Smart ways to invest and attain early financial freedom

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

Being the son of an army officer and having grown up in spacious british bangalows in cantonments in the 70’s and 80’s, I have always dreamt of having a weekend house with large gardens, away from the hustle and bustle of city, where I could live with nature and do some weekend farming. Initially, I had thought about owning my own farm house – but then it needed at least a five acre plot and I would have to develop all the infrastructure myself. That was a lot of commitment of time and effort and money and my busy lifestyle did not allow that. I soon started looking for a farm house community which comes with common security, power backup, water facilities, good neighbours and a small club house. Something that is appx. one hour away from Bangalore (where I live and teach). Ideally the club house should have a few rooms to stay overnight and a dining facility where someone would serve me food and beer. A place where I can do weekend farming (remaining days th

Friends - In case you are in Bangalore - here is a chance to meet up this sunday -22nd Feb at 10 am in the Bangalore stock exchange.Stocks, Mutual funds (that in turn invest in stocks) and Real estate are well known ways to get good returns on investments in India. Of these, stocks needs specialised knowledge and most people do not have this knowledge. Basically most people do not know how to value stocks.This session is focussed on stock valuation. I will share valuation methods used by Warren Bufffet - and I will share this with Indian examples.So please do come over if you are interested. The session is free and you do not need to pre-book.

2014 was a wonderful year – this was the year when most investments (except gold) gave great returns – there is a good chance you have made decent returns if you were either on Direct Equity or MF or Real estate or even Debt funds. So what does 2015 look like? Looks good. Here are my recommendations for 2015 –areas where you can make 20% plus returns:   Direct Equity - Stay invested in equity and increase your exposure to equity.  I believe 2015 will be the year of equity markets in India. Globally US is doing better and EU, Japan are struggling, China is slowing down and the Emerging countries like Indonesia, South Afr