M. Pattabiraman's Blog, page 123
July 24, 2022
Share your personal finance journey with our community and inspire DIY investors!
We invite readers to share their personal finance journey as guest articles with our community. Your experience and lessons learned will serve as a great inspiration for the DIY investing community. If you prefer, the article will be published anonymously. We are grateful to readers for sharing intimate details about their financial lives for the...
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July 23, 2022
Prashant Jain report card: how consistently did he beat the market?
Prashant Jain, the CIO of HDFC mutual fund, has resigned after a 19-year stint. In this article. We evaluate the performance consistency of three of his funds, HDFC Top 100 Fund, HDFC Flexicap Fund and HDFC Balanced Advantage Fund. The world of mutual fund investing changes so fast that Prashant Jain’s track record of excellence...
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July 22, 2022
Is retirement planning guesswork? How can we be sure of the assumptions used?
A reader writes, “One of the big unknowns is the real expense during retirement. We can make an educated guess based on current living expenses etc, however, the surprises are likely to come and disrupt. Medical expenses are a big surprise – post a certain age, insurance is also not available. While hospitalization and treatment...
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July 21, 2022
Rupee cost averaging via SIP has no benefit other than accumulating MF units
We recently showed that a mutual fund SIP will not help you reduce risk when the market falls! Inspite of seeing data that rupee cost averaging will not reduce risk or enhance returns in any tangible way, many investors keep “talking” about the “averaging benefits of SIP”. In this article, we show further and repeated proof...
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July 20, 2022
DSP Nifty Midcap 150 Quality 50 Index Fund Review
DSP Nifty Midcap 150 Quality 50 Index Fund is a new offering from DSP tracking the Nifty Midcap 150 Quality 50 Index The NFO period ends July 29th 2022. Should investors consider this? A discussion. DSP already has an ETF based on this index launched in Dec 2021 with an AUM of 52 Crores. Regular...
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July 19, 2022
Avoid these mistakes if you are planning for early retirement
In this article, we discuss some common mistakes that should be avoided while planning for early retirement. What is early retirement? This typically means quitting a salaried job to do what a person loves (for free or otherwise). Today 55 is the normal retirement age. So early retirement is approximately 45 years or earlier. See;...
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July 18, 2022
The “active vs passive” debate is not of primary importance in portfolio management
The prominence of index funds and ETFs in the last few years due to their visible outperformance has resulted in a heated active vs passive debate on social media, personal finance forums etc. While cost, the underperformance of active management, simplicity of fund maintenance etc are all important factors they are not of primary importance...
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July 17, 2022
Debt mutual fund screener (July 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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July 16, 2022
I retire from the armed forces in 8 years can I be financially independent?
A member of the armed forces writes, ” Hello sir, I am a continuous follower of your financial advice and financial-related methods(YouTube and web).. thankful to you for all these practical and fact-based reviews and advice”. “Sir all of your retirement corpus planning or savings required for retirement are not mentioned whether they have a...
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July 15, 2022
I want to become a SEBI registered advisor but worried if I will succeed
A reader who prefers anonymity asks, “I would like to become a SEBI registered fee-only advisor. However many people in financial services have discouraged me. They either ask me to do something else or become a commission-based advisor or charge a fee based on the AUM of the client. I find these models unappealing. I...
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