M. Pattabiraman's Blog, page 105
March 12, 2023
ETF tracking error screener March 2023
This is an ETF screener based on tracking errors and tracking differences (ETF return minus index return). The screener 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...
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March 11, 2023
Why our children’s education is more important than our retirement planning
A reader was trying to convince his friend that retirement planning is the number one priority in investing. All others, including our children’s education, come next. He wrote to me looking for “logical support”, as he put it. He was, however, sorely disappointed with me for believing just the opposite. So this is my attempt...
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March 10, 2023
Is it time for performance linked fees in active mutual funds?
We have repeatedly shown that most active mutual funds struggle to beat category benchmarks. This is not just a trend seen in large cap funds – Active Large Cap Mutual Funds vs Nifty 100 performance analysis. Contrary to popular belief, the trend is also seen among mid cap funds as well – Only 3 out of...
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March 9, 2023
IDFC US Treasury Bond 0 to 1 year Fund of Fund Review
The IDFC US Treasury Bond 0 to 1-year Fund of Fund is an open-ended fund of fund scheme investing in units/shares of overseas Index Funds and/or ETFs which track an index with US treasury securities in the 0-1 year maturity range as its constituents. In this review, we analyse the performance of the underlying index...
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March 8, 2023
Active Large Cap Mutual Funds vs Nifty 100 performance analysis
In this article, we look at the trailing returns and rolling returns of actively managed large cap mutual funds vs Nifty 100 TRI using the Equity Mutual Fund Screener Feb 2023. Trailing returns refers to the last 1,2,3,4, and 5-year return as of Feb 3rd 2023 and rolling returns refer to every possible 1,2,3,4 and 5-year...
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March 7, 2023
Do you wish to buy Sovereign Gold Bonds for the wrong reasons?!
About 80% of those who ask us about Sovereign Gold Bonds want to buy them for the wrong reasons. I would wager that the number is about the same in the Facebook group Asan Ideas for Wealth, if not more. When not to buy Sovereign Gold Bonds! Those who want “some returns” from gold or...
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March 6, 2023
Equity Mutual Fund Screener Mar 2023: 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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March 5, 2023
I am about to retire, can I opt for a higher EPS pension?
A reader says, “I’m 57 and on the verge of retirement and in IT, can I opt for a higher EPS pension?” As regular readers may be aware, we have discussed this topic at some length: Higher EPS Pension: Should those who retired recently or are about to retire opt for it? Can I opt...
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March 4, 2023
Only 3 out of 28 mid cap MFs consistently beat Nifty Midcap 150!
There are 28 actively managed midcap mutual funds available for investment today. Out of these, 23 are older than five years. This article evaluates how these midcap mutual funds have fared against the Nifty Midcap 150 Total Returns Index. We found only three midcap mutual funds have outperformed the index consistently. Therefore it is a...
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March 3, 2023
How to handle mutual fund underperformers?
A reader asks, “How to decide whether to persist with or exit an underperforming equity fund? By switching too frequently, one may catch the bad periods of the funds and end up doing worse than all the funds tried. Persisting too long will, of course, hurt if the fund keeps underperforming”. “It is understood that...
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