M. Pattabiraman's Blog, page 168

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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After 97% gain last year should we expect poor equity returns this year?

Sunder asks, “We all know that equity returns in the last financial year or last annual year were excellent. Does this mean we should mentally prepare ourselves for poor or even negative...



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