? Nah, nothing like that really. Silly you, it is just a mere 15% drop from the peak. Keep your pants on and don't panic.
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Where is the Stock Market Heading?
While I don't predict where the markets are headed, I sure do enjoy the news and commentary which do. Some headlines attract my attention when I am reading the daily news. I email myself those interesting articles which predict Sensex or Nifty to touch a certain level by a certain date. Then I snooze the email until that predicted data. If you didn't already know, gmail has this nifty (no pun intended) little feature which allows an email to be dismissed from your Inbox only to magically reappear on a certain date. I use it quite a lot. So in the past few days I have been receiving these emails from the past. Did their predictions pan out? If so, should we have acted on those predictions back when they were predicted? Lets find out.
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