M. Pattabiraman's Blog, page 120
October 25, 2022
Can you review my debt mutual fund portfolio for a goal 14 years away?
A reader writes, “I am a happy beneficiary of robo template, FB group subscription and tactical buy sheets among hundreds of articles and video posts. Thank you. I have started saving for education expenses for my 2-year-old twins. In essence, a goal that is 14 years away”. “For the debt component, I had narrowed down...
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October 24, 2022
Momentum index fund: Will tactical entry/exit give better results?
A reader asks, “I recently read your review of Tata Nifty Midcap 150 Momentum 50 Index Fund. I wondered if tactical entry and exit with your double-moving average market timing model will provide better results than systematic investing with a momentum index fund. Can you please backtest this?” We can certainly backtest it, but India’s...
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October 23, 2022
Why not compare active mutual funds with index funds instead of benchmarks?
A reader asks, “One common trend I see in your analysis is that the active MFs are always considered against the benchmark indices and not index funds themselves. Why are active mutual fund returns compared with TRI (total return indices) and not index fund returns?” “Also, since index fund investment recommendation is limited only to...
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October 22, 2022
How much should I allocate to Small Cap Mutual Funds if I need money after 25 years?
In this article, we discuss a set of questions sent by a reader about a 25-year investment duration. Among these, he wishes to know how much should be allocated to small cap mutual funds. We address them in the order received. For a 25-year retirement goal, what will be your allocation percentage towards equity, gold...
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October 21, 2022
Gilt fund vs nationalized bank FD which has higher risk over 10 years?
A reader asks, “Which among the following two has higher credit risk? 1. Gilt fund (actively managed) or 2. FD in a nationalized bank? I need to choose one for a 10-year goal for the debt portion”. On the face of it, this might look like a trivial question to at least experienced investors. However,...
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October 20, 2022
Multi-asset mutual funds: performance analysis
We analyse the performance of multi-asset mutual funds in this article. This category is only four years old introduced by SEBI in 2018 with the re-categorization of mutual funds. Therefore we shall only look at the last 1,2,3, and 4-year trailing returns of multi-asset funds. According to SEBI, a multi-asset fund invests in at least three...
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October 19, 2022
Debt mutual fund screener (Oct 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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October 18, 2022
SBI Pension Fund Scheme E – NPS TIER I Performance Review
We review the performance consistency of SBI Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in June 2009 and currently has an AUM of little over Rs. nine thousand crores. Only the scheme from HDFC Pension has a higher AUM (in...
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October 17, 2022
These 31 stocks have been part of Nifty 50 for the last ten years!
This article analyses the historical Nifty 50 portfolio over the last ten years (Oct 2012 to Sep 2022). This data is not available or free on the NSE website, so we use the portfolio history of Nifty BeES ETF as a proxy. Eighty-four entities have been part o the Nifty 50 over the last ten...
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October 16, 2022
Why we badly need an aggressive hybrid index fund!
This article presents results from the Equity Mutual Fund Screener Sep 2022 and discusses why we badly need an aggressive hybrid index fund! We find out how easy/hard it is to consistently beat the CRISIL Hybrid 35+65 – Aggressive Index. The index comprises S&P BSE 200 TR(65%) and CRISIL Composite Bond Fund Index (35%). Disclaimer: Fund...
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