M. Pattabiraman's Blog, page 117

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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Here is why you need to start planning for retirement asap!

Over the last ten years, we have witnessed a big shift in how young earners manage money. Investing is getting popular instead of saving. Many more think of future money management (a better-sounding phrase than “retirement”) earlier than ever. However, not all of them sit down and do a proper retirement planning exercise. Here is...

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Is something wrong if I hold 25 mutual funds?

A reader asks, “I recently asked the members of a personal finance forum to review my  25 mutual fund portfolio. Everyone said that I held too many funds and that my portfolio resembled an expensive index fund. Is it wrong to hold that many funds? If so, what should I do?” They are right in...

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UTI Pension Fund Scheme E – NPS TIER I Performance Review

We review the performance consistency of UTI Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in May 2009 and currently has an AUM of about Rs. 1,423 crores, much lower than the corresponding AUM of HDFC and SBI equity schemes reviewed...

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What rate of inflation should I use for financial planning calculations?

A reader asks, “how do we decide the right rate of inflation to be used in financial planning calculations?” Let us first address the easy part: “What inflation rate NOT to use!” Financial planning is a personalized exercise. All inputs and assumptions should reflect our personal circumstances. Therefore the rate of inflation we assume has...

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Fund Profile: ICICI Prudential Savings Fund

In this edition of the debt fund profile, we look at ICICI Prudential Savings Fund. This is an open-ended Low Duration debt scheme investing in instruments such that the Macaulay duration of the Portfolio is between 6 months and 12 Months. The fund’s category, “Low Duration”, gives one the impression that it is suitable for...

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