M. Pattabiraman's Blog, page 16

Index fund tracking error screener April 2025

This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). It will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help them understand how tracking a midcap index or the Nifty 100 or 500 differs from tracking the Sensex or...

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What mutual fund would you recommend for investors with FOMO?

I was recently asked in an interview, “What mutual fund would you recommend for investors with FOMO (fear of missing out)?” A discussion. The short answer is that investors with FOMO can never be satisfied. They will always clutter their portfolio with the next shiny product they come across. Unless and until they tell themselves,...

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Is time in the market really better than timing the market?

All mutual fund investors would have come across the saying that time in the market is better than timing the market. But is this true? Yes, time in the market is 100% better than timing the market for AMCs and distributors. This ensures no break in fees or commissions.  But what about investors? There is...

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Is it wise to invest my entire retirement corpus in mutual funds and use SWPs?

A reader wanted to know if he could invest his entire retirement corpus in mutual funds (of varying risk) and draw an income from them via systematic withdrawal plans — a discussion. Short answer: It is silly to put 100% of a lifetime’s effort, toil and hard work into capital market-linked products. Diversify keeping safety...

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ETF tracking error screener April 2025

This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is...

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How much equity should I invest in for a long-term goal?

A young reader recently asked us, “How much equity should I invest in for a long term goal?” This is a tricky question to answer! On one corner is a technical answer: Using reasonable return expectations for equity and debt (after tax!) and considering the inflation for my goal, I can arrive at an approximate...

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Breaking Barriers That Hold Women Back From Financial Independence

Nine years ago, I resigned from my job at a private bank to pursue my MBA. During this time, I came across an online content and community forum called Women’s Web. I started writing content for them to make some pocket money during those two years.  About the author: Ayushi Mona Singh is a marketing leader...

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Tariff War: How to invest in current market conditions

Several readers have asked us how to invest as the market reacts to the US tariffs. Regular readers would know what our stance is. The following is for those new here. The short answer is that your investment strategy should be independent of “current market conditions” or events. If it is dependent, you need to...

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Equity Mutual Fund Screener April 2025: Shortlist consistent performers

The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark and spot mutual funds with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool...

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Your Future Self Will Thank You: Why Plan for Retirement Immediately

Broach the subject of retirement planning to a young earner, and you might get a response like, “I have just started earning. Let me enjoy life for a while and worry about this later.” When that “later” does arrive, it does so with its bag and baggage – home loan, car loan, older parents, older...

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