M. Pattabiraman's Blog, page 115
October 10, 2022
NPS Systematic Lump sum Withdrawal Rules Explained
The pension fund regulatory and development authority (PFRDA) the NPS regulator has released a draft proposal on implementing Systematic Lump sum Withdrawal (SLW) in the national pension scheme. The draft is open for comments/feedback until the 19th of Oct. This is an explanation of the proposed rules. Existing rules: After the age of 60, an...
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October 9, 2022
ETF tracking error screener October 2022
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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October 8, 2022
What I learnt from a 13 year midcap mutual fund SIP
I started an Rs. 500 SIP in Sundaram Midcap Fund (then known as Sundaram Select Midcap) for an extended family member’s higher education in Aug 2009. Here are some lessons on investment risk and reward from the investment. Kindly note that I do not count this investment as part of my net worth and have...
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October 7, 2022
Is the NPS Equity Scheme an index fund?
A common misconception among investors is that the National Pension Scheme (NPS) schemes are passively managed like an index fund. This is incorrect. In this article, we discuss the investment policy of NPS Equity (E) schemes as approved by the pension fund regulatory and development authority (PFRDA). The norms can be found on the public...
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October 6, 2022
Equity Mutual Fund Screener Oct 2022: Shortlist consistent performers
The freefincal Equity Mutual Fund Performance Screener (October 2022) 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 two courses:...
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October 5, 2022
Tata Nifty Midcap 150 Momentum 50 Index Fund Review
Tata Nifty Midcap 150 Momentum 50 Index Fund is an open-ended scheme tracking NIFTY Midcap 150 Momentum 50 Index. The fund is currently in its NFO period (4th to 17th Oct 2022). In this article, we analyse the performance of the underlying index. The Nifty Midcap150 Momentum 50 Index tracks the performance of the top...
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October 4, 2022
Only 42 out of 260 equity mutual funds consistently outperformed the Nifty 50!
A reader asked, “If we compare the performance of actively managed mutual funds across categories, how many of them have outperformed the Nifty 50 consistently?” Readers may be aware that we publish a monthly equity mutual funds performance consistency screener where each category has its own relevant benchmark. Let us now determine how many funds...
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October 3, 2022
Do not forget these steps after buying a term insurance policy!
Buying a term insurance policy is one of the first things to do in money management if you have dependents or if you wish to leave your networth to a person or organisation. Insurance purchase is a leap of faith resulting in a contract between the insurer and buyer based on trust. However, there is...
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October 2, 2022
Stocks with low volatility and momentum for OCT 2022
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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October 1, 2022
Why did PPF and SSY interest rates not increase despite a 0.5% REPO rate hike?
On 30th Sep 2022, the RBI increased the rate at which it lends money to commercial banks (the repo rate) from 5.4 % to 5.9%. See RBI repo rate history from June 2000 to the present. A reader asks, “why did the govt. not increase PPF and SSY interest rates?” The REPO rate is at...
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