M. Pattabiraman's Blog, page 116

How to plan for a financial goal: A step by step guide

This article discusses the most crucial steps in defining and planning for a financial goal. Only after the goal is defined should one consider products for investments. Sadly most investors have a product-first, plan-later approach. Some assume they do not have a financial goal and only want to create wealth. They need to find a...

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Stocks with low volatility and momentum for Dec 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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ELSS Mutual Funds: Eleven Consistent Performers

We study 40 ELSS funds to identify consistent performers when benchmarked with respect to the NIfty 200 Total Return Index (dividends included) using the freefincal equity mutual fund screener. Nifty 200 is a representative benchmark of the ELSS category in which funds are typically large cap oriented. Since it is market capitalization-weighted, the index returns...

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My experiences as a fee-only financial planner for the last 12 years

In this article, Melvin Joseph, one of India’s first fee-only financial planners and SEBI-registered investment advisors, shares his experiences over a 12-year career. While I was trying to build a list of fee-only financial planners in 2013, it was by sheer chance that I encountered Melvin Joseph’s post on Facebook. Someone had asked him about mutual...

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Should I invest in an international fund for my child’s education?

Many parents would like to know if they should include an international equity fund in their portfolio for their child’s education to account for currency depreciation against the US dollar. A discussion. The short answer to “Should I invest in an international fund for my child’s education?” is, that it is unnecessary. There is, however,...

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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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