M. Pattabiraman's Blog, page 124

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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Can we trust mutual fund AMCs? Is stock investing a better choice?

A reader asks, “I have been continuously investing in MF for the last 6+ years. My brother tells me to invest in direct equity instead of MF for the main reason that the fund manager’s decisions can be driven by their relationship with the company or some conflict of interest. I buy direct equity in...

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Index fund tracking error screener July 2022

This is an index fund screener based on tracking error and return difference wrt benchmarks. The screener will help a user evaluate how efficiently an index fund has tracked its underlying benchmark....



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Paytm Money’s BSE StAR Integration: What should investors do?

Paytm Money announced on July 4th 2022 that it will stop offering advisory, surrender its SEBI RIA license and become a broker for direct mutual funds via BSE StAR. So existing investors will have to...



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Why you need time, money and returns to beat inflation

The impact of inflation over the long term can be devastating to our finances as shown recently – Inflation has reduced Rs. One Lakh to just Rs. 5741 in 41 years! The only way to beat inflation...



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Equity Mutual Fund Screener July 2022: Shortlist consistent performers

The freefincal Equity Mutual Fund Performance Screener (July 2022) is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category &...



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What debt fund should I add to a long term investment portfolio?

A viewer on YouTube writes, “Hello sir, Firstly I just want to call out that your book “You can be rich too with goal-based investing” is just amazing. I have an investment...



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Who is eligible to pay tax only on 50% of income? Section 44ADA: presumptive taxation

The income tax department allows certain “professionals” to pay tax only on 50% of their total income on a presumptive basis under section 44ADA of the IT act (t&c apply)*. However,...



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Why does ITR2 set off long term capital loss with tax-free equity LTCG (< 1 lakh)

A few days ago, Suhas made an interesting observation in the Facebook group, Asan Ideas for Wealth: “I noticed that if we carried forward LTCL (long term capital loss) from previous years then...



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With markets down can I increase equity allocation by rebalancing?

A reader wants to know if he can now rebalance his portfolio by shifting funds from fixed income to equity since the market is down. A discussion. Yes, we think this market “correction”...



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