M. Pattabiraman's Blog, page 129
July 28, 2022
Ten Index funds with the largest return deviation over the past year
In this article, we tabulate index funds with the largest deviation in 1Y return (trailing as of 8th July 2022) from their corresponding indices. Regular readers may be aware that the most practical way to evaluate how efficiently an index fund is tracking its index is not the tracking error” but the return difference. For...
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July 27, 2022
Financial planning lessons from a lemon spoon race
In this article, Srivatsan (a regular and popular freefincal guest author) offers a different take on the lemon spoon race video which recently went viral. Srivatsan, who would only like to be referred to as a “long-time reader” of freefincal has written several articles here before and is responsible for adding the Earnings power box...
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July 26, 2022
Thanks to AIS I found my tenant was claiming twice the actual rent as HRA!
A friend (who prefers anonymity) was reviewing his AIS (annual income statement) before filing ITR to ensure there is no disparity between the two. He was shocked to see that rental income reported in AIS was twice what he was actually receiving! The tenant was only paying him Rs. X per year as rent but...
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July 25, 2022
Stock Portfolio Analysis: July 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. Before we begin, investors need to appreciate the context of these investments. I started direct equity investing only after achieving a comfortable level of financial independence and ensuring my son’s future...
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July 24, 2022
UTI Gilt Fund with 10 year Constant Duration: Is this a right time to invest?
UTI Gilt Fund with 10-year Constant Duration is an open-ended debt scheme that invests predominantly in government securities issued by central and state governments. The weighted average portfolio maturity will be maintained at around ten years. A reader wants to know if this is the right time to buy such a product. Also, The fund...
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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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