M. Pattabiraman's Blog, page 118

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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How secure is your financial life? A Self-Evaluation Checklist

Here are a set of questions to determine how secure your financial life is. Personal finance is all about protecting our family against extreme situations (aka outlier risks). Everything we do, buying insurance, saving, investing etc., falls under this protection act. So let us get started. Don’t worry if you answer “no” or “not yet”...

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Why do we need debt funds? Is PPF, EPF and SSY not enough?

A reader asks, “I’m unable to understand the need to venture into debt funds for my needs. What are the advantages they offer on the alternatives for the long term – PPF, EPF, SSY etc.? I’m primarily saving for retirement, and currently, almost all of my debt part is into epf and ppf (about 50%...

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Has anyone ever gotten rich using mutual funds?

“Has anyone ever gotten rich using mutual funds?”. You may have seen this question do the rounds on social media and personal financial forums from time to time. This is asked by two sets of people. (1) Those who wish to push other products: Insurance, stock advisory services or a PMS and (2) young investors...

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Fund profile: SBI Magnum Ultra Short Duration Fund

We profile debt mutual funds from time to time in our fund profile section. This time we consider SBI Magnum Ultra Short Duration Fund.  Launched in May 1999, the fund currently has an AUM of Rs. 12,513 Crores. What is an ultra-short duration fund? Ultra-short duration funds are defined as “investment in Debt & Money Market instruments...

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List of Equity Index Funds in India

This is the list of equity index funds in India with AUM and expense ratios as of Aug 21st 2022. This includes ongoing and forthcoming NFOs at the time of writing. This list is only for reference. For investment recommendations, see: Handpicked List of Mutual Funds Jul-Sep 2022 (PlumbLine). Readers may know that we publish...

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How to plan for retirement in nine steps – a beginner’

We break down the retirement planning process into nine simple steps for a beginner to get started. We shall assume retirement is 25 years away. Step one: Have a clear goal: Why the money is needed and when it is needed are already part of the question. So 25% of the question is already answered!...

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How to plan for retirement in nine steps – a beginner’s guide

We break down the retirement planning process into nine simple steps for a beginner to get started. We shall assume retirement is 25 years away. Step one: Have a clear goal: Why the money is needed and when it is needed are already part of the question. So 25% of the question is already answered!...

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Equity Mutual Fund Screener Sep 2022: Shortlist consistent performers

The freefincal Equity Mutual Fund Performance Screener (Sep 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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