Thoughts for the Intelligent Investor: To Educate, Enable and Enrich

Thanks for being here. My name is Ranjit Kulkarni.

The primary purpose of this blog is educating individual investors to form an investing framework, enable them to stick to the same and enrich their knowledge in their pursuit of financial independence over a lifetime.

If you are like most individual investors, you should decide to be (what Graham called in his legendary book The Intelligent Investor) a ‘Defensive’ investor, with your focus primarily around saving, asset allocation, diversification and rebalancing, and your purpose being average to thereabouts market returns with minimum effort and maximum peace of mind.

If you wish to put in the effort and are willing to do individual stock investing full time with the objective of surpassing average market returns (which is easier said than done) along with all its risks and potential rewards, then as Graham calls it you have taken up a difficult venture with no guarantee of success, and you should then decide to be an ‘Enterprising’ investor.

This blog hopes to provide both defensive and enterprising intelligent investors with some thoughts to muse on while they go about their investing journeys.

Readers can follow my blog posts via email by entering their email address in the box on the right corner.

In the column section, I sometimes comment on recent happenings related to investing using the voice of some characters you may meet in the writings in the column:
Jigneshbhai: My broker friend who understands investing and provides sage wisdom from time to time, though not always in black and white. Like in most things in life, he believes that the questions you ask are more important than the answers. And he rarely provides clear answers.
Swami:  My investor friend who often loses patience with his investments, with himself, and with the happenings around him – often leading to confusion. He often turns to my broker friend for answers, which he seldom gets.
The wealthy man in the sprawling bungalow: My old, rich neighbour who has been there and done that successfully in the world of investing. His wisdom is always cryptic and metaphorical, and he often talks in puzzles. Only Jigneshbhai seems to understand him, often leaving me and Swami scratching our heads.

Thanks for stopping by and hope you enjoy your stop here!


Recently, a publisher approached me to publish a collection of articles into a book – the details are below:

The title of the book is ‘Path to Financial Independence: Simple Strategies for the Individual Investor’, and it is published by Wisdom Village Publications, New Delhi.

Printed copies are available online on Amazon, Flipkart.
Link for print copy on Amazon.in (domestic) is here
Link for print copy on Amazon.com (international) is here
Link for print copy on Flipkart.com is here
eBook for Kindle is available on Amazon and the link is here



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