M. Pattabiraman's Blog, page 170

685 investors rate their experience with SEBI registered fee-only advisors

We had recently surveyed clients of SEBI registered fee-only investment advisors and obtained 685 responses. These are the results and a discussion of key learnings. We thank everyone who has...



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Are hybrid mutual funds less risky than equity mutual funds?

Nearly three years have passed since mutual funds complied with the SEBI recategorization rules. We now have enough data to classify hybrid mutual funds in terms of their risk with respect to equity...



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At 46 why are you holding 60% equity for retirement?

Each time I publish an updated retirement asset allocation, I get asked this question: “At age 46, are you not holding too much equity?” In this article, I discuss a common misconception...



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RBI Repo Rate History

RBI Repo rate history from June 2000 to the present is presented in the table below. The repo rate is the rate at which RBI lends money to banks. It is an inflation and liquidity control measure.  A...



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There is more to retirement planning than building a large corpus!

All retirement planning discussions focus on beating inflation, investing enough and managing the corpus post-retirement. However, there is more to retirement planning than using calculators and...



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Seven investing mistakes that cost money and worse, time!

One of the most valuable life lessons we learn is the irreversibility of time. The arrow of time moves only in one direction, and every hour that has passed has passed on forever. Here are seven...



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Nifty Next 50 fails to beat Nifty for the last five years: Should I exit?

The Nifty Next 50 is a unique index. The index can provide joy and frustration in equal measure to its investors. At the time of writing, it has failed to beat the Nifty 50 for the last five years....



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How to arrange mutual funds in terms of their returns?

We received this interesting question from a reader who wishes to be anonymous: “There are too many categories of mutual funds. Is there a way by which we can arrange them in terms of their...



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How much should I set aside as an emergency fund?

Sunder asks, “dear Pattu Sir, I just finished the re-assemble (basics of money management series). You had discussed the importance of an emergency fund. May I know how much I should allocate...



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How to choose a gilt mutual fund

In this article, we provide a step-by-step guide to choose a gilt mutual fund. Gilt mutual funds are those that invest a minimum of 80% of their portfolio in government securities (Gsecs or gilts)....



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