Let me ask you a quick question. What if everyone stops working here and how would your money support for rest of your life. The obvious answer is the financial freedom talks such as returns, compounding, cryptocurrency, investing, saving, caggr, all these terminologies where since I was from tier four city, all these conversations were hyper techchnical to me.So slowly after after certain few uh few interactions with them I learned these are something of financial literacy which I have not been exposed to. ...

A very close family friend of ours was a national level footballer. For his company, he won lot of trophies and was acclaimed by spectators. But five years into retirement, his world collapsed.He went to depression. Why. Because he was broke. Broke because he did not know how to manage money.We send our children to school and they spend more than 15 odd years in school, sometimes even more. And in school they are taught a lot of subjects, history, geography, physics, literature. But one subject which they w ...

People want compounding without the boredom, patience, or volatility. That’s like wanting fitness without exercise. ...

[applause] [cheering] [applause] What if the biggest money thief in your life is you. Today we're going to talk about money. But first, when you saw the program, read the program for my talk, did you do a double take and think, is Bill Gates doing another TED talk.I know. I I missed it by one letter and a few bucks. And while I may not have billions of dollars like Mr.. Gates, I do have a briefcase full of $1 million in it. Who would like a briefcase with $1 million right now. Right.Whoa, whoa, whoa, whoa, ...

Core Viewpoint - The article emphasizes a personal investment strategy focused on growth and dividend income, aiming for an easy retirement through a portfolio that prioritizes compounding dividend income and growth [1]. Group 1: Investment Strategy - The strategy involves creating a portfolio that generates monthly dividend income, which is enhanced through dividend reinvestment and annual increases [1]. Group 2: Personal Approach - The author expresses that the article reflects personal opinions and is not intended as professional investment advice [2][3].

Core Insights - The article emphasizes the effectiveness of low-cost exchange-traded funds (ETFs) for long-term wealth creation through broad diversification and compounding returns over time [1][12] Vanguard's Position - Vanguard is recognized as a pioneer in index fund investing and maintains a cost leadership position in ETF management, benefiting from scale advantages and a unique ownership structure that incentivizes minimizing expenses [2] Vanguard S&P 500 ETF (VOO) - The Vanguard S&P 500 ETF tracks the S&P 500 index, providing exposure to approximately 500 large U.S. companies with a low expense ratio of 0.03%, resulting in minimal annual fees for investors [3][5] - The fund has delivered average annual returns of about 14.5% over the past decade, making it a recommended core holding for long-term portfolios [3][5] Vanguard Growth ETF (VUG) - The Vanguard Growth ETF focuses on large-cap growth companies, charging an annual expense of 0.04% and yielding approximately 0.4% in dividends, with average annual returns of around 17.4% over the past 10 years [6][8] - This fund is suitable for investors comfortable with growth stock volatility, primarily investing in technology and consumer discretionary sectors [8] Vanguard Information Technology ETF (VGT) - The Vanguard Information Technology ETF provides concentrated exposure to U.S. technology companies, charging an annual fee of 0.09% and yielding roughly 0.4%, with average annual returns of approximately 23% over the past decade [9][11] - The fund's focus on technology creates both opportunities and risks, as it can significantly outperform during tech market rallies but may also amplify losses during corrections [11] Portfolio Construction - Combining these three Vanguard funds allows for diversified exposure to different market segments while maintaining low costs, with the S&P 500 fund offering broad market participation, the growth fund focusing on reinvestment, and the technology fund providing sector-specific access [12][13]

Secrets of Millionaires1. They let boredom work in their favor.2. They don’t interrupt compounding.3. They invest through every crash.4. They treat patience as an edge.5. They don’t chase trends — they chase time. ...

Core Insights - Warren Buffett's investment strategies are often emulated, but individual investors face limitations in replicating his success due to lack of capital and control over investments [1][2] Group 1: Investment Strategies - Starting small is crucial; early investment, regardless of amount, benefits from compounding returns, exemplified by a $100 monthly investment growing to $15,593 over 10 years at a 5% annual rate [3] - Long-term investment is favored over frequent trading; Buffett advises buying investments that one would be comfortable holding for a decade, as longer investment horizons generally reduce the likelihood of losses [5] Group 2: Tools for Investment - Platforms like Acorns facilitate investment by rounding up purchases to the nearest dollar and investing the spare change, making it easier for individuals to contribute to their financial goals [4]

Company Overview - Medtronic plc is an American-Irish medical device and components company founded in 1949 in Minneapolis, MN [1] - The company moved its legal and executive headquarters to Dublin after acquiring Covidien in 2015 [1] Investment Philosophy - The approach to investing emphasizes the joy of compounding, the value of dividend reinvesting, and the principle of patient investing through various market conditions [1] - The strategy includes a mix of steady accumulation of high-quality assets along with high-risk/high-reward opportunities and transformative technologies [1] Personal Background - The individual behind the investment philosophy is an amateur investor with over 25 years of experience and a PhD from Brunel University [1] - The individual has been teaching at the college/university level for over 20 years and values learning from others [1]

Company Overview - Medtronic plc is an American-Irish medical device and components company founded in 1949 in Minneapolis, MN [1] - The company moved its legal and executive headquarters to Dublin after acquiring Covidien in 2015 [1] Investment Philosophy - The investment philosophy emphasizes the joy of compounding, the value of dividend reinvesting, and the principle of patient investing through various market conditions [1] - The approach combines steady accumulation of high-quality assets with high-risk/high-reward opportunities, underappreciated turnaround plays, and transformative technologies [1] Personal Background of the Investor - The investor describes themselves as an amateur, self-taught in investing with no formal education in the field [1] - They have over 20 years of teaching experience at the college/university level and hold a PhD from Brunel University [1]