M. Pattabiraman's Blog, page 137

Retirement planning case study: Helping Somnath retire by 55

Somnath is 30 and salaried and hopes to retire by 55. In this case study, we shall find out how he can plan for financial freedom in retirement.  That is, we shall find out how Somnath can derive an...



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Parag Parikh Flexi Cap Reopens: What investors need to know

Days after we predicted (for once rightly!) “Parag Parikh AMC might rethink their foreign equity investment strategy. After all, the flexicap is their flagship fund and main profit source. They...



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Basics: What is the difference between risk and volatility?

In this article, we discuss the difference between risk and volatility and why one must not misinterpret the difference! What is risk? Risk can be defined as any factor that can result in a loss of...



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What they don’t tell you about the “emergency fund”!

The emergency fund or a stash of money that is meant to handle unexpected expenses is one of the building blocks of personal money management. Yet, many aspects of it are not obvious unless we have...



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AUM of passive funds have increased by 3868% in the last 10 years!

In this article, we trace the growth of passive fund AUM in India over the last 10 years. Since 2015, the EPFO is a major investor in the Nifty and Sensex ETFs run by SBI and UTI. So we shall exclude...



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How to help our life partner manage money in our absence

In this article, we discuss how to set up a guide for our life partner or spouse to help them manage money in our absence. Let us call this the continuity kit. Absence here not only refers to the...



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Equity Mutual Fund Screener Mar 2022: Shortlist consistent performers

The freefincal Equity Mutual Fund Performance Screener (Mar 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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Financial Planning Case Study: A complex asset-allocation decision

The top three personal finance blunders are, not saving enough for retirement; making too high an allocation to equity; and using high-fee financial products/services. Case studies help to illustrate...



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Is it time to exit from Nifty Next 50?

Abhijit asks, “Sir, I have been investing in ICICI Nifty Next 50 Index fund for the past three years. I am shocked to learn that the index has failed to beat Nifty for the past 6 years. The...



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Where should I invest until Parag Parikh Flexi Cap Fund reopens?

As readers may be aware, other than existing SIPs, Parag Parikh Flexi Cap Fund is closed for subscriptions from Feb 1st 2022, to avoid breaching the overseas investment limit set by RBI. This...



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