M. Pattabiraman's Blog, page 10

ETF tracking error screener June 2025

This ETF screener is based on tracking errors and differences (ETF return minus index return). It will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is in following...

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Will Parag Parikh Flexi Cap Fund’s large AUM affect its performance?

In May 2025, the AUM of Parag Parikh Flexi Cap Fund crossed 1,00,000 Crores, making it the most popular active fund. Will this large AUM affect its performance? AUM vs. performance is a tricky subject, and it isn’t easy to draw useful conclusions. What we can say for sure is that AUM is likely to...

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Equity Mutual Fund Screener June 2025: Shortlist consistent performers

The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark, and spot mutual funds with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool...

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Should I invest in Income Plus Arbitrage Fund of Funds to lower tax liability?

As tax rules change, AMCS develop innovative ideas to attract customers. The latest move is creating a new type of fund of funds (FOF), an MF that invests in other MFs (from the same or different AMCs). Since debt mutual fund capital gains are always taxed at the slab rate, this new FOF creates a...

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National Pension Scheme Fund Screener June 2025: Shortlist consistent performers

This is a National Pension Scheme Fund Screener to shortlist consistently performing NPS schemes. You can also spot NPS schemes with a higher return than a benchmark at a lower risk. This is similar in design to the freefincal Equity Mutual Fund Performance Screener. Inside, you get discounted links to our robo advisory tool and...

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Will I get my money back if my mutual fund gets into trouble?

Whenever a mutual fund or an asset management company gets into trouble (bond defaults, front running, etc), some investors say, “They want their money back!” But will they get it? Some even believe SEBI will bail out investors. Is this true? The short answer is, nope! You had purchased units from the mutual fund company. When...

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Auditing my retirement portfolio for Mint Newspapers Guru Portfolio

Mint Newspaper, led by Neil Borate, does a fabulous job reporting and educating about personal finance and investing. In March 2024, Mint featured my retirement portfolio: You only need a fund where returns remain consistent: Freefincal’s Pattabiraman. In June 2025, they published an update on the portfolio: Why Freefincal’s Pattabiraman doesn’t believe in beating the...

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Can I achieve 10 Crores in 15-20 years if I can invest Rs. 75K a month?

A reader says, “I want your insights regarding my investments”. Age:32 Profession: Consultant Emergency fund – building Term insurance – yes Health insurance – yes “Equity investments as of July 2024 – 12 lakhs (I’m not going to touch it anytime ). From next month, I can invest at least 75k, which is 50% of...

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How do we forecast returns on a diminishing retirement corpus?

A reader says, “How do we forecast returns on a diminishing retirement corpus? My corpus presently returns 13% annually. I have calculated my withdrawal rate in retirement as 2% per year. So, in theory, my corpus would increase by 11% per year in retirement! But, as the corpus starts depleting, I expect the returns will...

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Stocks with low volatility and momentum for June 2025

We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files available. (1) Stocks with low volatility and momentum from the BSE 100 large cap universe are available as a separate file (2) Stocks with low...

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