In this edition of the reader audit, we meet Shrawan, a computer science engineer working in IT since Sep 2012. He explains how he adopted a goal-based investing approach and utilised the current bull run for pruning his mutual fund portfolio. I am grateful to readers for sharing intimate details about their financial lives for the…

In this edition of the reader audit, we meet a 39-year old unmarried male working in the private sector. He explains how he plans to achieve financial independence, quit his job and move to his native place. I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. This…

In the previous article, Anil explained how he achieved financial independence without mutual funds or stocks by building a 70X portfolio in fixed income ((where X is the annual expense that will persist in retirement). In this sequel, he discusses how he wishes to invest in the future, lessons he learnt about financial independence and…

Is it possible to achieve financial independence without investing in equity? Yes! In this edition of the reader audit (part one of two), Anil explains how he did it.  In March 2020, I received an interesting comment from a reader in response to The Financial Arrow of Time (an account of how I wasted money…

In this edition of the reader audit, we meet a 34-year-old with a family of six. He describes his mistakes over the last ten years and lessons learned from them in a candid essay.  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 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…