{"id":29,"date":"2015-09-30T14:11:14","date_gmt":"2015-09-30T14:11:14","guid":{"rendered":"https:\/\/kuverablog.wordpress.com\/?p=29"},"modified":"2019-06-10T09:32:32","modified_gmt":"2019-06-10T09:32:32","slug":"006-a-simple-d-i-y-investment-framework","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/006-a-simple-d-i-y-investment-framework\/","title":{"rendered":"A simple Do It Yourself (D.I.Y) investment framework"},"content":{"rendered":"

In the first five blogs we outlined a simple investment paradigm. Putting it all together, one can setup a simple yet effective strategy that should not take more than 2 hrs of your time every month. Here it is in few easy steps<\/p>\n

    \n
  1. Invest every month. Waiting costs money, not investing costs even more money.<\/a><\/li>\n
  2. Invest for the long term.<\/a> Do not invest money that you may need in the next two years.<\/li>\n
  3. Every month calculate your surplus income as excess cash (savings, FD\u2019s etc) over and above your annual expenses. Invest your surplus income.<\/li>\n
  4. Of your investment corpus buy (110 \u2013 Age)% in equity mutual fund and remainder in bond mutual fund.<\/a> For example if you are 30 years old, buy 80% in equity mutual funds and 20% in bond mutual funds. Choose index funds with the lowest annual fees.<\/li>\n
  5. Rebalance your portfolio every two years to be (110-Age)% in equity mutual funds and remainder in bond mutual funds.<\/li>\n
  6. Buy a residential house once you have sufficient wealth for at least a 20% down payment.<\/li>\n<\/ol>\n

    And most importantly, stay true to your investment plan. Ignore financial media and the calls of both boom and doom. Discipline is your biggest strength.<\/p>\n

    There it is – a simple D.I.Y investment strategy. Of course it has quite a few drawbacks; most importantly it does not take medium and long term goals or an individual\u2019s risk appetite into consideration.<\/p>\n

    Visit www.kuvera.in<\/a> to invest in “Direct Plans” of Mutual Funds and save BIG on commissions!!!<\/p>\n","protected":false},"excerpt":{"rendered":"

    In the first five blogs we outlined a simple investment paradigm. Putting it all together, one can setup a simple yet effective strategy that should not take more than 2 hrs of your time every month. Here it is in few easy steps Invest every month. Waiting costs money, not investing costs even more money. […]<\/p>\n

    Read More…<\/a><\/p>\n","protected":false},"author":2,"featured_media":725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[3,9,11,19],"yoast_head":"\nA simple Do It Yourself (D.I.Y) investment framework - Kuvera<\/title>\n<meta name=\"description\" content=\"Setup a simple yet effective investment strategy that should not take more than 2 hrs of your time every month.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/006-a-simple-d-i-y-investment-framework\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A simple Do It Yourself (D.I.Y) investment framework - Kuvera\" \/>\n<meta property=\"og:description\" content=\"Setup a simple yet effective investment strategy that should not take more than 2 hrs of your time every month.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/006-a-simple-d-i-y-investment-framework\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2015-09-30T14:11:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-06-10T09:32:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2015\/09\/Screen-Shot-2017-05-06-at-10.09.03-AM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"845\" \/>\n\t<meta property=\"og:image:height\" content=\"423\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Gaurav Rastogi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gaurav Rastogi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"A simple Do It Yourself (D.I.Y) investment framework - 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