Dear Readers, Lately, I have slowed down in sharing my thoughts with you though my heart yearns to write more. Life has been busier on the personal front, but I cannot use that as an excuse to lose our connection. A small disclaimer: this post is not about Personal Finance. This Diwali feels bittersweet for …
It has been a while since I wrote. The year is coming to an end and we are anxiously waiting for the start of a New Year. It is time to reflect on our financial freedom journey. What are we trying to achieve? The concept of financial freedom holds different meanings for different individuals: Some …
Introduction In today’s financial landscape, the concept of FIRE (Financial Independence, Retired Early) has captured the imagination of many, promising freedom and happiness through early retirement. While the allure of FIRE is undeniable, it’s crucial to delve into the nuanced approaches to achieve it. This blog explores the spectrum of attitudes towards FIRE, highlights potential …
The majority of the gifts which we commonly give fulfill our customary needs, such as participating in marriage, housewarming ceremonies, and celebrating the birthdays of family and friends. While these gifts are important, the act of giving here may not provide eternal joy. I often think about giving gifts that can give us long lasting …
Recently, a gentleman reached out to me through WhatsApp and asked me whether Option Master or Marketadora was a part of my Advisory Organization. I could not comprehend his message as it was coming from an unknown contact and asked him to share the context. He shared with me his WhatsApp interaction with another person …
A note of caution: This article has nothing to do with personal finance. You may still find it worth a read. Let me share snippets of a few real life scenarios. A few goons were assaulting one of your relatives because of a property dispute. Since the goons were in large numbers, you did not …
We are coming out of a decade when the US Equity market did exceptionally well. The average return of the S&P 500 over the last decade was ~10% against the 10-year breakeven inflation rate of 2.29%. The near-zero interest rate through the decade made sure that the bond stayed an unattractive investment option. There was …
I remember my days as part of an undergraduate program in computer science in the late ’80s / early 90’ at Baroda. In those days, this branch itself was new and I had no visibility into the kind of career I could hope for. There were no jobs through campus. Since my father was working …
Today is the 15th of August and we Indians are celebrating the 76th year of our country’s independence. While that is a significant milestone in our democracy, financial independence for all is still a distant dream. While job and income security for all is a work in progress, for larger masses, the proper deployment of existing …
Financial Freedom for Indians on 76th Independence day Read More »
The young investors who started investing in the last 5-10 years are perplexed today. The value of their investment in the company RSUs (/ ESOPs) has dwindled, IPO investment is below the offer price and the investment in cryptocurrencies has taken a huge markdown. Inflation is at an all-time high. The Central banks are increasing …