M. Pattabiraman's Blog, page 136

Don’t make this mistake while computing mutual fund SIP returns!

We discuss how to avoid a common mistake made by investors while computing mutual fund SIP returns. On 20th May 2021, the Sensex (price) index was 49,564.81. About 5 months later on 18th Oct 2021, it...



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Testing a double moving average market timing model with S&P 500 (Part 2)

We are studying the efficacy of a double moving average market timing model with different stock market indices.  We have already established that the model reasonably works (see links below) across...



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10 financial lessons from 10 years of blogging

Freefincal was founded in May 2012. So that makes 10 years of blogging, data analysis, research, reportage, call it what you will. These are 10 financial lessons learned over these 10 years. We thank...



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Testing a double moving average market timing model (part 1): Nasdaq 100

Starting today, we will study the efficacy of a double moving average market timing model with different stock market indices.  We have already established that the model reasonably works (see links...



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MF Q&A: My goal is 3Y away should I exit my equity mutual funds?

A reader writes, ” I am in a dilemma and need your advice. I am 3 years away from one of my financial goals. On analyzing my MF portfolio the peak value was in October 2021 and the markets have...



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Use this annuity ladder calculator to plan for retirement with multiple pension streams

Use this annuity ladder calculator to find out how to beat inflation after retirement using multiple income streams. We all appreciate the importance of a secure income (pension) after retirement....



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Index fund tracking error screener May 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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How to use income laddering with annuities to plan for retirement

In this article, we shall explain what is income laddering or annuity laddering and how to use it for retirement planning. In preparation for this article, we had earlier published a series of...



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My journey: From Rs. 30 bank balance to financial independence

In this edition of the reader story, we meet Anand Vaidya who had earlier explained how he used RBI Retail Direct to buy govt. bonds and create an income source. In this detailed article, he shares...



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How can I use my corpus to get a pension at the best return?

Yesterday we addressed the first part of a reader’s question: I need a pension: Should I buy an annuity or a govt bond? Today we will consider the second part: “how to buy a pension?...



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