M. Pattabiraman's Blog, page 117

Six equity index fund model portfolios

This article lists six model equity portfolios by combining different equity index funds. We now have both the evidence and the variety to create such portfolios. We have mentioned several times in the past that index funds are the way to go for new mutual fund investors. Even in the mid cap and small cap...

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List of investments suitable for building a retirement bucket strategy

A reader asks, “What are the best options for Income bucket investments?” This a reference to our retirement bucket strategy. So we shall list all possible investments suitable for building retirement buckets. A bucket strategy is a post-retirement investment plan to manage inflation-protected withdrawals (income) and investment for the near-term and long-term. So we have...

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Debt mutual fund screener (Sep 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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Why we purchased United India Super Top Up Policy with 95 lakhs sum insured

United has recently made significant changes to its Family Medicare Policy and Super Top-Up Medicare Policy. I discuss why we purchased the revised top-up cover with Rs. 95 lakhs sum insured in this article. If you are looking to buy base or super top-up health insurance, this may be useful: Select the right health insurance...

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What is the retirement corpus required to draw Rs. one lakh a month as income?

A reader asks, “I am 50 years old and plan to retire next year. My yearly expense is Rs. 12 lakhs. What is the corpus required to sustain 35 years in retirement?” The Rs. 12 lakhs annual expense (or Rs. one lakh a month) is only for the first year of retirement. For each subsequent...

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My salary is low, is financial independence an impossible dream for me?

A reader asks, “I recently read your mutual fund investment journey. I then read similar stories shared by readers about their financial independence. One common feature in all these stories is the high salaries involved. My salary is quite low (I am ashamed to disclose it). I don’t see any immediate prospects of increasing it”....

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Index fund tracking error screener September 2022

This is an index fund screener based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help a understand how tracking a midcap index or the Nifty 100, 500 is quite different from tracking...

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Plot the growth of your mutual fund portfolio with this Google Sheet!

A mutual fund portfolio growth visualiser is now available as an add-on module for our Google sheet-based mutual fund and stock investment tracker. Key features of the portfolio growth visualiser module Requires either the mutual fund or mutual fund + stock investment tracker. (see features below) This is an add-on module to the existing tracker...

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Worried about equity mutual fund returns? Four tips to stay invested

A reader writes, “Sir, you have mentioned several times that equity mutual fund investing comes with no guarantees. I find this quite unsettling. Each time the market falls, I feel worried and am in two minds about investing. My mind tells me to stay invested, but my heart is worried. Please advise.” It is true...

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ETF tracking error screener Sep 2022

This is an ETF screener based on tracking errors and tracking differences (ETF return minus index return). The screener will help a user evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is simply the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient...

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