M. Pattabiraman's Blog, page 137

I need a pension: Should I buy an annuity or a govt bond?

A reader wants to know, “Sir, I am about to retire (at age 55) and am looking for a pension. I essentially see two choices: Either buy an annuity plan from an insurer or buy a bond from the RBI...



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Is it possible to time entry and exit from gilt mutual funds for better returns?

In this article, we discuss the results of a tactical entry and exit strategy from gilt mutual funds and find out if it is more rewarding. Readers unfamiliar with gilt funds may consult our previous...



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How do I identify my passion before retiring early?

A reader writes, “I work only for money and have not identified my passion yet. I am not sure if I can identify it. I would also blame my character as I seek change quite too often. If I plan...



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Shortlist consistent equity mutual fund performers with this screener (May 2022)

The freefincal Equity Mutual Fund Performance Screener (May 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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How to benchmark your mutual fund portfolio

In this article, we explain how you can quickly and easily benchmark your equity mutual fund portfolio consisting of several mutual funds against an index fund (or ETF). Once you follow the steps...



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Axis MF front running: What should investors do?

At this point in time, what we know for sure in the Axis mutual front running case is minuscule compared to what we do not know. Social media is abuzz with all kinds of speculations/allegations about...



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FAQ: Which debt mutual fund should I choose to benefit from interest rate hike?

Several readers have asked us what their debt fund strategy should be in the wake of the interest rate hike by RBI. In this edition of FAQ, we discuss what debt mutual fund investors should do. Our...



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Which debt funds fell the most due to REPO rate hike?

In a move that surprised everyone, the RBI hiked the repo rate from 4% to 4.4%.  This means newer short-term bonds will have a higher interest rate. The market will expect longer-term bonds also to...



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Explained: Why did RBI increase the REPO rate? How will it impact debt mutual funds?

With consumer inflation close to 7 %, the reserve bank increased the rate at which it lends to banks from 4% to 4.4%. Why was this done and what are the implications for us? A simple explanation....



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How LIC annuity rates have changed over the last 20 years

In this article, we look at how LIC’s immediate annuity plan Jeevan Akshay’s annuity rates have over the last 20 years. This study was triggered while preparing a retirement planning...



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