Portfolio Construction (59 articles)

<p>This article will show how starting an SWP once you are retired (early or otherwise) does not always guarantee a comfortable lifestyle in retirement.</p>
Retirement FIRE Portfolio Construction
The lie of enjoying financial freedom via SWP from mutual funds

This article will show how starting an SWP once you are retired (early or otherwise) does not always guarantee a comfortable lifestyle in retirement.

Published: 10 December 2024

17 MIN READ

<p>This article discusses how to plan early retirement in the face of lifestyle inflation and lack of health insurance for an investor in their 40s.</p>
FIRE Portfolio Construction Health Insurance
Does this DISK family need to work longer even after reaching 45x FIRE corpus?

This article discusses how to plan early retirement in the face of lifestyle inflation and lack of health insurance for an investor in their 40s.

Published: 8 December 2024

9 MIN READ

<p>This article provides thumb-rules for adding the value of income-generating investments for your long-term portfolio based on how much returns they give.</p>
Portfolio Construction
Is real-estate a large part of your portfolio - how to value income-generating investments?

This article provides thumb-rules for adding the value of income-generating investments for your long-term portfolio based on how much returns they give.

Published: 6 November 2024

7 MIN READ

<p>This article breaks down mutual fund categories based on your investment horizon—whether it’s 5, 10, or 15 years away.</p>
Portfolio Construction Calculator
Which are the Best Mutual Fund Categories for every Investment Horizon?

This article breaks down mutual fund categories based on your investment horizon—whether it’s 5, 10, or 15 years away.

Published: 21 August 2024

7 MIN READ

<p>This article explains how the return and corpus created vary between a step-up SIP and an ordinary fixed SIP.</p>
Portfolio Construction
Does a step-up SIP provide a higher return than an ordinary SIP?

This article explains how the return and corpus created vary between a step-up SIP and an ordinary fixed SIP.

Published: 14 July 2024

12 MIN READ

<p>This article provides multiple options for grandparents to transfer family wealth to their grandchildren.</p>
Children Portfolio Construction
How can grandparents invest for their grandchildren?

This article provides multiple options for grandparents to transfer family wealth to their grandchildren.

Published: 7 July 2024

15 MIN READ

<p>This article shows you how the growth of your investments, the amount you invest and how fast you grow your income have roles to play in increasing your net worth.</p>
Portfolio Construction
How easy is it to double your portfolio?

This article shows you how the growth of your investments, the amount you invest and how fast you grow your income have roles to play in increasing your net worth.

Published: 2 June 2024

15 MIN READ

<p>This article shows how to understand the impact on your portfolio if you stop investing for a few years between today and retirement.</p>
Portfolio Construction
How much lower portfolio value do you end up with if you do not invest for a few years in between?

This article shows how to understand the impact on your portfolio if you stop investing for a few years between today and retirement.

Published: 24 April 2024

7 MIN READ

<p>This article looks at the various stages of your career from the perspective of maximum wealth creation.</p>
Portfolio Construction
Which stage of your career is most important for wealth creation?

This article looks at the various stages of your career from the perspective of maximum wealth creation.

Published: 17 April 2024

7 MIN READ

<p>This article shows the calculation for your portfolio’s lifetime XIRR which allows you to meet all your goals.</p>
Portfolio Construction Calculator
How much portfolio return do you need over your lifetime to meet all your goals?

This article shows the calculation for your portfolio’s lifetime XIRR which allows you to meet all your goals.

Published: 7 April 2024

5 MIN READ

<p>This article explains the concept of a step-up SIP and allows you to calculate how much more returns can you get using a step-up SIP vs. a normal SIP.</p>
Portfolio Construction Calculator
What is a step-up SIP and how much more wealth does it create vs. a normal SIP?

This article explains the concept of a step-up SIP and allows you to calculate how much more returns can you get using a step-up SIP vs. a normal SIP.

Published: 14 February 2024

13 MIN READ

<p>This article explains how DIY investors can move from a shoot & aim to aim & shoot approach towards their investments.</p>
Portfolio Construction Set Goals
Are Your MF Investments Do it Yourself? Make Plan it Yourself Your New Mantra for Success

This article explains how DIY investors can move from a shoot & aim to aim & shoot approach towards their investments.

Published: 28 January 2024

7 MIN READ

<p>This article discusses what kind of caution you should exercise in case you are using media outlets to learn about personal finance.</p>
Portfolio Construction
What are the dangers of following financial advice from main-stream media?

This article discusses what kind of caution you should exercise in case you are using media outlets to learn about personal finance.

Published: 27 December 2023

5 MIN READ

<p>This article explains the concept of the stock SIP that allows you to buy shares automatically on a regular basis.</p>
Portfolio Construction
What is a stock SIP? Should you have one?

This article explains the concept of the stock SIP that allows you to buy shares automatically on a regular basis.

Published: 22 November 2023

3 MIN READ

<p>This article answers a question about investing a certain percentage (here 55%) of your monthly income.</p>
Step by step Portfolio Construction
Where to invest your monthly income if you spend only 45% a month?

This article answers a question about investing a certain percentage (here 55%) of your monthly income.

Published: 2 August 2023

10 MIN READ

<p>This article shows how investors can map their various investments, like mutual funds, FDs, NPS, stocks etc., to different goals.</p>
Portfolio Construction Set Goals
How to map your mutual funds to your investment goals?

This article shows how investors can map their various investments, like mutual funds, FDs, NPS, stocks etc., to different goals.

Published: 25 June 2023

8 MIN READ

<p>This article shows how couples should invest together for their financial goals to manage their portfolio without any hassles.</p>
Portfolio Construction Portfolio Review
How should couples invest for their goals?

This article shows how couples should invest together for their financial goals to manage their portfolio without any hassles.

Published: 21 June 2023

5 MIN READ

<p>This article shows what lazy portfolios are and how investors can quickly implement the concept to make reaching their goals more manageable.</p>
Portfolio Construction Portfolio Review
What are lazy portfolios and why you should implement them for your goals?

This article shows what lazy portfolios are and how investors can quickly implement the concept to make reaching their goals more manageable.

Published: 14 June 2023

5 MIN READ

<p>This article helps you estimate the returns from your investments to help you decide how much you need to invest.</p>
Portfolio Construction
How much returns should you estimate for your goals?

This article helps you estimate the returns from your investments to help you decide how much you need to invest.

Published: 15 March 2023

12 MIN READ

<p>This article extends the concept of a target date fund for one-time goals like house downpayment for investors in India.</p>
Portfolio Construction
How to invest for a single goal using Target Date Funds in India?

This article extends the concept of a target date fund for one-time goals like house downpayment for investors in India.

Published: 12 March 2023

10 MIN READ

<p>This article explains how to create a target date fund to simplify retirement planning in India.</p>
Portfolio Construction Retirement
How to invest in a target date fund for retirement in India?

This article explains how to create a target date fund to simplify retirement planning in India.

Published: 1 March 2023

14 MIN READ

<p>This article introduces the concept of the target date fund and explains why they are a good option for retirement planning.</p>
Portfolio Construction Retirement Asset Allocation
What are target date funds and why do we need them in India for retirement?

This article introduces the concept of the target date fund and explains why they are a good option for retirement planning.

Published: 26 February 2023

8 MIN READ

<p>This article shows the historical performance of single payment goals in India and whether it has worked for reaching the desired corpus if you invest a lump sum amount.</p>
Portfolio Construction
Goal-based investing: does it work in India for lump sum investing?

This article shows the historical performance of single payment goals in India and whether it has worked for reaching the desired corpus if you invest a lump sum amount.

Published: 21 December 2022

8 MIN READ

<p>This article shows the historical performance of applying goal-based investing principles to single payment goals in India and whether it has worked for reaching the desired corpus.</p>
Portfolio Construction
Goal-based investing: does it work in India?

This article shows the historical performance of applying goal-based investing principles to single payment goals in India and whether it has worked for reaching the desired corpus.

Published: 18 December 2022

9 MIN READ

<p>This article uses the Arthgyaan Have vs Needs Framework to invest a large lump sum amount in your portfolio per your financial goals.</p>
Portfolio Construction Mutual Funds
How to invest a lump sum amount for your goals?

This article uses the Arthgyaan Have vs Needs Framework to invest a large lump sum amount in your portfolio per your financial goals.

Published: 27 November 2022

9 MIN READ

<p>This article discusses a quick thumb rule for retirement corpus estimation that you can do today.</p>
Retirement Portfolio Construction
How much money do you need for retirement?

This article discusses a quick thumb rule for retirement corpus estimation that you can do today.

Published: 12 October 2022

7 MIN READ

<p>This article shows you a simple set of rules for planning any financial goal: from a month to decades away via three buckets of assets.</p>
Portfolio Construction Portfolio Review
How to use the bucket theory to plan for your goals?

This article shows you a simple set of rules for planning any financial goal: from a month to decades away via three buckets of assets.

Published: 14 September 2022

8 MIN READ

<p>This article talks about the impact of inflation on your goals and shows which assets have beaten inflation over time in India.</p>
Portfolio Construction
Inflation: the impact on your goals and how to choose assets that beat it

This article talks about the impact of inflation on your goals and shows which assets have beaten inflation over time in India.

Published: 1 September 2022

9 MIN READ

<p>This article demystifies some common jargons of investing in mutual funds by explaining SIP, SWP and STP along with examples of which one to use and when.</p>
Portfolio Construction Portfolio Review
SIP, SWP and STP - what do they mean, which one should you choose and when?

This article demystifies some common jargons of investing in mutual funds by explaining SIP, SWP and STP along with examples of which one to use and when.

Published: 28 August 2022

16 MIN READ

<p>This article shows how a young just-married couple can invest for future goals using the Arthgyaan goal-based investing tool.</p>
Case Study Portfolio Construction
Case study: how this double income recently married family can perform DIY goal-based investment planning

This article shows how a young just-married couple can invest for future goals using the Arthgyaan goal-based investing tool.

Published: 7 August 2022

17 MIN READ

<p>This article shows a simple retirement and review plan that anyone can follow in a step-by-step manner.</p>
Retirement Portfolio Construction Step by step
Low-stress retirement planning calculations: worked out example

This article shows a simple retirement and review plan that anyone can follow in a step-by-step manner.

Published: 3 August 2022

12 MIN READ

<p>This article explains how the RBI repo rate drives the values of all your loans and investments and shows what investors should do to best take advantage of the situation.</p>
Portfolio Construction
Repo rates are rising - what should investors do?

This article explains how the RBI repo rate drives the values of all your loans and investments and shows what investors should do to best take advantage of the situation.

Published: 6 July 2022

12 MIN READ

<p>A common piece of advice given by many people is to stop investing when the stocks markets are down. This article explores if this advice makes sense.</p>
Portfolio Construction Behaviour Market Movements
Don't stop investing when the markets are down

A common piece of advice given by many people is to stop investing when the stocks markets are down. This article explores if this advice makes sense.

Published: 29 May 2022

5 MIN READ

<p>A guide to both new and seasoned investors for choosing suitable investments for their portfolio in the same way selectors choose a World Cup winning team.</p>
Asset Allocation Portfolio Construction
What does the 1983 World Cup win teach us about investing?

A guide to both new and seasoned investors for choosing suitable investments for their portfolio in the same way selectors choose a World Cup winning team.

Published: 27 March 2022

9 MIN READ

<p>Risk and return go hand in hand, and a portfolio requires a balanced representation from various sources of risk to generate returns.</p>
Portfolio Construction Risk
Portfolio construction basics: sources of risk

Risk and return go hand in hand, and a portfolio requires a balanced representation from various sources of risk to generate returns.

Published: 20 March 2022

7 MIN READ

<p>60% of the NPS corpus needs to be invested at maturity with other retirement funds as a lump sum. This post shows how.</p>
NPS Retirement Portfolio Construction
How to invest your NPS corpus to get most returns in retirement?

60% of the NPS corpus needs to be invested at maturity with other retirement funds as a lump sum. This post shows how.

Published: 6 March 2022

10 MIN READ

<p>The standard advice given to investors is to match their goal duration with the portfolio duration in the case of the debt component. But, is that the right thing to do?</p>
Portfolio Construction Choosing Investments
Should you match debt portfolio duration with goal duration?

The standard advice given to investors is to match their goal duration with the portfolio duration in the case of the debt component. But, is that the right thing to do?

Published: 13 February 2022

17 MIN READ

<p>Do not chase returns. Invest more instead. To do that, focus on increasing your income by focusing on human capital.</p>
Portfolio Construction
Your human capital, not investment returns, is your biggest wealth creator

Do not chase returns. Invest more instead. To do that, focus on increasing your income by focusing on human capital.

Published: 6 February 2022

10 MIN READ

<p>This article discusses a no-shortcuts, step-by-step guide for investors who want to create wealth.</p>
Set Goals Portfolio Construction
Do you want to create wealth? This is how you should proceed step by step

This article discusses a no-shortcuts, step-by-step guide for investors who want to create wealth.

Published: 22 January 2022

13 MIN READ

<p>This article shows how the power of compounding works to create phenomenal wealth.</p>
Portfolio Construction
How compounding works: the journey to a 10 crore portfolio

This article shows how the power of compounding works to create phenomenal wealth.

Published: 11 January 2022

8 MIN READ

<p>This article analyses if a permanent portfolio (equal proportion of stocks, bonds, gold and cash) works for Indian investors.</p>
Portfolio Construction Gold
Should Indian investors invest in the permanent portfolio?

This article analyses if a permanent portfolio (equal proportion of stocks, bonds, gold and cash) works for Indian investors.

Published: 9 January 2022

12 MIN READ

<p>If you can increase the amount of monthly investments, where should you invest next?</p>
Portfolio Construction
Where to invest additional money every month?

If you can increase the amount of monthly investments, where should you invest next?

Published: 13 December 2021

6 MIN READ

<p>Understanding the risk of every asset class in our portfolio is essential. This article talks about the risk in index funds.</p>
Portfolio Construction Risk
Are index funds less risky than active funds?

Understanding the risk of every asset class in our portfolio is essential. This article talks about the risk in index funds.

Published: 10 December 2021

7 MIN READ

<p>Many investors have a need where they want the safety of assured returns and wish to beat inflation simultaneously. Can debt funds do that?</p>
Portfolio Construction
Can debt funds beat inflation?

Many investors have a need where they want the safety of assured returns and wish to beat inflation simultaneously. Can debt funds do that?

Published: 9 December 2021

10 MIN READ

<p>Equity markets do not guarantee any returns, but we can estimate how much return we will get from SIP or lumpsum investing.</p>
Portfolio Construction
What returns should we expect from equity investing?

Equity markets do not guarantee any returns, but we can estimate how much return we will get from SIP or lumpsum investing.

Published: 22 November 2021

6 MIN READ

<p>This post describes RBI’s new Retail Direct Scheme and how you can use it to build a guaranteed income stream.</p>
Portfolio Construction Review
How to use the RBI Retail Direct Scheme to get guaranteed income?

This post describes RBI’s new Retail Direct Scheme and how you can use it to build a guaranteed income stream.

Published: 16 November 2021

19 MIN READ

<p>This post shows investors in which situations they should invest in FD vs other products like mutual funds.</p>
Portfolio Construction Fixed Deposit Mutual Funds
Mutual Fund vs Fixed Deposit - where should you invest?

This post shows investors in which situations they should invest in FD vs other products like mutual funds.

Published: 28 October 2021

12 MIN READ

<p>This post will answer the frequently asked question for many investors regarding the proportion of equity they need to hold as per age.</p>
Asset Allocation Portfolio Construction
Asset allocation by age: How much equity should you have at various ages?

This post will answer the frequently asked question for many investors regarding the proportion of equity they need to hold as per age.

Published: 19 October 2021

10 MIN READ

<p>This post shows how to simplify portfolio construction and management via a unified portfolio along with its associated risks.</p>
Portfolio Construction Asset Allocation
Goal-based investing: should you use a unified portfolio?

This post shows how to simplify portfolio construction and management via a unified portfolio along with its associated risks.

Published: 11 October 2021

11 MIN READ

<p>This post shows how goal-based investing can help you afford your dream home down-payment and EMI.</p>
Portfolio Construction Real Estate House Purchase
Goal-based investing: how to purchase your dream home

This post shows how goal-based investing can help you afford your dream home down-payment and EMI.

Published: 5 October 2021

10 MIN READ

<p>This post is targeted towards investors facing too many choices in funds, stocks, and insurance policies, making it difficult to get started.</p>
Set Goals Portfolio Construction
How Goal-based investing helps you to cut through the clutter and lets you get started with investing?

This post is targeted towards investors facing too many choices in funds, stocks, and insurance policies, making it difficult to get started.

Published: 14 September 2021

8 MIN READ

<p>This post shows a way to estimate the final corpus for a SIP</p>
Portfolio Construction Calculator
I have started a 15k SIP. How much money will I have in 15 years?

This post shows a way to estimate the final corpus for a SIP

Published: 2 September 2021

12 MIN READ

<p>This post deals with a problem that many investors face: how to invest some “spare” money</p>
Set Goals Portfolio Construction
I have ₹5 lakhs in the bank. What do I do now to get the best returns?

This post deals with a problem that many investors face: how to invest some “spare” money

Published: 31 August 2021

7 MIN READ

<p>The answer is just enough as per your portfolio goals: here’s how to calculate it</p>
Portfolio Construction
How much cash should I hold in my portfolio?

The answer is just enough as per your portfolio goals: here’s how to calculate it

Published: 17 July 2021

5 MIN READ

<p>The Investment Policy Statement (IPS) is an important starting point of goal-based investing: here’s why</p>
Portfolio Construction
What is an Investment Policy Statement and why it is needed?

The Investment Policy Statement (IPS) is an important starting point of goal-based investing: here’s why

Published: 30 June 2021

6 MIN READ

<p>Investing in a mixed portfolio of equity and debt mutual funds cannot beat inflation in most cases</p>
Portfolio Construction
You cannot beat inflation even with equity mutual funds: here's why

Investing in a mixed portfolio of equity and debt mutual funds cannot beat inflation in most cases

Published: 29 June 2021

4 MIN READ

<p>Diversification is spreading risk across various investments so that all of them don’t perform equally bad (or good) at the same time</p>
Portfolio Construction
What is diversification: how and why should you do it?

Diversification is spreading risk across various investments so that all of them don’t perform equally bad (or good) at the same time

Published: 28 June 2021

3 MIN READ

<p>Investors are often in a dilemma as to the best way of structuring their portfolio for different goals.</p>
Portfolio Construction
Should the same funds and folios be chosen for different goals?

Investors are often in a dilemma as to the best way of structuring their portfolio for different goals.

Published: 14 June 2021

4 MIN READ

<p>Lumpsum investments are easy to do if you know what you feel about it, not how markets move.</p>
Portfolio Construction
SIP vs. lump sum: what should I choose?

Lumpsum investments are easy to do if you know what you feel about it, not how markets move.

Published: 25 April 2021

5 MIN READ


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