Feb’20 – Monthly Investment Update – Corona all the way

Here is a consolidated report of my investments in stocks, MF, P2P lending, Alternate investments for Feb 2020 and the passive income I generate from these.

Another month has gone by and I am closer to my investment goal by a tiny bit. I realized that a few investments and one loan was not being reported. These have been reported from this month. Overall, I have achieved 2.6% of my target and still have 140 months left to reach a goal of Rs.5,00,00,000 (Rs.5 Crores).

In a nutshell:

  • New alternate investments missed out earlier have been added
  • 6 different status updates are being published as one monthly progress update
  • Stock investments and Mutual Funds are down
  • Corona virus does not seem to be going away any time soon
  • P2P lending has started showing returns
  • Investment in Solar cells will start showing returns from March 2020
  • About Rs.14,400 earned as passive income in February 2020.

My Overall Investments and Progress as of Feb’20

Final GoalRs.5 Crores
Total InvestedRs. 11,03,254
Current ValueRs. 12,98,665
Goal Achieved2.60%
Passive Income in Feb’20Rs.14,402
Time left140 of 144 months

Writings in Feb’20

February 2020 saw Little Saves improve in design and speed. With my limited abilities and after hours of learning more, I have made some decent changes to the looks and feel of the site. I have also made it load faster.

What if you die? Is your family aware of what to do?

This was a question I had for my own family. I have written an article that makes it easy for you to track what all documents and details you need to keep in order. You passing away or going into coma is bad enough for your family. Don’t let them suffer with no funds or idea of what loans you have given/taken, where you keep your funds and valuables etc.

Read the full article here

Calculator and Tools

This month I have started adding a number of nifty calculators and tools that will help you plan for FIRE and your personal finances. The first (and easy one) is the Compound interest calculator that will help you find the compound interest in Indian rupees on an investment over a period of time.

Value of Investments and breakdown as of Feb’2020

Passive Income earned in February’2020

Stock Market Investments Update for February 2020

With Corona virus wreaking havoc and fear everywhere, there has been no respite for stock investments. But, this is an excellent opportunity to pick up some good quality stocks for the long run.

I am waiting for my bonus to come end of this month and I will be on a buying spree 🙂

Mutual Fund Investment Updates for Feb 2020

Mutual funds too have felt the impact of the global lull brought on by the Corona virus. I still am enjoying a return on investment of about 9% or so. Well below the 17% I had last month.

Alternate Investments Update Feb’20

I kept my PF out of the earlier reports, but then changed my mind. So now, this is a more holistic portfolio of all my investments and loans.

I had taken a loan at 7% pa and am no planning to close it as it is a pretty low interest rate and this money will make more babies elsewhere when put to good use.

On the Sunexchange front, I added another 28K to the total investments. The cells I bought will take another 3-4 months to generate income. The old cells have started generating income, I will be reporting this from April’20.

P2P Lending Updates for Feb-2020

All good on my Peer2Peer lending portfolio. My loans are being paid on time and I am making ~1.5% to 2% per month as interest on the loans given out. I am hoping to increase my P2P investments by a lot more this year.

Rewards and Cashbacks in the month of February’20

I continue to generate a tonne of money as cashbacks and rewards. I am hoping to go on a good long holiday by the end of this year. The points I have been hoarding will be useful at that time.

I got a couple of useful vouchers from CRED this month for clothes. Otherwise, the usual money and cashbacks redeemed from Quickride, credit cards and other channels.

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Abhi is a 29 yr old Indian, on FIRE to retire by 40. He has been investing and learning Finance for the past 12 years. After completing Mechanical engineering, he started working in a multi-national Bank and grew to become an AVP. Currently with an IT MNC as a VP. He lives in Bangalore with his wife and their 1 year old daughter. In his free time, Abhi loves to game on the Xbox, watch movies, read and blog.

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