Investment Management Journal

Graduating from a passive investor to being a judicious one is not a linear path. The new found awareness and interest prompted me to shop around the Financial literature and Fintech market in the digital world - at a frenetic pace and excitement for a few months. I carpet bombed myself with reels from self-proclaimed wannabe financial advisors, videos on Youtube, literature from blogposts & podcasts, etc. I will be dishonest if I do not admit that, I was at times carried away by the information I was fed on - and mistook popularity for wisdom. The late-bloomer inertia in me was a saving grace - as I managed to give an expected performance of not-acting on the dose of adrenalin. It is at this stage that I got enrolled into the MBA program (30 years after graduating). This stint helped me to stay grounded to take an organic approach. I felt, it is also important that I shed my diffidence about the approach I have already taken into - for my financial scenario which was built on a co...

I have a Mutual Fund (MF) portfolio that I initiated in 2024. The porfolio has been selected based on a few assumptions - to achieve returns of 15 to 17 % over a 7 year term. This journey is underway. I would like to now consider myself an "aware investor". The desire is to graduate slowly to be an "informed investor" and possibly one who also gets to successfully achieve his objectives in the next few years. Not that I am any wiser now, getting to be aware of the changing landscape of financal economics has been eye-opening & a tad adventurous for me.  I belong to a generation where the formative years of adoloscence and early adulthood has been in a conservative setting - of all kinds - where savings was a virtue, utility economics was akin to sustainable living, spending on wants was a luxury / taboo. The decade of 1990 - 2000 was disruptive to our generation in more ways than one. For the many who were rooted in the protectionist economic ecosystem - breakin...