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 … Continue reading “My Early Investment Journey”

One Year Into Retirement

It is now exactly one year since I retired on June 29, 2018. Incidentally, this also happens to be my 50th post on this blog! It was a fun journey so far. While I cannot say if this will continue into the future, there are some exciting times ahead. Everything is going almost exactly the way I planned. Still, since I haven’t yet gone through a bad market cycle, I don’t yet know if my financial planning will stand the test of time. One thing I realized is that no matter how much free time you create, it will get … Continue reading “One Year Into Retirement”

My Monthly Expenses Explained

In one of my previous posts, I briefly mentioned that I planned my monthly expenses to be around Rs. 50,000 per month. In this post, I want to explain a bit more on how I arrived at those numbers. May be it will help you figure out your own expenses in your retirement. Before nearing retirement I never kept a meticulous record of my expenses, but I was keeping track of where they are going in general. But come 2017 (a year before my retirement), I finally decided to sit and write down what I thought my expenses ought to … Continue reading “My Monthly Expenses Explained”

Math Behind Financial Planning (FV, PV and Annuity)

Saving early is one of the first steps you need to take when you are planning early retirement. I talked about it briefly in my earlier post, but wanted to elaborate a little bit and may be show a few formulas along the way to help you better understand how starting early and compounding make such a huge difference. This post will help you do your own financial planning if you are so inclined. I did not use a financial planner and always preferred to do it myself. So if you are like me, you might enjoy it.   Let’s … Continue reading “Math Behind Financial Planning (FV, PV and Annuity)”