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. On the other hand, are you are thinking, this seems to be the right time to invest, let me move all my money into equity … Continue reading “Sensex is Down 15% From the Peak”

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”

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 … Continue reading “How Much Should I Invest?”