After a long gap, Iam writing to you from Arthabodhi’s desk. Hope you & your family are safe & healthy and Covid free.   Year 2020 had been turbulent from the aspects of physical and financial health.  All the theory I was mentioning about market volatility turned into reality.  All of us who had been investing into equity directly or via mutual funds since last three years have experienced this market volatility in our portfolios. Let us look at this Prediction made on March 25, 2020: Now Look at this Prediction from the same institution on November 16, 2020: I a ..read more

Wishing you a very happy & peaceful new year and a prosperous new decade to come.  May this journey brings you to your financial goals and financial independence.   Usually all of us, knowingly or unknowingly end up making new year resolutions.  This new year start by asking these questions. These questions help you to be in right direction towards your financial independence. 1. Am I saving at least 25% of annual income? 2. Do I have at least 15 months of expenses amount as emergency funds? 3. Am I paying off credit card payments completely on time? 4. Do I have sufficient health cover? 5 ..read more

  Most of us often make these resolutions to create a budget and stick to it but only to end up in more mess than before. What are the most common mistakes that we do in making budgets? Keeping the same budget every month. Typically when we start making the budgets, one of the common mistakes is made to stick to a fixed budget every month. As we all know some months are expensive than the others may be due to anniversaries, birthdays, travel, weddings, etc. Solution: Keep different budgets during festival months/birthday months/vacation months etc Not Tracking expenses. The beginnings are al ..read more

  Most of us often make these resolutions to create a budget and stick to it but only to end up in more mess than before. What are the most common mistakes that we do in making budgets? Keeping the same budget every month. Typically when we start making the budgets, one of the common mistakes is made to stick to a fixed budget every month. As we all know some months are expensive than the others may be due to anniversaries, birthdays, travel, weddings, etc. Solution: Keep different budgets during festival months/birthday months/vacation months etc Not Tracking expenses. The beginnings are al ..read more

Amazon / Flipkart sale had rocked the online shopping this festive season. While a lot had been debated over a few months on the impending slowdown in consumption these sales have attracted crores of consumers to buy stuff.  What is surprising is if there is no liquidity from where did the money come for this shopping?  Is it offers like Zero Rate of interest EMIs? Swipe now, pay later facility? If yes, I wonder how will anyone give a freebie in business? We might argue saying to promote a sale, they must be giving extra incentives and bulk consumption will average out their cost, etc.  Howev ..read more

In continuation with my July’s blog on trade wars and its impact, where I had mentioned that due to currency valuations, trade wars, oil import bans, interest rate changes etc the markets are volatile and may continue to stay like this for some time in near future.  We are now experiencing the same thing in equity and debt markets. In the last few weeks, you would have noticed the news about the stock market falling on an average 1-2% almost every week. If you see the below table from Apr’16 till date Sensex returns were pretty decent, while you check for last few months in isolation it is ..read more

Today I am writing about this eternal tale named “The Odyssey” and how few lessons can be learned from this tale while dealing with our investments. The Odyssey was written by Homer about 2700 years ago.  It tells of the adventures of the Greek hero Odysseus (Ulysses in Roman mythology) during his harrowing return to Ithaca after being away for twenty years, ten of which he had spent fighting the Trojan Wars. In one part of the journey, Odysseus is aware that he is about to encounter the sirens (monsters), famous for luring sailors to their death with their beguiling wind-like song.  Intensel ..read more

In the recent years 2018 & 2019, we have seen fatal air accidents involving Boeing 737 and as per the past records of the aviation industry, there were many accidents in the past so many years involving Boeing 737. The Boeing 737 series is the best-selling commercial jetliner in history, with the first unit having first entered airline service in February 1968 and the 10,000th unit entering service in March 2018.   The first accident involving a 737 was on July 19, 1970, when a 737-200 was damaged beyond repair during an aborted take-off, with no fatalities; the first fatal accident occu ..read more

Are you one of those aspiring to retire early and explore your hobbies or go on vacations? OR Are you one of those thinking that there is still a long way to go to retire??  If yes to any one of these questions, this article will be an eye-opener for you.  Take out next few minutes and hold your breath, go on to reading this article. Thanks to an improved standard of living, better quality food, and better health care, Life expectancy, in general, has increased considerably. We can see many senior citizens around us in the age group of 85-90. This means that many of these senior citizens woul ..read more