Practical approach to sustainable wealth
Folks who have read this blog or know me, are already aware that I am a value investor at heart and a contrarian at that! My passion lies in uncovering hidden gems—investment ideas that go against the grain of popular opinion. This approach hasn’t been easy in recent years, as the market has often favored […]
It has become a tradition for me in the last days of a given year to take a stock of the year gone by through the lens of AVI family finances. These articles follow a fixed structure– I summarize our family financial journey for the year, make a commentary on the markets –highlighting a theme […]
In our journey to Financial Independence, I have been tracking three key metrics: Net worth, defined as total assets – total liability Accessible net worth, discounts equity in the primary residence, and Adjusted accessible net worth, which further discounts funds in retirement portfolio which are inaccessible without penalty until age 59. We achieved our first […]
I penned my thoughts on the above question in Oct of 2019, (see here) and am revisiting this question again as I recently came across the following reddit post. The author of the post presents (an interesting) mathematical reasoning to provide a financial justification to pay off mortgage early. The argument may seem correct when […]
It is the time of the year when I do an annual review of how AVI family performed financially. The progress report on years past can be seen under– 2019, 2020, 2021, 2022. Here is the summary report on how we did on various personal finance metrics that I like to track (as percent of […]
We returned from Cancun vacation last week. This vacation break was some what different from places and things we have been doing over the past several years– namely, children friendly destinations such as Disney or road trips to National Parks. As such not knowing much about popular tourist destinations such as Cancun, we were a […]
At the time of this writing, it is already known around the world that — Charlie Munger, long-time Buffett partner and legendary investor is dead! I wanted to commemorate today as a significant and bittersweet moment in the life of an investor like myself, whose journey has been profoundly enriched by the teachings and wisdom […]
Silicon Valley Bank (ticker SVB) has been in the news this week due to its recent troubles. Prior to Friday, I had never heard of this bank. However, on Thursday, I noticed several of my bank holdings were down greater than 5%. It seemed odd for the entire banking sector to be down suddenly. As […]
Berkshire letter landed today! As has been my tradition for the last several years, I pour over the letter and try to highlight my key takeaways! On Performance: Berkshire handily beat S&P 500 in 2022, producing annualized 4 % returns to negative 18.1 returns for S&P for the same year. On Disposition of Berkshire shareholders: […]
It has been nearly four months since I left my previous salaried job and gained complete ownership of my time. This break from full-time employment is the first time in over 20 years that I’ve taken a step back, and I have found it to be quite refreshing. Before analyzing the pros and cons of […]
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