Key takeaways This strategy is arguably one of the best kept investing secrets in my view What you do during market downturns determines the bulk of your net worth Many investors tend to stop their SIPs or worse, start selling…
Key takeaways Comparing the returns of your Fund’s SIP vs an SIP in it’s corresponding Index is the most basic measure of performance It’s critical that a fund beat it’s benchmark because most funds charge between 1% to 2% for…
Key takeaways This article focuses on the current US market, however, by getting relevant valuation data, a similar approach could be used for any market like India or asset class While the current CAPE ratio of the S&P500 (approx.40)…
Key takeaways Most of us (including myself) tend to pick mutual funds based on star ratings & past returns. But that is a mistake as per Bogle. Before you get to selection of mutual funds, make sure you have…
Key takeaways It’s natural to feel tempted to buy an asset class when prices are shooting up But buying Gold or any asset because prices have recently shot up is not very wise because of the principle of “reversion to…
Key takeaways I’ve tried to analyse mutual funds using a combination of a range of parameters & data over 20 years. Each time I picked a fund, it would under perform after a few years and I would do…
Key takeaways: Everyone knows we should buy when prices fall but not many know HOW MUCH more to buy when markets do fall because markets could keep falling for an indefinite period in the future This article presents Dr.…
Key takeaways Given how big one’s portfolio typically becomes, there is a lot riding on market returns during the last 10 years of a typical 40 year investing time horizon As a simple example, for a person who reaches…
Key takeaways Conventional wisdom states that one should decrease equity exposure as one nears and gets into retirement Bill Bengen’s research on the 4% rule suggested it was better to hold one’s equity allocation steady at the level at…
Key takeaways For a 4% SWR & 50% equity allocation no one had less than about 35 years before his retirement money was used up. For a 3% to 3.5% withdrawal rate even a 50:50 equity debt portfolio always lasted…