Randomwalk It is known fact that diversification helps in reduction of total risk . Conventional portfolio use this principle and diversify between bonds and equity etc. This is the foundation of modern portfolio Theory. Let’s take an example . Mr X is 30 year old. Conventional wisdom say he should invest 70% in equity and 30% … Read more
When it comes to investing in Debt most people look into only 2 options: Fixed Deposit Debt Mutual Funds Though these have their own advantages which I have covered earlier, one thing which they lack is liquidity . You end up paying either an exit fees or you have to wait till a stipulated period. … Read more
This month I have made some significant changes in my portfolio. I will be adding a new P2P platform from this month called OMLP2P I have decided to stop my “unidentified risk” category investment in Lendenclub I will cover the rationale in detail .Let me start with the current month allocation and performance stats Portfolio … Read more
A lot has been written about diversification in peer to peer lending, including on this site .It is the most important factor in P2P lending. Beginner investors sometimes pay too much attention to the details of each individual loan, occasionally forgetting to simply diversify their investment across hundreds of loans. Many get really frustrated after few … Read more
One Important feature of P2P lending is that it pays EMI which is sum of the principal Invested and Interest. I had covered how it can be used as an emergency fund in one of my earlier article. http://randomdimes.com/2018/parking-emergency-fund-in-p2p-platform/ Today I will demonstrate how to get a ball park figure of your liquidity and how … Read more
What is A REIT? REIT stands for Real Estate Investment Trust REITs are securities linked to real estate that can be traded on stock exchanges once they get listed. The structure of REITs is similar to that of a mutual fund. Just like mutual funds, there are sponsors, trustees, fund managers and unit holders in … Read more
NO SIP is not beneficial If you think SIP has the power to allay your loses or protect you from volatility as promised by the mutual fund houses, Investment advisory, then brace yourself for a shock! We get salary every month so we are forced to invest every month. If you have 100Rs now its … Read more
Peer to Peer Lending is a relatively new asset class in India but has been an active asset class in UK and US for more than 14 years now. How does P2P lending fit in an asset allocation and what advantage does it provide compared to an Equity and Bond Portfolio? Let’s see the performance … Read more
There are 2 Kind of people : Who believe you can’t time the market Who believe you should invest in market only when it’s undervalued. Both are correct to an extent , though it’s not impossible to time market but to do it consistently is impossible but it is possible to improve your odds of … Read more
Its not an apple to apples comparison ! POINT 1: House Return = Residential property Return + Your house Buying Skill Let’s first start comparing Real Estate Return with Broad stock market Return I have written few answers on this ,how the end results is determined by many factors Without Leverage Real Estate Return = … Read more
