What I did in January

What I did in January

Wrapping up the Review of 2021In my predictions for 2021, I said thisMy last prediction is that in 2021, the stock prices will go up and go down. But If you dollar-cost average into a S&P 500 index fund during 2021 on a monthly or semi-monthly basis, my prediction...
2021 in Review- Part 3

2021 in Review- Part 3

At the beginning of 2021, I wrote this piece where I made a few predictions. As 2021 comes to an end, I am reviewing those predictions and grading myself. This is Part 3 of 2021 review. You can find Part 1 here and Part 2 here. One prediction that I made at the...
2021 in Review- Part 2

2021 in Review- Part 2

Last week, I shared Part 1 of the 2021 review. Another prediction I made at the beginning of 2021 was that companies will heavily invest in their digital transformation. As you may have noticed the amount of data that companies has access to has exploded over the last...
2021 in Review- Part 1

2021 in Review- Part 1

At the beginning of 2021, I shared this note where I highlighted some trends and the stocks that I own in my portfolio to benefit from these trends. I will be sharing my thoughts on those thoughts in the next couple of weeks. This is the first of those articles. In...
What I did in January

This is the time to buy!

Over the last four weeks or so, most of my holdings have been taking a beating. Some of my positions are down as much as 50% off their highs. You might ask why? I don’t know for sure. There is lots of selling pressure because investors are scared. Some investors are...
2021 in Review- Part 1

Twilio: A Great Opportunity this Halloween?

At the beginning of 2021, I had picked Twilio (TWLO) as one of the companies to invest for the next 3 years. TWLO started this year around $341 quickly reached a high of $425 in March and then stayed range bound and fell about 20% last week after reporting Q3 2021...
An update on my holdings in Q3 2021

An update on my holdings in Q3 2021

Netflix Story I previously reviewed the Q2 results for Netflix in this article. Netflix reported its latest quarter (Q3 2021) earnings on Oct. 19th. The company reported $7.483 billion in revenue and added 4.4 million subscribers in Q3. They were guiding for 3.5...
2021 in Review- Part 2

How to beat the stock market?

Recently, I received the following question on the Facebook page for Help Me Start Investing : How common is it for someone to beat the market consistently? Is it very common? If yes – what would be the percentage by which a good trader / investor does better...
2021 in Review- Part 2

2 Stocks that I bought recently

In this post, I want to talk about two new stocks that I added to my portfolio in the last few weeks. The first one is Upstart Network (UPST). What it does?  Upstart uses Artificial Intelligence (AI) to help lending institutions determine credit worthiness of their...
Buying Opportunity or Run for the hills?

Buying Opportunity or Run for the hills?

Zoom Video Communications (ZM) reported their Q2 2022 earnings on August 30th and the market reacted by sending the stock price 15% lower. Were the results so bad? Let’s dig in. I have written about ZM in this article and I am tracking their numbers before the...
A Short Update after MELI Q2 2021 Results

A Short Update after MELI Q2 2021 Results

I previously wrote about Mercadolibre here and here. MELI announced their Q2 2021 report on Aug 4th and the market rewarded the shareholders with double digit returns. If you bought MELI after my second article that I wrote in May, you would be up about 37%. However,...
What I did in January

Checking in On Earnings Season

Short Update About Me   My last article came out on June 30th. I wasn’t able to update my blog due to a personal project and summer travel. I have also designed a series of 7 coaching sessions for anyone looking to get a head start on their personal finances,...
Market Timing Vs Time in the Market

Market Timing Vs Time in the Market

This week I am sharing my thoughts about timing the market versus time in the market using two made up examples. Here is a short story about two individuals GK and MK who lived through the last 94 years.  Worst Market Timer GK is the worst market timer. He is afraid...
Market Timing Vs Time in the Market

How I Build My Portfolio?

Thanks for another informative blog. It would also be beneficial if you can post a topic related to portfolio sizing i.e. how you build a position in any stock, weighting of those individual positions, is there any maximum allocation strategy you follow etc In this...
2021 in Review- Part 2

Wrapping up the Earnings Season

This was a busy earnings week for my portfolio holdings so I am writing a short earnings blurb for four of my holdings that reported in the previous week. I have picked all four of these to outperform the market in the next 3 years.  Zoom Video Communications The...
Why I remain cautiously bullish on OKTA?

Why I remain cautiously bullish on OKTA?

At the start of 2021, I had picked OKTA to do well over the next three years. Let’s talk about what Okta does. Okta provides identity and access management (IAM) for all sizes of companies allowing them to securely integrate internal and third-party cloud...
A Short Update after MELI Q2 2021 Results

Why I am more bullish on Mercadolibre?

At the beginning of the year, I picked MercadoLibre (MELI) to be one of the winners in 2021 and beyond. This is how the stock price has behaved since then It started the year around $1,640, reached around $2,000 in Feb and has been on a steady decline since then and...
Investing Mindset: Volatility is your friend!

Investing Mindset: Volatility is your friend!

If you started investing only in the last year, you may be spoiled by now. All you have seen is that the market going up every month and some of the stocks were up well over 100% in the last year alone. This week, I had planned to write about earnings reports from...
Pinterest: Falling Knife or Buying Opportunity

Pinterest: Falling Knife or Buying Opportunity

A new position that I started in 2021 is Pinterest (PINS). This is a stock that was up 290% in 2020. So, you might think that I am late to the party. But let me tell you that most of my gains have come from positions that were already up huge. In the past that used to...
Market Timing Vs Time in the Market

Start Investing the Right Way Now!

If you are reading this article, then you are likely interested in getting started investing the right way. Over the years I have come across a lot of people who struggle with their finances and find personal finance and investing complex. In fact, because they find...
Backdoor Roth IRA- Why and How?

Backdoor Roth IRA- Why and How?

In this article, I want to talk about an account that is available to all of us that we can use for investing in a tax-efficient way- Roth IRA. I talk about the advantage of investing through a Roth IRA in this article. The U.S. tax system allows some incentives to...
Investing Mistake #1- Price-Anchoring Bias

Investing Mistake #1- Price-Anchoring Bias

Before I write about this common investing mistake, I want to mention that I am not talking about others in this article. I am talking about myself. I have made all of these mistakes that I list in this article and I still make some of these today. Lot of people when...
529 Plans and College Scholarships-How to Optimize?

529 Plans and College Scholarships-How to Optimize?

This is a follow-up article to what I wrote last week. I am investigating the topic of 529 plans further this week.  It would help if you think of 529 plans and Coverdell ESA plans as a bridge to help supplement the cost of college for your children. It will be nice...
How to Invest for Kids?

How to Invest for Kids?

I am investing for primarily two reasons. First, I want to save for our retirement. Second, I want to make sure that my kids can graduate debt-free. This week I share my experiences about investing options for saving for kids’ education, what type of accounts we...
How I pick a company to invest in?

How I pick a company to invest in?

I am extremely selective when I decide to buy the stock of an individual company because as I mentioned in this article, I have two components to my portfolio: Index Funds and Individual Stocks. Over the past 9 years, the index funds have provided about 13% annual...
Why Should We Invest?

Why Should We Invest?

We should invest because saving alone is not enough to reach financial independence (FI). Investing can help us compound our money. In this article, I am going to use a case study to highlight the power of compounding and make an argument for investing. Let’s consider...