Smart ways to invest and attain early financial freedom

I hope you had a great 2017 and I wish you all a very succesful year ahead. Here is what I think is in store for us in India in 2018: Stock market – I believe that we will be in good times in 2018 - I expect a 12-13% growth in Indices in 2018. The reasoning is given below: India is going through a structural change where development /reform is becoming more and more need of the hour. The average Indian is now aspiring for a better life. He/she is aware of the inefficiencies of bad governance and he/she is willing to vote for a politician who will lead him/her to a better life. No government is reformist at heart  

Before I share my views, here is my recent stock ROI Quite a few readers are having these questions in their mind - so I thought to share it as an FAQ Will the markets go up from here or will it go down? In the near term – I am not sure of where the markets will go. But if you take the next 3-5 years – I believe that the markets will go up. Indians are now exposed to internet and TV and are aspiring for more and demanding a better life. The politicians understand this and know that they need to perform to keep their jobs. The govt is pushing difficult reforms and a developement agenda just to stay in power. This is a fundamental change and will shape the pol

Every now and then I meet people who tell me with a sense of pride that “I have never taken any loans and never will.” And on the other side of the spectrum, there are people in IT industry who have taken such large loans (for buying a premium apartment) that the EMI load is creating tensions in home, now that most IT companies are slowly downsizing. So here are my thoughts on taking loans. Loan by itself is not a good or bad loan. It becomes a good or bad loan based on: 1. Your ability to pay the EMI’s after taking the loans. A good loan is one where you can repay it without too much of liquidity issues. Your repayment capacity defines whether a loan is a good or

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Here is an IPO that represents a solid company – I am a customer of DMart and I love the prices that it offers (and hate the crowds at times – but then we go on weekdays daytime). In my MBA classes – I take the example of DMart in my strategy classes to show how one can be smart and make money in an industry that has very low profitability. Then there is the founder – Mr Ramesh Damani – he has built such a solid reputation of a nice soft spoken savvy/value investor that it is hard not to like him and respect him and be a partner to him in this company. And this IPO is surely a block buster IPO in the sense that it would be over-subscribed many-many times –after all which analyst will say things against M

My readers would know that I had sold off all my stocks in Feb 2016 and entered gold through the ETF route – this was done as I feared a market crash due to China. My forecast was wrong (thankfully) and things improved from March onwards globally and there was a semblance of stability and small growth since then. Big investors like Soros and Druckenmiller had also moved to gold and predicted a China induced crash at that time. In the past 9 months- I have been sitting and seeing markets go up and select stocks zoom up and the stocks that I know well and had invested (and sold) had all zoomed up and were not in a price range to re-enter. My investments in gold in the meantime did OK - thanks to Brexit and the general volatility, I did appx 10% in the past 10 months. But I have been waiting in the side-lines to enter my favourite stocks for the past two months. The Trump win has given the opportunity that I have been waiting for. Thanks to Trump, global money i