Sunday, March 27, 2022

HIGH GROWTH PORTFOLIO

Creating a brand new portfolio with following allocation. This is a high growth portfolio and hence it is very important to dollar cost average it on weekly basis as the prices of these stocks will remain highly volatile. Most of these companies are in between 10 to 100 Billion dollar valuation and many of them will become Trillion Dollar companies in a couple of decade. 

Following 10 stocks each get 4% allocation: 

  1. SHOP
  2. SQ
  3. LRCX
  4. REGN
  5. SE
  6. UBER
  7. MELI
  8. PANW
  9. CRWD
  10. COIN

Following 10 stocks each get 3% allocation: 

  1. DASH
  2. ZM
  3. MDB
  4. ENPH
  5. CVNA
  6. HZNP
  7. BILL
  8. NIO
  9. HUBS
  10. GRMN

Following 10 stocks each get 2% allocation: 

  1. OKTA
  2. DOCU
  3. CHWY
  4. ETSY
  5. TTWO
  6. PINS
  7. ROKU
  8. PLUG
  9. PATH
  10. ZEN

Following 10 stocks each get 1% allocation: 

  1. DKNG
  2. DPZ
  3. AFRM
  4. HOOD
  5. TDOC
  6. TOST
  7. Z
  8. UPST
  9. FND
  10. PTON

Saturday, March 19, 2022

M1 Finance updated Portfolio's

 Following are the updated portfolio's for March 18 2022 to April 14 2022. 

Top 10 Stocks: 

  1. AVGO
  2. COST
  3. DKS
  4. ENPH
  5. HPQ
  6. HZNP
  7. PAYX
  8. POOL
  9. TMO
  10. URI
TOP 50 STOCKS:

  1. AAPL
  2. AKAM
  3. AMZN
  4. ANET
  5. ATKR
  6. AVGO
  7. BJ
  8. BLDR
  9. BOOT
  10. BYD
  11. CNXC
  12. COST
  13. CVS
  14. CYBR
  15. DKS
  16. ENPH
  17. FTNT
  18. GD
  19. HPQ
  20. HWM
  21. HZNP
  22. JNJ
  23. JNPR
  24. LHX
  25. LLY
  26. MCHP
  27. MOH
  28. MPWR
  29. MRVI
  30. MTDR
  31. NVDA
  32. ON
  33. PAYX
  34. POOL
  35. PWR
  36. ROKU
  37. RS
  38. SEAS
  39. SNX
  40. TGT
  41. TMO
  42. TMUS
  43. TSCO
  44. TSLA
  45. ULTA
  46. UPS
  47. URI
  48. WEX
  49. WWD
  50. ZI
TREND PORTFOLIO: 

  1. ABBV
  2. ABC
  3. ADM
  4. AXP
  5. BBBY
  6. BG
  7. BMBL
  8. BMY
  9. CDNS
  10. CELH
  11. CF
  12. CHKP
  13. CHPT
  14. CNC
  15. CRWD
  16. CSIQ
  17. DLO
  18. DLTR
  19. EXPE
  20. GOLD
  21. GRMN
  22. HIMX
  23. HSIC
  24. IBM
  25. JAZZ
  26. JOBY
  27. LDOS
  28. LMT
  29. LYB
  30. MOS
  31. MPC
  32. MRVL
  33. NBR
  34. NOW
  35. PANW
  36. PLUG
  37. PSTG
  38. QGEN
  39. REGN
  40. S
  41. SEDG
  42. SPCE
  43. SPLK
  44. SQ
  45. SRPT
  46. TECK
  47. VRTX
  48. WSO
  49. ZIM
  50. ZION
FAVORITES STOCK PORTFOLIO: 

  1. ABNB
  2. AFRM
  3. ASAN
  4. BA
  5. BABA
  6. BC
  7. BIDU
  8. BILL
  9. BL
  10. CCL
  11. CGC
  12. CHWY
  13. COF
  14. CRM
  15. CROX
  16. CVNA
  17. DAL
  18. DASH
  19. DBX
  20. DIS
  21. DISCA
  22. DKNG
  23. FBHS
  24. FND
  25. FOUR
  26. HLT
  27. HUBS
  28. LRCX
  29. LULU
  30. LYFT
  31. MAR
  32. MELI
  33. NET
  34. NFLX
  35. OKTA
  36. PARA
  37. PINS
  38. PLTR
  39. PTON
  40. PYPL
  41. SHOP
  42. TDOC
  43. TWTR
  44. UBER
  45. UPST
  46. V
  47. WYNN
  48. YNDX
  49. Z
  50. ZEN
RISKY PORTFOLIO:
  1. ABT
  2. AI
  3. ALK
  4. ALLY
  5. AMBA
  6. AMGN
  7. ARE
  8. AVTR
  9. BBY
  10. BDX
  11. BEAM
  12. BURL
  13. C
  14. CFG
  15. CHGG
  16. CMG
  17. CPE
  18. CPRI
  19. CTXS
  20. DDOG
  21. DFS
  22. DNUT
  23. DOCS
  24. DOX
  25. DWAC
  26. DXCM
  27. EDIT
  28. EMN
  29. ESTC
  30. ETSY
  31. FANG
  32. FB
  33. FCEL
  34. FROG
  35. FVRR
  36. GLW
  37. H
  38. HON
  39. HOOD
  40. INTC
  41. KR
  42. LITE
  43. LNC
  44. LOVE
  45. LSPD
  46. LZ
  47. MARA
  48. MDB
  49. MGNI
  50. MQ
  51. MRNA
  52. MSTR
  53. MTCH
  54. MTTR
  55. MU
  56. NIO
  57. NKE
  58. NLOK
  59. NTAP
  60. ORLY
  61. PACB
  62. PAGS
  63. PATH
  64. PENN
  65. PFGC
  66. PII
  67. PKI
  68. PLAY
  69. QS
  70. RF
  71. RH
  72. RUN
  73. SABR
  74. SAM
  75. SBUX
  76. SE
  77. SGEN
  78. SIVB
  79. SIX
  80. SKX
  81. SKY
  82. SLB
  83. SNAP
  84. SPOT
  85. STX
  86. STZ
  87. TAK
  88. TAP
  89. TDC
  90. TNDM
  91. TPR
  92. TTD
  93. TV
  94. UI
  95. VIRT
  96. WM
  97. YOU
  98. ZBRA
  99. ZIP
  100. ZTS

Friday, March 18, 2022

My dream food menu for the entire week

 

Dream Food Weekly Menu


Monday 


8 am: Methi Thepla - Tea - 2 Bread Butter Toasted


1 pm: 4 Roti, Okra, Salad, Buttermilk, Dal, Rice


5 pm: Mumbai style Toast Sandwich


8.30 PM : Khichdi, Kadhi


11.30 PM: Apple, Almonds



TUESDAY:


8 am: Alu Paratha, Tea, Croissant


1 PM: Paneer Makhanwala, Butter Naan, Buttermilk, Salad


5 PM: Dabeli


8.30 PM: Jeera Rice, Dal Fry Tadka, Fried Papad


11.30 PM: Cherries, Walnut


WEDNESDAY:


8 am: Masala Egg Omelette, Tea, Toasted Bread with butter


1 pm: Daal Baati 


5 PM: Misal Pav


8.30 PM: Triple Schezwan Rice, 


11.30 PM: Cassata Icecream, Salted Peanuts. 


THURSDAY:


8 am: Rava Upma, Tea, Mango Pickle


1 pm: Fettuccine Alfredo, Garlic Bread, 


5 PM: Vada Pav, Thumbs Up


8.30 PM: Masala Dosa, Onion Chilly Uttapam 

Coconut Chutney, Sambhar


11.30 PM: Watermelon, Salted Cashews. 


FRIDAY:


8 am: Blueberry Bagel with Cream Cheese 

Coffee


1 pm: Kathiyavadi Thali - Undhiyu - Poori


5 pm: Sev Puri, Bhel Puri


8.30 pm: Cut Mirchi, Goat Biryani, Stella Beer


11.30 pm: Black Label on the rocks, 


Saturday:


8 am: Sandwich Dhokla, Tea, 


1 pm: Chole Bhature, 


5 pm: Dal Vada, Fried Green Chillies


8.30 PM: Buffalo Wild Wings - Chicken Wings. Blazing & Mango Herbanano, French Fries, 


11.30 PM: Mojito, Long Island Iced Tea. 



Sunday:


8am: Fafda, Jalebi, Samosa


1 pm: Dal Dhokli, Rice, Papad


5 pm: Veg Frankie, Sandwich Pudla. 


8.30 pm: Pav Bhaji, Khada Rice, Masala Pav 


11.30 Pm Cold Milk, Turmeric, Honey. 








Monday, February 21, 2022

FEB 18 UPDATE ON M1 FINANCE PORTFOLIOS

Summary of the results based on time frame from Jan 21-2022 to Feb 18 2022: 

Top 10 Picks gained 4.30% compare to SPY performance of negative 0.85%.

Big winners were: ABNB, BKNG, LYFT and ZIM. 



Top 50 stocks picked gained 2.67%. Big winners were: ABNB, AXP, BKNG, CCL, CF, DAL, DISCA, EXPE, H, LYFT, ZIM and ZION. 

Trend portfolio was up 3.94%. Big Winners were: ADM, ALK, DWAC, FOX, GOLD, MOS, PII, SABR and SLB. 

Both Favorites and Risky portfolio's were marginally down- however outperforming SPY. 

Following are some of the updates in all four portfolio's for next one month (till March 18, 2022):

Top 50 Stocks: 

  1. AAPL
  2. ABNB
  3. ALK
  4. AMZN
  5. ANET
  6. AVGO
  7. BIDU
  8. BILL
  9. BJ
  10. BLDR
  11. BMY
  12. BYD
  13. CF
  14. CHKP
  15. COMM
  16. CPB
  17. CPE
  18. CPRI
  19. DELL
  20. DFS
  21. DIS
  22. DISCA
  23. DLTR
  24. EMN
  25. GD
  26. HLT
  27. KHC
  28. LNC
  29. LYFT
  30. MOH
  31. MOS
  32. NLOK
  33. NTAP
  34. NVDA
  35. NWL
  36. ON
  37. ORLY
  38. PENN
  39. PII
  40. SIVB
  41. SIX
  42. SKX
  43. SLB
  44. STX
  45. TAK
  46. TECK
  47. TMUS
  48. UPS
  49. WWD
  50. ZEN

Trend Portfolio Update:

  1. ABBV
  2. ABC
  3. ADM
  4. ALLY
  5. AMBA
  6. ASAN
  7. ATKR
  8. AXP
  9. BDX
  10. BEAM
  11. BG
  12. CCL
  13. CHPT
  14. CNC
  15. CNXC
  16. COF
  17. CTXS
  18. DDOG
  19. EXPE
  20. FANG
  21. FTNT
  22. GLW
  23. H
  24. HIMX
  25. HSIC
  26. HWM
  27. JNPR
  28. LDOS
  29. LITE
  30. LMT
  31. LYV
  32. LZ
  33. MPWR
  34. NBR
  35. PACB
  36. PCAR
  37. PKI
  38. PLUG
  39. PSTG
  40. QGEN
  41. RF
  42. SKY
  43. SNAP
  44. PFGC
  45. TTD
  46. ULTA
  47. UPST
  48. ZI
  49. ZIM
  50. ZION

Favorites Stock Portfolio Updated: 

  1. BA
  2. BABA
  3. BBBY
  4. BC
  5. BMBL
  6. BURL
  7. C
  8. CELH
  9. CFG
  10. CGC
  11. COST
  12. CYBR
  13. DASH
  14. DKNG
  15. DLO
  16. DOCS
  17. DWAC
  18. ENPH
  19. FBHS
  20. FND
  21. FOUR
  22. GOLD
  23. HUBS
  24. HZNP
  25. MAR
  26. MU
  27. NFLX
  28. NKE
  29. PATH
  30. PLAY
  31. PTON
  32. PYPL
  33. RH
  34. SABR
  35. SEAS
  36. SPCE
  37. SQ
  38. SRPT
  39. TDC
  40. TDOC
  41. TPR
  42. TSCO
  43. TSLA
  44. UBER
  45. V
  46. VIRT
  47. WYNN
  48. YNDX
  49. YOU
  50. Z
Lastly, 100 stocks in the Risky Portfolio are: 

  1. ABT
  2. AMD
  3. AMGN
  4. APPS
  5. BAC
  6. BBY
  7. BKNG
  8. BUD
  9. CHD
  10. CHGG
  11. CHWY
  12. CMG
  13. CROX
  14. CRWD
  15. CSIQ
  16. CVNA
  17. CVS
  18. DAL
  19. DBX
  20. DDD
  21. DKS
  22. DOW
  23. DOX
  24. DPZ
  25. DXCM
  26. EA
  27. ERJ
  28. EXAS
  29. EXPI
  30. FCEL
  31. FDX
  32. FOX
  33. FUTU
  34. GDRX
  35. GRFS
  36. GRMN
  37. HON
  38. HOOD
  39. HPQ
  40. HUT
  41. IAC
  42. IBM
  43. INTC
  44. IRBT
  45. JAZZ
  46. JD
  47. JOBY
  48. KR
  49. LAZR
  50. LHX
  51. LPL
  52. LRCX
  53. LULU
  54. LYB
  55. MARA
  56. MDB
  57. MELI
  58. MGA
  59. MIDD
  60. MKC
  61. MRVI
  62. MS
  63. MSTR
  64. MTCH
  65. NET
  66. NIO
  67. NOW
  68. NTES
  69. PANW
  70. PEP
  71. PINS
  72. PLTR
  73. PUBM
  74. PVH
  75. QS
  76. REGN
  77. SAVA
  78. SBUX
  79. SE
  80. SEDG
  81. SHAK
  82. SNOW
  83. SPLK
  84. SPOT
  85. STZ
  86. TAP
  87. TGT
  88. TTWO
  89. TV
  90. TWLO
  91. TWTR
  92. URI
  93. VIAC
  94. VMW
  95. VRTX
  96. WAL
  97. WEX
  98. XPEV
  99. YUM
  100. ZS






Sunday, February 13, 2022

IPL 2022 Post Auction Thoughts

IPL 2022 Auction: 

Top 4: Mumbai, Delhi, Lucknow, Rajasthan:

Just missed: Kolkata, Chennai

Bottom 4: Bangalore, Punjab, Hyderabad, Gujarat. 

1) Mumbai: 


Likely XI: Rohit Sharma, Ishan Kishan, Surya Kumar Yadav, Dewlap Brevis, K.Pollard, T.David/D.Sams, J.Archer, M.Ashwin, J.Bumrah, B.Thampi, J.Unadkat


Reserved: T.Mills, F.Allen, 


Pros: Top 5 match winners with the bat, Lethal fast bowler combination at the top. 

Cons: Lack of bowling depth and variety.


2) Delhi: 


Likely XI: D.Warner, P.Shaw, M.Marsh, Mandeep Singh, R.Pant, K.Nagarkoti, Shardul Thakur, Axar Patel, A.Nortje, Mustafizur Rahman, Kuldeep Yadav. 


Reserved: C.Sakariya, K.S.Bharat, L.Ngidi, Sarfaraz Khan, R.Powell, Khaleel Ahmed. 


Pros: Excellent opening pair, great finisher, batting depth, match winners with the ball.

Cons: Reliable middle order batsman, lack of wicket taking bowler at the top. 


3) Lucknow: 


Likely XI: Quinton de Kock, K.L.Rahul, Manish Pandey, D.Hooda, M.Stoinis, J.Holder, Krunal Pandya, K.Gowtham, R.Bishnoi, Mark Wood, Avesh Khan.


Reserved: S.Nadeem, E.Lewis, D.Chameera.


Pros: Match winners at the top and experienced finishers. 

Cons: Depth Bowling


4) Rajasthan: 


Likely XI: Devdutt Padikkal, Yashasvi Jaiswal, Sanju Samson, Jos Buttler, S.Hetmyer, R.Parag, J.Neesham, R.Ashwin, T.Boult, Y.Chahal, Prasidh Krishna


Reserved: N.Coulter-Nile, R.Van Der Dussen, Karun Nair, N.Saini. 


Pros: Exciting young top batting order, Match winners with the ball (spin and pace)

Cons: Experienced finisher in both bat and bowl.



5) Kolkata: 


Likely XI: A.Rahane, A.Hales/S.Billings, N.Rana, S.Iyer, V.Iyer, A.Russell, P.Cummins, S.Narine, S.Mavi, U.Yadav, V.Chakravarthy.


Reserved: T.Southee, M.Nabi, 


Pro: Excellent bowling depth, Great late middle order batting. 

Cons: Lack of match winners on the top order batting line up.


6) Chennai: 


Likely XI: R.Gaikwad, R.Uthappa, Moeen Ali, A.Rayudu, MS Dhoni, S.Dube, R.Jadeja, D.Bravo, C.Jordan, D.Chahar, A.Milne


Reserved: M.Santner, 


Pros: Batting Depth & experienced leadership. 

Cons: Lack of winners in the top order batting line up and spin threat. 


7) Bangalore: 


Likely XI: Virat Kohli, Fat Du Plussis, G.Maxwell, D.Karthik, W.Hasaranga, H.Patel, Karn Sharma, S.Ahmed, J.Hazelwood, M.Siraj, S.Kaul. 


Reserved: J.Behrendorff, S.Rutherford, F.Allen


Pro: Great top order batting line up 

Cons: No Match winner in bowling department. 



8) Punjab: 


Likely XI: Shikhar Dhawan, Mayank Agarwal, J.Bairstow, Shahrukh Khan, Odean Smith, Liam Livingstone, H.Brar, K.Rabada, R.Chahar, Arshdeep Singh, Sandeep Sharma. 


Pros: Excellent Top 3 batsman, collection of above average decent talent. 

Cons: Lack of star power. 



9) Hyderabad: 


Likely XI: A.Markram, R.Tripathi, K.Williamson, N.Pooran, A.Samad, W.Sundar, M.Jansen, A.Sharma, Bhuvneshwar Kumar, Umran Malik, T.Natarajan.


Reserved: K.Tyagi, S.Gopal, S.Abbott, R.Shepherd.


Pros: Excellent middle order, Great Pace Attack.

Cons: Star Power at the top, lack of variety in bowling department.



10) Gujarat: 


Likely XI: Shubman Gill, Jason Roy, W.Saha, D.Miller, Hardik Pandya, R.Tewatia, J.Yadav, Rashid Khan, Lockie Ferguson, Mohd Shami, Varun Aaron.


Reserved: Y.Dayal, M.Wade, V.Shankar, Gurjeerat Mann, A.Joseph


Pros: Decent batting line up and match winners with the ball. 

Cons: Lack of experienced leadership.




Saturday, January 29, 2022

Ideal allocation of money

 This is not a financial advice, however based on my experience - if given a choice, I would like to breakdown total worth of money in the following high level six categories. 

  1. 25% in Real Estate (including the house you stay)
  2. 20% in Retirement Funds (401K, IRA etc)
  3. 20% in Stocks
  4. 20% in Cash Flow Business
  5. 10% in Cash
  6. 5% in Commodities
Real Estate - has the slowest rate of return (in developed countries), but also one of the most stable and risk free asset class. Hence the maximum allocation, but it grows painfully slowly and it is hard to sell in the time of need - or it takes time to sell so should limit it to 25%. 

People spend on an average more than half of their saved money in their last 10-15 years due to deteriorating health condition. Hence - its best to give second best allocation to retirement funds. As you age, it is also hard to find work or produce money. Plus these money has advantage on tax, so 20% allocation in 401K, IRA etc makes total sense. 

You should always have 6 to 12 month of your expenses saved in hard cash. Yes, you can use credit card etc if you need the money when you lose job, but it comes with the price of interest and hence saved money in the time of need is very much a necessity. After you saved 12 month of expense in cash - you can start putting that cash in some reliable source of safety, such as fixed deposits in bank (as good as cash), savings account or bonds or Dividend Paying stocks (which does not move a lot but gives 8 to 10% Dividend on monthly basis such as QYLD, RYLD (subject to market risk). 

5% in Commodities to cover up the inflation over the period of time. Before Crypto currency, most of these were Gold and Silver money, but now a days, it is best to allocate 1 to 3% of commodity allocation in either BitCoin or Ethereum. 

All of above methods would give roughly 5 to 10% return over the period of time. It is best to generate additional income through investing in cash flow generating businesses. Often - initially it is best to partner with like minded friends or relatives which gives 15-20% Return. 

Lastly, the riskiest asset class - Stock Market. There is no other asset class which will give you the craziest sounding returns like stock market. 10,000$ invested in Amazon or Netflix over the period of 30 years, would give you 20+ Million dollars. However it is hard to find great stocks out of 8000+ and it is also hard to keep them for longer duration. Imagine investing 10,000$ in Amazon and not selling it when it reached 1 million dollar. Also at times it is frustrating - Imagine investing in Apple company from 1982 and waiting for 20 years and wake up in 2002 to see you have lost 1000$ out of 10,000$ and if you sell it, only to see in next 20 years, that same 10,000$ giving 10 million dollars. So, there are countless such examples - but if you get it right, no other asset class will reward you like stock market. Your first 10,000$ though - best to invest it in exchange traded funds like SPY or QQQ and later on once you have spend enough time and acquired enough knowledge about the various businesses - buy the individual stocks. "Invest in you" is often the most rewarding strategy such as if you are shopping in COSTCO or buying Nike Shoes or purchasing Apple phone etc- so invest in the companies whose products or services you are familiar with and use it on daily or monthly or yearly basis. 

Sunday, January 23, 2022