this is the Index of a book called : “Goal Based Investing”

Where are you today? (balance sheet, net worth, working assets, and using assets)

Where do you want to go (Goal setting)

Resources that you have (Cash flow and amounts available for investing)

Risk profiling (this is tricky. I want a person’s asset allocation to come out of his risk profiling. If he is not happy with say 60% equity and 40% debt, HE should alter his RISK profile not just his Asset allocation)

Asset allocation: understanding that ‘future earnings’ is a very big asset from age 23 to age 53, so if that is steady (like a Gov job) then bought assets can have equity, but if the main source of income is fluctuating (like a salesman) then he needs to have more stable assets.

Mutual funds (including how to select a fund, and how ratings are useless)

Portfolio construction (requires discipline, not IQ)

Life and Health Insurance

Documents to be maintained

Mistakes to be avoided

How to stay away from new product

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Do you think anything more has to be added. If yes, what?

PS: this index is not final, it is subject to additions AND deletions. It will not have anything like “what is a mutual fund” of ‘what is equity’ kinda stuff – and it will be math / calculator driven…

PLEASE GIVE FEEDBACK ON THE BLOG….not on FB 🙂 FB posts are difficult to track…

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  1. sir congratulations

    i have one suggestion

    you have given ideas to enter the chakravyugam that is retirement but not how to get out of it

    if you can add details on how to manage post retirement portfolio it will be helpful

  2. Dear Sir,

    I think following points may be positive for us.

    1. Responsibility :- Family, social and others when select investment

    2. Myths

    3. Two main roads of Indian society towards investment:-
    Urban society and villages where more people need to investment.

    4. How to recover / remedies any losses in investments

    Regards,
    Bakul

  3. Sir,

    One suggestion, “how to stay calm while market fluctuates?”,viz. to move out of the funds when its bearish and excited when its bullish.

  4. Sir,
    In the MF sections – Include explaining a bit of MF structure, Types of MFs (still many think that MF means investing in Equity)

    2. Taxation and Inflation impact and how it is important to look at returns net of tax and Inflation

    3. PPF, Tax Free bonds, NPS – some of the Government linked products

  5. Please include examples or case studies across financial backgrounds.Any book on personal finance with simple jargon and case studies will always be a big hit!!
    All the best!!

  6. Subra Sir,

    Through your blogs and other references if one builds required corpus, he/she should be aware how to utilize the retirement corpus. It should not be that he/she just withdraw from that corpus. So how to utilize the corpus should be mentioned.

    Thanks

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