- Hold 5 or 6 debt oriented MFs - select MIPs, short term bond funds and liquid funds. I expect around 8% from these investments. Around 33% is in debt and 66% is in equity.
Later, I intend to spend some serious amount of time to understand the debt markets. When Gilt funds & long term bond funds earn 30% in a single year, I just cannot ignore it. Keeping track of historic home loan interest rates (bond value goes up as interest rates fall) will be a good start for coming up with a plan.
- After the rejig, I expect the dividend yield to be around 2.5% - it is poor right now because of legacy stocks. But new acquisitions have a yield in excess of 5%.
- Rental yields for real estate is generally 4 to 5%.
- My wife first did the basic research of stock screening, growth rates, dividend payouts etc. Once I got the list of candidates, I spent about an hour researching a stock before buying. I checked the company's website to understand the business and read the first 20 pages of the annual report till the 'management and discussion analysis'. I stop reading when the financial numbers start.
From now on, no need to spend time tracking the 92 stocks except for checking out the quarterly results. Just need to keep an eye on the sell indicators (past high & low PEs, past high & low div yields etc), which my in-house (literally) research "team" will take care of.
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The SRF moment has passed for now i guess.......
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