Randomwalk Most Short duration and Liquid Funds are marketed as instruments which provide higher liquidity than FD and slightly higher yield. This is a myth because: Short term (below <3 year) Debt funds are taxed at your tax slab which means it could be as high as 30%. No matter how safe a debt fund claim … Read more
For someone who has never invested in P2P, starting from scratch is a hassle. I have written down the process and strategy for a beginner. How to Open an account : As of now I am actively investing in 4 Platforms I2I Funding LendenClub RupeeCircle CashKumar Some of the platform I had evaluated and stopped … Read more
It doesn’t make much sense in investing in Mutual Funds Mutual Fund companies and Wealth Managers have all the reason to make you believe that you are going to be a crorepati in 5 years Let’ s start from the beginning PART 1: Why active investing sucks for most people Why do People invest in … Read more
In Part 1 I covered how important is to manage expense and track them religiously ( Managing Expense ) In Part 2 I am covering Investment Allocation Liquidity Management Investment Allocation : Somebody tells you about some great investment product. What do you do? You put some money into it .Does this change the outcome of your … Read more
People keep asking me which is the best mutual fund? Which is the best stock in long term? Will Crypto make it big? Is Real Estate better than Stock ? Is P2P lending good? I should be honest about it that I dont know the exact answers of these questions ! I can only predict … Read more
This month I have completed 1.5 years investing in P2P lending platforms. Overall the experience has been good. There were some hiccups though in the form of selecting good platforms,choosing category of loans but with experience you learn from your mistakes. Today I will compare my latest portfolio performance with the other asset classes for … Read more
“Mutual Funds Sahi Hai” , the omnipresent tagline these days has become a buzzword these days if you watch TV or read newspaper. In one of the advertisement the protagonist draws the analogy between Mutual Fund and Test match where the probability of making money increases with time we spend holding the mutual funds. The … Read more
I had covered portfolio return computation for lendenClub in last post. Uptill now it was really difficult calculating I2I return using XIRR method and I have to resort to NARR method using R programming.With the release of “My Account ” feature it has become very easy to calculate portfolio performance. Step1: Calculate the net income … Read more
In my endeavour to create a robust P2P lending portfolio I will cover how I calculate return for my portfolio.I will start with LendenClub and in the next few posts will cover rest of the platforms. The return provided on the platform are expected returns and can be misleading.That is a futuristic projection based on … Read more
In continuation of my blog posts on P2P returns and performance I am publishing my latest quarterly portfolio . I have steadily increased my exposure across various platforms and my performance has started stabilizing which is a good indicator of Portfolio health due to diversification. Portfolio Composition December Allocation January allocation Portfolio Changes: I … Read more
