M. Pattabiraman's Blog, page 123

Can I invest in SBI CRISIL IBX Gilt Index – June 2036 Fund for a long-term goal?

SBI CRISIL IBX Gilt Index – June 2036 is an open-ended Target Maturity Index Fund investing in constituents of the CRISIL IBX Gilt Index – June 2036 Index. We discuss if this new fund offer is suitable for a long-term portfolio. 1 What are Target Maturity Debt Funds? These are open-ended funds investing in various bonds...

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Stock Portfolio Analysis: Sep 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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Can I add 10-20% gold to my 15-year investment portfolio?

A reader asks, “Can I add 10% to 20% gold to my investment portfolio? My need is in 15 years? Is it possible to do backtest to find out how a portfolio with gold fares against a portfolio without gold? The short answer to this question is one can certainly add 10% to 20% of...

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Robo Advisory on Google Sheets: Create a complete financial plan!

The freefincal robo advisory tool is now available on Google Sheets. You can use it to plan from start to finish for retirement (early, normal, before and after), non-recurring financial goals (child education) and recurring financial goals (holidays, appliances etc.). The tool would help anyone from ages 18 to 80 plan their retirement with a...

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How much equity should I hold after retirement?

Many on the verge of retirement ask us, “how much equity should I hold after retirement?” This is a tough question to answer as it depends on the individual, but some general guidelines are possible. Asking this question on the verge of retirement with no prior market experience can be harmful. It is essential to...

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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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