Smart ways to invest and attain early financial freedom

Let me start by wishing all my readers a very happy, prosperous and fun filled year ahead. This business of forecasting next year has become a big industry now. Many people (including me) write about it in December end. But deep down, I have my doubts. Will things really change between Dec 31st and Jan 1st? I do not think so. Just because the earth rotates around the sun once in 365 days, we tend to think in chunks of 365 days – for example ROI is an annual number (a 20% ROI means 20% per annum), our salary is an annual number,

My readers would know that I had in Q1 2015, bought a one-acre fam land in a community called Blooms Ecovillage. Here the farming work is out sourced to the developer of the community, who happens to be my friend Johny. For the past few months, I have been enjoying and sharing the fruits of nature without actually putting in too much hard work. This community now has appx. 30 likeminded people and a few more will join – there is a shortage of land already as the local farmers have raised the prices in the area and are not willing to sell. Here are some photos of the place:   This is me plucking tomatoes grown in my farm (this we distributed to all the friends we knew and still had more - ran out of friends to give it to :-))

  In my search of good investing ideas, here is a special deal from one of my friends in Wayanad - a resort owner named Raghu. I am happy to share it with you. The scheme is as follows: 1. Raghu is building a resort with appx 30 rooms, a few villas and club house in a river facing property just 700 meters from a town called Panamaram in Wayanad. I have seen the location and I think it is a good one for a resort – but recommend that you also see it for yourself. 2.  Raghu will own 25% of the property himself – which means he has his own skin in the game. 3. You can choose to invest either Rs. 10L or 13
Friends – I do not have an answer to the question above. After all we all have lost money today. But I know that you must be wondering on the future course of action – hence I am sharing my thoughts The market is in the grip of bears now – I expect more down movements in the next few days. If you look at the reason for this, it all points to China – their economy is slowing down and their stock market was going up till one month back - their government trying to stem the stock market fall – they are devaluing their currency – the oil and commodity crash is also due to slowing Chinese demand. These cannot be reversed. And so there will be a china induced shock in the global markets. The countries that are commodity exporters like Australia, Brazil, South Africa will all get impacted due to lower exports to china. Those countries that are competing with china in exports like Japan, Malaysia, Korea, Taiwan all wil

My year end predictions, in Dec 2014, ended with the statement – “Aim at an overall return of 20% plus for your portfolio. It is easy to get this in 2015”. As you can see -I was off the mark. 20% returns this year is not as easy as it seemed six months back. The last six months has been a period of stalemate. BSE Sensex was 27500 on Jan 1st – it is hovering about 3.5% higher at 28460 as of 18th July. Gold hasn’t done any better – it was Rs. 2670 per gram on Jan 1st and today it is Rs. 2548 per gram. Real estate has also been hanging over the past 6 months – even though there is no accurate data available, there is a general sense there are very few buyers in real estate right now and the market is moving towards budget housing. Debt markets have done no better – for example HDFC Gilt fund LTP (this invests in long term government bonds) has given a paltry 0.6% over the past six months. I have had quite