In this edition of the reader audit, we consider the financial journey of a 31-year-old software engineer (who prefers anonymity). This is how he moved from bank deposits to goal-based investing with mutual funds.  We feel proud and blessed that readers come forward to generously share details about their financial life to help and inspire…

In this edition of the reader audit, we consider the financial journey of a 34-year-old male (who prefers anonymity) working in the private sector. This is how he moved from negative net worth to goal-based investing.  We feel proud and blessed that readers come forward to generously share details about their financial life to help…

One of the best aspects of the freefincal reader community is their willingness to write about their experiences and portfolio details to help and inspire fellow DIY investors. In our 12th reader audit, we have an academic (name withheld on request) sharing his personal money management journey. Previous articles in this series are linked at…

Mr X is a US-based NRI. In this episode of reader-story, Mr X explains his current investment strategy with a bit of history and reasons to finalize this strategy. It might help a fellow investor in the same position. The investment choices were heavily influenced by the websites mentioned in the references section at the…

In this episode of reader-story, Mr G (anonymity on request) discusses his personal financial audit. Thanks to disciplined investing for more than a decade, he has seen his net worth double in the last financial year. It is inspiring to see such meticulous tracking of investments with a long term vision on the future corpus…

In this episode of reader-story, Ramkumar Subramanian shares his investment journey. How he invested without a plan, made a bunch of mistakes but still managed to de-clutter his portfolio and started investing in a goal-based manner.  As regular readers may be aware, we publish a personal financial audit each December – this is the 2020…

In this edition of reader story, Jyotinath Ganguly discusses his investment journey over the past thirty years from buying paper share certificates to authoring a book on money management basics for young earners. About the author:  Jyotinath Ganguly is an IT Consultant, mentor, author and visiting faculty teaching Strategy, Cloud, and ERP. He is interested in…

In this episode of ‘reader audit’, Nathiya shares how her approach to investing has evolved, guidance from Ashal Jauhari; why she sold all her shares and how her family could cope with job loss and reduced income still managed to keep their investments on track. As regular readers may be aware, we publish a personal…

In the fourth edition of personal finance audits by readers, Gowtham Subramanian discusses how he has started goal-based investing, focusing on asset allocation and how it has made him feel more in control over his finances. As regular readers may be aware, we publish a personal financial audit each December – this is the 2020…

As regular readers may be aware, we publish a personal financial audit each December. This time, we asked regular readers to share how they review their investments and track financial goals. Suhas kindly agreed to share his method. You can also follow his regular reviews in his blog linked below. About the author: Suhas Bharadwaj…

In this edition of reader story, let us peruse a message from Virendra (published with permission) about how he set his finances in order with the help if goal-based investing. In particular, how the result of a retirement calculator drove him into action. His journey is similar to mine – driven by the fear of making…

In this edition of reader story, Vignesh Srinivasan describes what he has learnt about money management over the last couple of years. How asking “What makes one a bad investor?” has helped him build a robust framework based on four pillars – Investments, Taxation, Administration & Protection.