The first step in your financial journey is always to pay off short term debt and then to save an emergency fund. Only then can you start investing. Usually, my advice here would be to stick to well-diversified local and international Exchange Traded Funds (ETFs). Recently, however, the government retail bonds have started looking extremely …
During the lockdown, most of us have a bit of extra time on our hands. Even if all time you save is the time you would have spent on the road. You can either spend it getting rid of that wine collection you have built up over the last few years, improving your Counter Strike …
Let me be your guide to the wonderful world of Exchange-Traded Funds (ETFs). I have a massive backlog of mails since I took a break over the December holidays. While I was answering the mails, I noticed that my answer to 80% of the questions is simply Exchange-Traded Funds. Since there are a shit ton …
I recently read an article which stated that the best indicator for future performance is the Price to Earnings (PE) ratio of a market. I tried finding it again but to no avail. However, the gist of it is that when the PE ratio is low, the return on investment in the near future is …
The 4% rule Retiring is easy, all you have to do is save 300 times your monthly expenses. This is until you do the math and see that this isn’t walking around money. The 300-times-your-monthly-salary rule and the 4% rule is one and the same thing. Whip out those calculators if you must. The 4% …