Auld Lang Syne – 2014 the year that was..

The year 2014, like every year before that and quite possibly every year after that, was an year of ups and downs.  Thatnkfully I did not have to think hard to recognize that the ups out-numbered the downs.  So the portfolio at the end of the day is greeen.  Here is a brief summary of 2014 wrt freefincal.

1)  The most fulfilling event for me was the chance to interact with readers, Facebook friends and members of facebook group Asan Ideas for Wealth via the investor meets. The first was held at Chennai on Nov. 1st. It would not have been possible but for the efforts of Srinivasan Sundararaman of  MoneyKare, Wealth ManagersI was astonished and honored by Srini's kindness and generosity. When I speak with him, I feel like I know him all my life but I had actually met him for the first time only after he agreed to organize the meet.  You can see the photos from the meet here and videos here  (forenoon session) and here (afternoon session)

On Dec. 14th the Bangalore meet was held. Seats were sold out for the meet in 4 days and we have more than 110 people pre-registered for the next meet. I have full semester coming up with the Mumbai meet on 1st Feb. and most likely the Delhi meet on 15th March. So we plan to hold the second meet in April when the semester is nearly over.

Who is 'we'? This is who: The Bangalore workshop organizing committee.

Bangalore-investor-meet
From left to right: Mohit Pandey. Vignesh Bhaskar. Mohammed Aaqil, yours truly, Krishna Kishore, Prashant Kulkarni and Muthu Krishnan

Muthu Krishnan (Patience and discipline)  and Krishna (how to start direct equity investments) spoke at the meet along with me.  I was delighted to chat with some of the participants during the breaks. I also met Kirti Desai who runs  bemoneyaware.com

Here is hoping I am fit enough to complete the two scheduled workshops and plan for a couple of more depending on my health later in the year.

2) I was able to post with reasonable regularity. Here is a selection of posts (about 1/3 rd) of what was published this year.

posting-pattern
Courtesy: Jetpack plugin

Here is a selection of posts (about 1/3 rd) of what was published this year.  You can also check out the updated complete archive

  1. Imbibe, Implement, Ignore:Suggested New Year Resolutions for InvestorsJanuary 2, 2014
  2. How to select mutual fund categories suitable for your financial goals?January 5, 2014
  3. Excel inflation-indexed annuity calculators to plan your retirementJanuary 9, 2014
  4. Generating an inflation-protected income with a lump sumJanuary 12, 2014
  5. Sensex Total Returns Index as a Mutual Fund BenchmarkJanuary 16, 2014
  6. Inflation-protected Income SimulatorJanuary 19, 2014
  7. Laddering Term Life Insurance Policies -Calculate and CustomizeJanuary 23, 2014
  8. Dynamic Asset Allocation Mutual Funds: Yield Gap vs. P/E RatioJanuary 28, 2014
  9. Cashless Mediclaim: A Second Person NarrativeFebruary 13, 2014
  10. The trouble with rent vs. buy calculatorsFebruary 18, 2014
  11. Mutual Fund Analysis: Reliance Growth FundFebruary 24, 2014
  12. Mutual Fund Capital Gains CalculatorFebruary 27, 2014
  13. The perils of unexpected recurring expensesMarch 4, 2014
  14. What is Compounded Annual Growth Rate (CAGR)? Part I: Lump Sum InvestingMarch 6, 2014
  15. Should I invest for my child’s marriage?March 8, 2014
  16. India VIX: The Stock Market Volatility IndexMarch 10, 2014
  17. The cost of a chronic illnessMarch 13, 2014
  18. National Pension Scheme (NPS): Returns generated by Pension Fund ManagersMarch 15, 2014
  19. What You Need To Know Before Hiring a Financial AdvisorMarch 16, 2014
  20. Review Your Retirement Portfolio in Seven Easy Steps March 25, 2014
  21. What you need to know before hiring a Mutual Fund Distributor?March 27, 2014
  22. S&P BSE Indices Historical Data DownloaderMarch 29, 2014
  23. What is your best money saving tip? March 30, 2014Mutual Fund Investing: Risk vs. Reward vs. VolatilityJuly 22, 2014
  24. Young Earners: Do not invest Rs. 1.5 Lakh in PPF!July 19, 2014
  25. How Do Arbitrage Mutual Funds Work?July 17, 2014
  26. Personal Finance Essentials For Young EarnersJuly 15, 2014
  27. Mutual Fund Returns: Distant Past vs. Recent PastJuly 14, 2014
  28. The key to successful mutual fund investing July 7, 2014
  29. Relevance of the Nifty PE for the long-term investorJuly 1, 2014
  30. Portfolio Diversification: Correlation among Stock SectorsJune 28, 2014
  31. Portfolio Diversification with International StocksJune 26, 2014
  32. Quantifying Portfolio Diversification – Part IJune 23, 2014
  33. Understanding Risk-Adjusted Return: PPFAS Long Term Value FundJune 17, 2014
  34. O Captain! My Captain!June 15, 2014
  35. Mutual Fund Analysis With the Ulcer Index June 12, 2014
  36. Calculating Returns from a Mutual Fund SIPJune 10, 2014
  37. Mutual Fund Analysis: Quantum Equity Fund of FundJune 8, 2014
  38. Simplify Mutual Fund Analysis with Upside/Downside Capture RatiosJune 4, 2014
  39. Prepay Home Loan or Invest?June 2, 2014
  40. Mutual Fund Risk and Return AnalyzerMay 30, 2014
  41. Simple Steps to De-risk Your Investment PortfolioMay 28, 2014
  42. The Young Earners Tax-planning Cheat SheetMay 26, 2014
  43. Gold is riskier than Stocks!May 24, 2014
  44. How important is mutual fund selection?May 22, 2014
  45. Inflation in India: Some Real NumbersMay 20, 2014
  46. Growth vs. Dividend Reinvestment Mutual Funds: Which Should I choose?May 14, 2014
  47. Interview with Dr. Uma ShashikantMay 12, 2014
  48. Multi-index Mutual Fund Rolling Returns CalculatorMay 9, 2014
  49. Mutual Fund Size vs. Performance: A Case StudyMay 5, 2014
  50. How many mutual funds should I hold?May 3, 2014
  51. Mutual Fund Portfolio Comparison ToolMay 1, 2014
  52. Building a Diversified Equity Portfolio with Sector Mutual FundsApril 28, 2014
  53. Is it possible to retire early in India?April 25, 2014
  54. Are Mutual Fund SIPs Suitable for Disciplined Long-Term Investors?April 23, 2014
  55. National Pension Scheme (NPS): Do not invest unless you get tax benefits!April 21, 2014
  56. Four Simple Retirement Planning ToolsApril 19, 2014
  57. How to Select Debt Mutual Funds Suitable For Your Financial Goals?April 17, 2014
  58. What does it take to do your own financial planning?April 15, 2014
  59. Things to do AFTER you take a term insurance policy!April 6, 2014
  60. Multi-Index Mutual Fund SIP/Lump Sum Returns AnalyzerApril 4, 2014
  61. Mutual Fund Analysis: Quantum Long Term EquityApril 1, 2014

3)  This year my wife took up photography. You can check out some of her photos here: yourshot.national.geographic.com

4) Freefincal has grown at a steady pace this year. I would like to thank all readers, friends and well-wishers who have kept me going. I have become quite irregular in answering emails and comments this year. Will do better from today.

Finally, let us welcome the new year with my fav. line from the movie Tombstone. It is a 3 second clip!


Courtesy: http://movie-sounds.org/westerns/tombstone-1993/just-stay-calm-use-your-head-itll-be-all-right

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35 thoughts on “Auld Lang Syne – 2014 the year that was..

  1. Nishanth Muralidhar

    Pattu sir...Tombstone is one of my fav movies as well..Do check out Wyatt Earp as well if you are interested in the genre:)

    Reply
  2. Nishanth Muralidhar

    Pattu sir...Tombstone is one of my fav movies as well..Do check out Wyatt Earp as well if you are interested in the genre:)

    Reply
  3. Nishanth Muralidhar

    Pattu sir...Tombstone is one of my fav movies as well..Do check out Wyatt Earp as well if you are interested in the genre:)

    Reply
  4. Mohammed AaQil

    Thank you Pattu sir for sharing all your knowledge and wisdom. For your numerous and carefully crafted calculators that give us (the readers) a powerful tool to help take charge of personal finance. Your untiring efforts to make us understand 'inflation and what it can do to our savings', 'standard deviation and its impact' and 'power of compounding'. These three will always be on my mind every time I take any decision regarding my finance. Meeting you in person was indeed the best thing. Stay healthy, stay wealthy... Looking forward to a great 2015. A bigger and a better year.

    Reply
  5. Mohammed AaQil

    Thank you Pattu sir for sharing all your knowledge and wisdom. For your numerous and carefully crafted calculators that give us (the readers) a powerful tool to help take charge of personal finance. Your untiring efforts to make us understand 'inflation and what it can do to our savings', 'standard deviation and its impact' and 'power of compounding'. These three will always be on my mind every time I take any decision regarding my finance. Meeting you in person was indeed the best thing. Stay healthy, stay wealthy... Looking forward to a great 2015. A bigger and a better year.

    Reply
  6. Jayanth

    Am a new reader to this blog .. go directed from Subramoney .. Cannot tell how impressed and inspired I am by your blog entries.. Thanks again and looking forward to a better 2015 ..

    Reply
  7. Jayanth

    Am a new reader to this blog .. go directed from Subramoney .. Cannot tell how impressed and inspired I am by your blog entries.. Thanks again and looking forward to a better 2015 ..

    Reply
  8. Sriram

    Hello Pattu Sir,

    Just wanted to echo the above sentiments; I have been a casual follower of your blog for a few months; I also attended the Bangalore workshop (I am not a member of ASAN :)).

    For the past few days however, I have been obsessed with preparing a financial plan for 2015 (one of my important takeaways from the workshop) and I tend to find out answers for all my questions in a calculator with a blog explaining what I exactly require. Totally love your brutally honest delivery - something that is required for this IT generation to drive home fundamentals.

    Thank you and wish you a very happy and prosperous new year!

    Reply
  9. Sriram

    Hello Pattu Sir,

    Just wanted to echo the above sentiments; I have been a casual follower of your blog for a few months; I also attended the Bangalore workshop (I am not a member of ASAN :)).

    For the past few days however, I have been obsessed with preparing a financial plan for 2015 (one of my important takeaways from the workshop) and I tend to find out answers for all my questions in a calculator with a blog explaining what I exactly require. Totally love your brutally honest delivery - something that is required for this IT generation to drive home fundamentals.

    Thank you and wish you a very happy and prosperous new year!

    Reply
  10. Sundararajan

    I started using your blog this year and one word,wow, it is simply great. Tons of information but told in a very simple way. On top of it, always prompt on replying questions. I followed your guidelines on picking mutual funds and invested on couple. I am looking forward to market correction in 2015 (yes it is against your policy of timing market), to invest more. Only reason is, market went up so high (north of 50%) so expecting some correction. Crossing fingers.
    Wish you a happy new year !!

    Reply
  11. Sundararajan

    I started using your blog this year and one word,wow, it is simply great. Tons of information but told in a very simple way. On top of it, always prompt on replying questions. I followed your guidelines on picking mutual funds and invested on couple. I am looking forward to market correction in 2015 (yes it is against your policy of timing market), to invest more. Only reason is, market went up so high (north of 50%) so expecting some correction. Crossing fingers.
    Wish you a happy new year !!

    Reply
  12. Meena Shivram

    I started reading your blogs and using your calculators for the last 2 months. I am totally hooked onto the calculators and believe me, I feel so much in control of my financial life.. I really wish to thank you at the bottom of my heart and wish you a very Happy, Healthy & Prosperous New Year and let 2015 brings more readers of your blog to become sensible and empowered investors...

    Reply
  13. Meena Shivram

    I started reading your blogs and using your calculators for the last 2 months. I am totally hooked onto the calculators and believe me, I feel so much in control of my financial life.. I really wish to thank you at the bottom of my heart and wish you a very Happy, Healthy & Prosperous New Year and let 2015 brings more readers of your blog to become sensible and empowered investors...

    Reply
  14. Rakesh

    Dear Pattu,

    You do a great service to the investor community both beginners as well as experienced investors.

    Wishing you and your family a great, healthy and fun filled 2015.

    Auld Lang Syne

    Regards
    Rakesh

    Reply
  15. Rakesh

    Dear Pattu,

    You do a great service to the investor community both beginners as well as experienced investors.

    Wishing you and your family a great, healthy and fun filled 2015.

    Auld Lang Syne

    Regards
    Rakesh

    Reply

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