M. Pattabiraman's Blog, page 132

When should I pay tax after redeeming from mutual funds or shares?

A reader asks, “Can you please write an article on when an investor should capital gains tax after redeeming from mutual funds or shares? That is, which time of the financial year. Should I pay...



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Waiting for market recovery is not the solution for all equity MF investors!

A few days ago Sensex and Nifty experienced their first negative yearly return. Many new equity mutual fund investors are worried and wonder what to do. The standard answer to this in social media...



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87A tax rebate benefits are lost if non-taxable MF LTCG is added in ITR!

A viewer on our YouTube channel asks, “I have a net taxable income of around 4.8L( excluding LTGC, after all the deductions) and LTGC( from Equity MF ) of 37k. So the problem I am facing is...



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Handpicked List of Mutual Funds Jul-Sep 2022 (PlumbLine)

These are the freefincal handpicked list of mutual funds for July-Sept 2022. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has...



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I want to travel abroad on holiday every two years – how do I plan for this?

A reader asks, “Sir, I love travelling and would like to go abroad on holiday once in two years. How do I plan for this without affecting my other long-term investments? When we went this...



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Stock Portfolio Analysis: June 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...



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Can we use Balanced Advantage Funds as a one-fund portfolio and save on rebalancing tax?

A reader asks, “I understood the importance of asset allocation/annual rebalancing exercise from your old article. I see the below text by one of the leading BAFs (see link below) – When...



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I am shocked to see my target retirement corpus – is there any hope for me?

Many readers are shocked to see the results of a retirement planning exercise. The target corpus required is too high relative to what they imagined and so is the required investment amount. This...



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A mutual fund SIP will not help you reduce risk when the market falls!

Many investors incorrectly believe that a mutual fund SIP is a “strategy to reduce risk”. Unfortunately, this is not the case. A SIP is merely an automated way to buy mutual fund units on...



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Can we use returns to classify mutual funds in terms of risk?

Mutual fund NAV risk is measured using the standard deviation. This can be thought of as the average deviation of a monthly return from the average monthly return. Higher the value, the higher the...



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