M. Pattabiraman's Blog, page 162

How ten years of tracking investments changed my life

As I opened my investment tracker spreadsheet for this month, I realised that I have been at it for the last ten years. This is how tracking investments have changed my life and why I strongly...



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Inflation has reduced Rs. one lakh to just Rs. 6000 in 40 years!

The cost inflation index for the financial year 2021-2022 was recently announced. We compile 40 years of cost inflation index data to understand the devastating consequences of inflation and why our...



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Cost Inflation Index in India from 1980 to current financial year

The cost inflation index in India is currently published with 2001-02 as the base year. It was earlier published with 1981-82 as the base year. You can find both data sets here. That is from 2001-02...



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Is it ok if 40% of stocks among my mutual funds are the same?

I get this kind of question a lot: There is a 30-40% overlap in the portfolios of my mutual funds. Is this okay, or should I change my funds? How much of a portfolio overlap is OK, and how much is...



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Can we use a credit card to pay for emergencies?

I am writing this after learning of two incidents where credit card payments for emergencies resulted in more expenses (interest payment). What is discussed is quite basic and should sound trivial...



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How much return can I get from Sovereign Gold Bonds?

With the Sovereign Gold Bonds, 2021-22 (Series IV) open for purchase from July 12-16, 2021, a reader asks, “how much return can I get from these bonds”? The only honest answer one can...



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Index fund tracking error screener July 2021

This is a  passive 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...



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DSP Value Fund Review

DSP Value Fund is an open-ended equity scheme following a value investment strategy. That is, it will try to buy “equity and equity-related or fixed income securities which are currently...



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Data sources for DIY Investing and Analysis

This is a list of free data sources that can be used for DIY investing and analysis. It is the culmination of years of searching – the fun and frustration of hunting for reliable information...



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Can I invest 50% in index funds and 50% in active funds?

Let us discuss a question from a reader who prefers anonymity: “Is it ok to invest in 50% index funds (passive funds) and 50% active funds for the equity portfolio in my retirement...



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