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A reader asks, “Sir, what return should I use while planning for retirement? I wish to retire by age 55. I am currently 35”. Many people make two mistakes while planning their finances. The first common mistake is presuming that equity mutual funds provide a 12% (or more!) return and utilising that figure to calculate...
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We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. Update: Starting March 2026, the screening metrics have been significantly updated (details below). There are now three different screener files available. (1) Stocks with low volatility and momentum from the BSE 100...
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Last Updated on June 2, 2026 at 8:11 am DIY investors often ask us, “What withdrawal rate do you recommend for retirement planning?” — a discussion. The withdrawal rate is defined as the annual expenses in (the first year of) retirement divided by the corpus. Typically, this is estimated before or at retirement and is...
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Statements like, “Our analysis shows that, over the long term, the stock market shows poor returns for only two out of every ten periods. This means that the probability of losing money is quite small”, are wrong. You cannot, well, must not associate probabilities with stock market returns. Just because one has two numbers –...
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A few years ago, during a long drive, I discussed money and governance with the auto-driver (it is safer to chat with strangers than relatives). He said, “For middle-class people like me ..”. I do not remember the rest of the sentence, but that phrase middle-class people like me has stayed with me. Up until that...
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