Stocks with low volatility and momentum for Dec 2023
A list of stocks with low volatility and momentum sourced from BSE 500 and BSE 100 each month.
Continue reading →How can the salaried class build wealth across generations
This article discusses how the salaried can build wealth across generations. I am passionate about this topic because I have witnessed wealth diminish within my family from generation to generation. I am determined to do everything I can to prevent this from happening in the future. My great-grandfather lived an upper-middle-class lifestyle during the 1940s…
Continue reading →How should I invest if my only goal is to create wealth?
A reader writes,” I am 28 years of age and single and plan to remain so. I have no financial goals and only wish to create wealth. I have an aggressive risk appetite. How should I invest? Can you write an article about this?” Is it possible for a person to have no financial goals?…
Continue reading →Why our net worth is the best insurance there is
The titular line – Why our net worth is the best insurance there is – hit me as I made notes for the health insurance episodes of the Let’s Get Rich with Pattu podcast. Yes, we all know the basics – get adequate life insurance, health insurance, and emergency insurance (fund) before you start investing….
Continue reading →Should I invest in stocks along with equity mutual funds?
A reader says, “I have invested in equity mutual funds for the last two years. Should I also invest in stocks?” This is a question that only the investor can answer, but we can provide some guidelines. Why do you want to invest in stocks? Is it because you heard multibagger stories on social media…
Continue reading →Never Too Late to start: How I became financially savvy at 40
We recently asked Facebook Group Asan Ideas for Wealth members to share their investment journey for our reader story section. Many members were kind enough to send their stories – some already published and some in the pipeline. We received an interesting comment in response and requested the author – Shyamli, to send us an…
Continue reading →How to Defeat Analysis Paralysis in Investment Decisions
We discuss how investors can overcome analysis paralysis and confidently make investment decisions. Analysis paralysis is a frequently encountered issue in managing personal finances, impacting individuals in distinct ways. As an illustration, I can swiftly select a mutual fund and invest a substantial amount within 10 minutes. However, when choosing a health insurance policy, I…
Continue reading →How to handle retirement assets in old age?
A reader says, “I am quite confident and optimistic about reaching my target retirement corpus. My biggest fear is managing retirement assets in old age (esp. post 70-75 years). At some point, even we’d need someone’s help to change our adult diaper – how do we keep our corpus last another decade or two? Do…
Continue reading →What is the true cost of buying a house?
For most of us, buying a house – defined here as a primary residence meant for immediate self-occupation – is an emotional decision. There is nothing wrong with that. However, there is no free lunch. To get something, we have to lose something. What is the true cost of buying a house? How many of…
Continue reading →Saving, Investing, and Running Marathons: My 25-year Journey to Financial Independence
In this edition of the reader story we meet a geophysicist who shares his 25-year journey to financial independence that started with recurring deposits. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of the previous editions are linked at the bottom of…
Continue reading →My Stock Portfolio Analysis: Nov 2023
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of…
Continue reading →Using emotional logic to stay invested in equity mutual funds
A global recession is on our doorstep at the time of writing. There are doomsday predictions everywhere. Equity mutual fund investors are worried about the lack of returns over the last several months. We discuss using “emotional logic” to fight fear and stay invested in equity mutual funds. Emotional logic It is only an idea,…
Continue reading →I combined investment and insurance and paid the price
In this edition of the reader story, we have an account of a reader making the classic mistake of combining investment and insurance, the price he had to pay. The reader wishes anonymity. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of…
Continue reading →Debt and hybrid mutual fund screener (Nov 2023) for selection, tracking, learning
This is a debt mutual fund screener for fund selection, fund portfolio tracking and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile…
Continue reading →Can I invest in Balanced Hybrid Funds?
A balanced hybrid fund is an open-ended fund that invests in equity (40-60%) and debt (40-60%) instruments. No Arbitrage would be permitted in this scheme. A reader wants to know if we can invest in balanced hybrid funds and, if yes, when. If you are wondering why you have not heard of this type of…
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