M. Pattabiraman's Blog, page 110

Investors lose interest in Nifty Next 50 index funds

The Nifty Next 50 is a strange index. Although theoretically part of the large cap universe, due to large impact costs (significant difference between buy and sell price), its volatility is comparable to that of a mid cap index, as repeatedly pointed out by us: Warning! Nifty Next 50 is NOT a large cap index!...

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Nifty Bees ETF vs UTI Nifty Index Fund: Which is better?

A reader asks, “I cannot decide between Nippon India Nifty 50 Bees ETF and UTI Nifty 50 Index Fund. The ETF has a total expense ratio of 0.05%, while the index fund’s TER is 0.2%. My friends tell me that ETF is bound to outperform the index fund over the long term and that choosing...

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Enjoy year-end discounts on our courses and robo advisory tool!

Dear reader, The end of the year is the perfect time to plan and organise your finances and plan for the future. Use the links below to enjoy year-end discounts on our courses and robo-advisory tool! (1) Build a complete financial plan with our Robo Advisory Tool! Get the freefincal robo advisory tool to plan...

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I am scared of the stock market, can I manage with only 20% equity MFs for retirement?

A reader asks, “Sir, I have read several of your articles and noticed that you always recommend 50-60% equity for long term goals. I am 31 and wish to retire by 60. However,  I am extremely uncomfortable with stock market investing. So can you please let me know if I can manage with not more...

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Stock Portfolio Analysis: November 2022

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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Seven most successful ways to make money through a blog

In this article, CA Karan Batra shares seven practical and successful ways to make money through a blog based on his extensive experience. If you want to get started in this direction, check out some resources at the end of the article. About the author: Karan Batra is a chartered accountant and is regularly featured...

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How I achieved investing nirvana

In May 2021, we carried a reader story by Mr G – My net worth doubled in the last financial year thanks to patient investing! Mr G has kindly consented to provide an update and explain how the following financial year was one in which he achieved “investing nirvana”. About this series: I am grateful to...

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I plan to retire in 25 years what should be my safe withdrawal rate?

A reader asks, “Sir, I have been reading about the safe withdrawal rate in retirement planning. I am, however, surprised that you do not talk about it. Why is this so? Is there a way to calculate my safe withdrawal rate when I retire 25 years from now? I am presently 30″. What is a safe...

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Debt mutual fund screener (Nov 2022) 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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What is the best way to combine base and super top-up health insurance policies?

A reader writes, “Can you please write an article on the best way to combine a normal (base) health insurance policy with a super top-up policy? That is, how much should the base insurance be and how much the super top-up policy?” First let us point out some helpful resources for those looking to understand...

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