Posts tagged with "sip"


  • Apr 24, 2023

    Lumpsum vs SIP

    Is it better to do a lumpsum investment or do systematic investment? Like many things in life, the answer is – it depends. There is usually no one good answer. But taking some examples we can see which works better in what situation. Of course these are just my opinions and they may not apply to your situation. Also, there may be many other cases which I do not cover. Finally, remember that whether you do lumpsum or SIP, in the long run the difference in returns will usually be miniscule unless you time the lumpsums very badly. With that out of the way, lets get to some examples.

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  • Dec 5, 2020

    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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  • Mar 9, 2020

    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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  • Jul 31, 2019

    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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  • Jul 11, 2019

    How Much Should I Invest?

    While having a conversation with one of my friends, it occurred to me that the current calculators are not sufficient to figure out how much to invest per month while increasing the SIP every year to meet your retirement goal. Lets say, you have an age in mind at which point you want to retire. And you want to know how much you should invest every month of every year until you reach your goal. Throw in a twist, which is that you want to increase your investment every year by some fixed percent. There is no calculator on this blog that will tell you how much you should invest every month. Naturally I thought there should be one, and here is that calculator. Hope it helps you reach your goal. Here are some instructions on how to use it.

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