Cash Flow In Retirement

I realized that I don’t have a post on how I fund my expenses after retirement. So here is something to help you understand my cash flow. Most of the numbers shared here depend on my monthly expenses. So please keep the Rs. 50,000 per month expenses in your head while reading the post. Cash Here I am talking about hard cash, not credit cards, money in current account etc. I keep around one month’s worth of cash in the house at all times. Although we rarely use cash anymore (thanks to UPI), there are occasions when we need cash, … Continue reading “Cash Flow In Retirement”

Mid Year Portfolio Review

I don’t normally do mid year portfolio review but this time I made a exception. There were a couple of reasons for this. First I made a mistake in the way I calculated my XIRR because of which my return numbers were skewed. Second, the markets have gone crazy and I thought I should share my portfolio when the going is good :). Portfolio returns You know why I don’t have a 70:30 mix of equity and debt although I always recommend it. While the 2020 crash gave me a small opportunity to invest in equity, it was not enough … Continue reading “Mid Year Portfolio Review”

How to Choose a Debt Mutual Fund

Hopefully you have read my post on how to choose a mutual fund. This post is kind of an extension to it. I will specifically explain what things you need to look for when picking a debt mutual fund as opposed to the general advice given in the other post. While I don’t consider myself an expert, I will give you some tips based on my experience. But first, the usual disclaimer: Disclaimer: Information provided in this blog is to help educate you. Any mutual fund, company or stocks mentioned within the post are used only as examples, and should not … Continue reading “How to Choose a Debt Mutual Fund”

How to Choose a Mutual Fund

We’ve all heard it — don’t choose a mutual fund just based on past performance or star rating. Then, how does one go about choosing a good fund? That is the question I want to answer today. While I am not expert at picking a good mutual fund, I did have my share of bad pickings and hence have had some wisdom knocked into me. So here are some tips on how to choose a good mutual fund based on my experience.    Disclaimer: Information provided in this blog is to help educate you. I am not suggesting that is … Continue reading “How to Choose a Mutual Fund”