{"id":5974,"date":"2023-11-26T19:24:56","date_gmt":"2023-11-26T13:54:56","guid":{"rendered":"https:\/\/dushyantnomics.com\/?p=5974"},"modified":"2024-04-17T10:21:04","modified_gmt":"2024-04-17T04:51:04","slug":"bogleheads-investing-indian","status":"publish","type":"post","link":"https:\/\/dushyantnomics.com\/bogleheads-investing-indian\/","title":{"rendered":"Bogleheads Investing for Indians"},"content":{"rendered":"\n

This article aims to customize the bogleheads investing philosophy for Indians, given the unique investing landscape in India.<\/p>\n\n\n\n

If you are aiming for Financial Independence & Retire Early in India<\/a> or just getting started with investing, the lessons from Jack Bogle are invaluable.<\/p>\n\n\n\n

I am personally a big fan of the bogleheads investing philosophy<\/a>. It has guided my own investing journey over the years.<\/p>\n\n\n\n

The guidelines for investing for early retirement in India<\/a> are inspired by the same mindset.<\/p>\n\n\n\n

There are certain elements of the bogleheads investing that are universal. They can be adopted as-is no matter where you live or invest.<\/p>\n\n\n\n

Living within your means, investing early and often is the bedrock of financial wellness<\/a>.<\/p>\n\n\n\n

There are some specific elements however that require an Indianized treatment.<\/p>\n\n\n\n

This is due to the various regulations, taxation, and other aspects of investing unique to India.<\/p>\n\n\n\n

Bogleheads Investing \u2013 With an Indian Twist<\/strong><\/h2>\n\n\n\n

The Indian investing and taxation landscape is constantly evolving. The changes are far more dynamic and rapid compared to the more mature markets.<\/p>\n\n\n\n

Let us look at the Indian investing landscape and how to adapt bogleheads investing for Indian conditions. <\/p>\n\n\n\n

Index Funds Versus ETFs<\/strong><\/h3>\n\n\n\n

US investors typically prefer ETFs over index funds due to inherent tax benefits of an ETF.<\/p>\n\n\n\n

However, in an Indian context both index funds and index ETFs get the same tax treatment.<\/p>\n\n\n\n

Therefore, you are much better off using passive index funds instead of ETFs in India.<\/p>\n\n\n\n

An index fund in India bought directly from fund companies has some major advantages vis-\u00e0-vis passive investing using ETFs.<\/p>\n\n\n\n

You do not need to open a demat account or incur any brokerage charges.<\/p>\n\n\n\n

You also do not suffer a spread between buying and selling prices each time you make a purchase.<\/p>\n\n\n\n

Buying an index fund in the direct mode is the most efficient way to execute the bogleheads investing model in an Indian context.<\/p>\n\n\n\n

Consider Market Depth & Liquidity<\/strong><\/h3>\n\n\n\n

India being an emerging market still does not have the market depth of more mature markets.<\/p>\n\n\n\n

The liquidity in stocks dips significantly once you go beyond the top 150-200 stocks by market capitalization.<\/p>\n\n\n\n

Therefore, there is a greater chance of tracking errors in case your passive fund portfolio holds more than 250 top stocks.<\/p>\n\n\n\n

A passive fund that includes smaller stocks is also likely to have a higher expense ratio.<\/p>\n\n\n\n

This goes against the bogleheads mantra of keeping your investing costs low.<\/p>\n\n\n\n

As a result, it is best to limit your exposure to the top 250 Indian stocks.<\/p>\n\n\n\n

This will still allow you to capture more than 90% of the total market capitalization of the Indian public markets.<\/p>\n\n\n\n

You do not need to replicate holding 500 odd stocks like the S&P 500.<\/p>\n\n\n\n

Fixed Income \/ Bonds<\/strong><\/h3>\n\n\n\n

Compared to the equity markets, the retail fixed income market in India is dominated by bank deposits.<\/p>\n\n\n\n

Most options for retail investors get taxed on an accrual basis even if you do not actually take out any income.<\/p>\n\n\n\n

This includes bank fixed deposits, small savings schemes and other bonds.<\/p>\n\n\n\n

As a result, your post tax returns are lower and offer limited tax planning opportunities.<\/p>\n\n\n\n

This is not a very efficient way to build a portfolio. The retail participation in fixed income mutual funds is very low.<\/p>\n\n\n\n

Mutual funds offer the opportunity to tax shelter your interest income till redemption.<\/p>\n\n\n\n

A mutual fund portfolio will even let you use the total portfolio approach to generate retirement income<\/a> when the time comes.<\/p>\n\n\n\n

This significantly helps the compounding that the bogleheads way of investing calls for.<\/p>\n\n\n\n

Limit your fixed income exposure to liquid funds or short-term mutual funds and stick to the growth option mode.<\/p>\n\n\n\n

Going beyond that timeframe is best avoided so that your fixed income portfolio can act as the hedge to your equity portfolio.<\/p>\n\n\n\n

Do not try to squeeze out any more returns from your fixed income holdings.<\/p>\n\n\n\n

The risk is simply not worth it.<\/p>\n\n\n\n

Access to International Stocks<\/strong><\/h3>\n\n\n\n

The bogleheads approach calls for holding just 3 funds as part of your portfolio.<\/p>\n\n\n\n

1 fund to hold local stocks, 1 fund to hold local bonds, and 1 fund to hold international stocks.<\/p>\n\n\n\n

This is the classic boglehead 3 fund lazy portfolio.<\/p>\n\n\n\n

That is all you need.<\/p>\n\n\n\n

In an Indian context finding and holding the first 2 types of these funds is easy.<\/p>\n\n\n\n

A Nifty50 fund gives you exposure to the largest domestic stocks. A liquid fund or a short-term fund can give you exposure to local bonds.<\/p>\n\n\n\n

The challenge comes in including foreign equity assets in your portfolio. This missing 3rd leg is not easy to address.<\/p>\n\n\n\n

Due to restrictions on currency outflows and unfavourable taxation it can be a struggle to build geographic diversity in your portfolio.<\/p>\n\n\n\n

There are several ways to get around this issue and get some diversification in your portfolio.<\/p>\n\n\n\n

None of these are perfect and you need to pick something that works in your specific situation.<\/p>\n\n\n\n

Gold<\/strong><\/h4>\n\n\n\n

Gold as an asset class can give you some level of diversification.<\/p>\n\n\n\n

The returns that you get in gold have a low correlation with local equities and bonds.<\/p>\n\n\n\n

As it is a global commodity, it can protect you against any future depreciation of the Indian rupee.<\/p>\n\n\n\n

Gold has been a go-to inflation hedge for many generations of Indians.<\/p>\n\n\n\n

You too can consider including gold as a portfolio diversifier.<\/p>\n\n\n\n

Liberalized Remittance Scheme<\/strong><\/h4>\n\n\n\n

You can open an account with a foreign broker and transfer funds using the liberalized remittance scheme.<\/p>\n\n\n\n

Thereafter you can purchase index funds \/ ETFs that trade on overseas exchanges.<\/p>\n\n\n\n

Of course, this only makes sense if you have sufficient funds at your disposal.<\/p>\n\n\n\n

Otherwise just the bank \/ brokerage charges can take away a substantial chunk of your funds.<\/p>\n\n\n\n

Indian Mutual Funds holding Foreign Assets<\/strong><\/h4>\n\n\n\n

Some Indian mutual funds do hold \/ invest in foreign assets.<\/p>\n\n\n\n

However, from time to time due to government restrictions they may not take in fresh funds.<\/p>\n\n\n\n

Keep abreast of government regulations and invest in such funds when the opportunity opens.<\/p>\n\n\n\n

Stick to Direct Funds<\/strong><\/h3>\n\n\n\n

As Jack Bogle famously said \u2013 In investing you get what you don\u2019t pay for. Costs Matter.<\/p>\n\n\n\n

Avoid using any financial products where the costs get inflated due to intermediary commissions.<\/p>\n\n\n\n

All fund companies in India have to compulsory offer direct funds that avoid commissions for any middleman.<\/p>\n\n\n\n

As a true boglehead you should always aim to buy products without any embedded commissions.<\/p>\n\n\n\n

If you need any financial assistance, then use the services of an independent fee only SEBI registered financial advisor.<\/p>\n\n\n\n

Avoid falling into the trap of a financial salesman posing as a financial advisor. Their incentives will not be aligned with yours.<\/p>\n\n\n\n

Bogleheads investing for Indians works as well as it does for anyone else. The principles are simple, easy to understand and follow.<\/p>\n\n\n\n

Self-discipline and keeping things simple helps.<\/p>\n\n\n\n

You can follow the ideas and customize them for Indian conditions.<\/p>\n\n\n\n

You can be rest assured that just by doing this you will likely outperform most professional investors over the decades to come.<\/p>\n","protected":false},"excerpt":{"rendered":"

This article aims to customize the bogleheads investing philosophy for Indians, given the unique investing landscape in India. If you are aiming for Financial Independence & Retire Early in India or just getting started with investing, the lessons from Jack Bogle are invaluable. I am personally a big fan of the bogleheads investing philosophy. It […]<\/p>\n","protected":false},"author":1,"featured_media":5973,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7],"tags":[],"yoast_head":"\nBogleheads Investing for Indians<\/title>\n<meta name=\"description\" content=\"How to customise the bogleheads investing philosophy for an Indian investor? 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