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Disclaimer

I am not a financial, legal or tax expert and not providing financial advice. My thoughts should not be the sole basis of your investment strategy, and should, at best, serve as a catalyst to your financial research. I am not liable if you follow the steps I describe and incur a loss on your portfolio.

I am a software engineer sharing my learnings, opinions and my thoughts which may or may not work for you. Each person's financial world is unique, and you should consult a financial expert such as a CFA to design your investment strategy and assess your unique requirements. I may talk about the returns achieved due to some investment strategy or portfolio, but that is something which I experienced at a particular slice of time. Your returns could be very different from what I experienced. The stock market, and hence mutual funds, index funds etc. are all volatile, where past performance is not an indication of future performance.

The information found on this blog is not a substitute for professional advice and I cannot guarantee the accuracy, reliability or completeness of the information presented.

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Top two simple ways to begin investing

I am no investment guru but do know that I need to save money for the future. Yet, saving itself is not enough because thanks to inflation , money kept in your bank account is losing its value fast! We need to invest to help make our money work as hard as we do. What's more, most major banks in the US do not give any tangible interest on savings/checking account. If you are in the USA, either as a citizen, permanent resident, green card or even on a visa such as H1B or L1 then you should invest without a doubt. You may choose not to invest in the USA if you plan to leave the US after a year or two for good, in which case I would assume you are investing in your primary/target home country. The question is where to invest today in the US. Time is money, literally and hence you need to act fast and make your hard earned money last longer. As I mentioned above, saving is not enough as money in your checking/savings account is actually getting depleted. You need to invest, by starti...
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The smart (and free!) way to track your Net Worth

With the current amount of monthly savings, when will you hit the $1 million savings? Are you saving enough for your kid's college education? Will $100,000 be enough when you retire? Will $2.5 million be enough when you retire?  How will your upcoming house mortgage payments affect your retirement savings? All these and related questions, boil down to one simple question. How do you find if you are saving(and investing - remember that saving is not the same as investing) enough right now? There are multiple ways and even more tools and best practices to calculate and find if you are roughly on track towards a good saving and investing regime. It is futile to aim for accurate numbers or to assess if you will have saved $2.4 million by the age 63. What is more important, is to assess if you are roughly on track. With the innumerable variables in life, it is next to impossible to predict accurate numbers and financial milestones. Yet, educated best practices and tool...
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Are you guilty yet?

My friend recently told me the superb 30% returns he got from stocks last week. My other colleague was discussing how the future college costs would be around $350,000 for a 4 years course. I read somewhere the rising cost of healthcare or even of raising a child! On a lazy weekend, when I sit sipping my morning coffee and recalling these conversations, I sometimes feel a shiver run down my spine. I feel guilty.  I feel guilty that I might not be on the right track to confidently say if I am saving and investing enough. A lot of what-if questions arise. I feel guilty, that though with gods grace I am working in a full-time job with a pay check coming at the end of every month, perhaps the saving is not invested in the most efficient manner. Every now and then I do read personal finance blogs, articles, investment blogs, view what others have to say on video channels, but then I feel guilty that I did not act to do something tangible with any little money which I m...
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