M. Pattabiraman's Blog, page 100
February 25, 2023
Is a pension of 50% of the last drawn pay enough for retirement?
The higher EPS pension proposed for those eligible is approximately 50% of the last drawn pay, as is the norm in government establishments. However is this enough? The short answer is, nope! Here is a set of retirement planning slides that I used at investor workshops. The aim is to convey the importance of retirement...
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February 24, 2023
Are you really eligible for higher EPS pension? EPFO circular clarifies
Many EPFO subscribers who retired after Sep 1st 2014, or are still in service have the incorrect impression that they will automatically be eligible for higher EPS pension. This is incorrect, as clarified by the EPFO circular issued on Feb 20th 2023. According to point no 5 of the circular: “5. Therefore, in compliance of...
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February 23, 2023
Stock Portfolio Analysis: February 2023
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of...
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February 22, 2023
How to build a direct equity portfolio – Part 2
In this article, Vijay discusses guidelines on how to build a direct equity portfolio. This is the second part of the series. The first part is here: How to build a direct equity portfolio – Part 1. About the author: Vijay is an electronics engineer and management graduate (IIM Bangalore). He has worked as a...
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February 21, 2023
Is it not risky to rebalance from fixed income to equity when the market is down?
A viewer on our YouTube channel asks, “I understand goal setting and rebalancing is the key. But how prudent is it to take money out of fixed income and buy equity to rebalance when markets are going down? Are we not increasing the risk of the entire portfolio by doing so? Can you please explain...
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February 20, 2023
How to build a direct equity portfolio – Part 1
In the first of a two-part series, Vijay discusses how to build a direct equity portfolio. About the author: Vijay is an electronics engineer and management graduate (IIM Bangalore). He has worked as a technical expert in the automotive industry for the last 25 years. He has an active interest in subjects related to macro...
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February 19, 2023
Debt mutual fund screener (Feb 2023) for selection, tracking, learning
This is a debt mutual fund screener for fund selection, fund portfolio tracking and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking and PSU funds etc. The credit quality of the bonds in the portfolio and the bond maturity profile...
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February 18, 2023
Only 8 out of 207 active MFs outperformed Nifty 100 Low Volatility 30!
In this article, we evaluate the performance of 207 actively managed mutual funds across eight categories to identify consistent performers. Regular readers may be aware that we have proclaimed the benefits of low-volatility investing for a few years. See Nifty Low Volatility 50: A Benchmark Index to watch out for (July 2016). We publish a low volatility...
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February 17, 2023
80C investments we can continue in the new tax regime
The new tax regime is a game changer in Indian taxation. From 1s April 2023, we expect a large number of taxpayers, particularly young earners, high earners and those who have completed their home loan or have no need for one, to shift to the new regime. Even though section 80C is not valid in...
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List of debt index funds in India
There are two types of debt-based passive funds in India. (1) Target Maturity Funds, which would buy and hold an index portfolio and hold it until maturity, thereby reducing interest rate risk at the time of withdrawal. The credit risk in funds is also relatively low as they typically invest in gilts and state development...
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