Happy new year!!! Hope this year brings more joy to everyone. This is my portfolio update as of Jan-2021, its been a year since i started this blog so thanks for all the views/comments. In case you have not checked the previous post, please do checkout as i got an opportunity to write on freefincal. Most of the update will be similar.
Emergency Fund: i’am still accumulating for a big ticket purchase which hopefully i will purchase by this quarter and as said before i want to maintain atleast a year’s worth of salary as part of my emergency fund, as you might notice the XIRR has come down, this is mostly because the liquid funds now gives a return almost same as that of any savings account i.e 3-4%, anyway there is no point in looking at returns for an emergency fund. I just do it because i have been doing it for a while now. Overall XIRR of liquid + arbitrage funds as of today is around 5.56%. Please note that the below graph is only for liquid + arbitrage funds, the article on freefincal also considers my savings account and bank deposits as well.
Retirement: Nothing major here, just the regular investments, i did put in a lumpsum in November since our big ticket purchase was postponed, Since i will be having some more cashflow in Jan end i put in the lumpsum which i had kept for the big ticket purchase. Overall Equity MF XIRR as on today is 14.14%, yes the current bull run helped. Remember in April it was negative. The allocation and the corpus is higher than the expected one for the first time, which i’am obviously happy about, but there is no plans to re-balance it straight away.
Child’s Education: Here too the allocation and corpus is above what i expected at this stage, but there is no hurry to do the rebalance yet, i’am ok to wait till April where i may do the rebalance if required, lets see. Overall Equity MF XIRR as on today is 15.07%
See you in my next update for April-2021