M. Pattabiraman's Blog, page 172

Why SIP or lump sum investing need not be stopped when markets hit all-time highs!

Each time the market hits an all-time high, several investors get jittery and start wondering if they should stop their SIP investments or delay their lump sum investment (including STPs). Here is...



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How index funds are a game changer in low-cost financial planning

Regular readers may be aware that we have maintained a list of SEBI registered fee-only financial advisors for the last the seven years. Hundreds of our readers work with these advisors receiving...



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Scared to stop 50K insurance premium & invest in equity MFs: What should I do?

Many of us have in this situation before. A reader who wishes to be anonymous writes, “Dear Pattu Sir, I need help with two issues. First, I understand why we should not mix insurance and...



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Is financial freedom an impossible dream for those working in non-IT jobs?

Raghu asks, “Dear Pattu Sir, I have just started my career as a school teacher in a tier II city. I also take tuitions to supplement my income. Thanks to our families frugal existences and...



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How to teach kids about saving money

Sometime last year, I was on a Zoom call with a few school friends. While we were discussing the good old days and how the school system worked differently for all of us, we stumbled upon the idea of...



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Can we use an aggressive hybrid mutual fund as a one-fund portfolio?

Sriram asks, “Instead of separately investing in equity mutual funds and fixed income and then worry about rebalancing and pay taxes, why not use just one aggressive hybrid mutual fund for long...



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Stocks with low volatility and momentum for June 2021

Here is a list of stocks with low volatility and momentum for June 2021 from the Nifty 100. You can also get the historical data from March 2019 to June 2021.  We filter Nifty 100 for (1) positive...



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Which mutual funds should we use for 3-5 year financial goals?

In this article, let us discuss which categories of mutual funds we can use for 3-5 year financial goals in response to a question on our YouTube channel. We had recently discussed which equity...



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Should I stop investments since RBI has declared risk of stock market bubble

On May 27th 2020, the Reserve Bank of India released its annual report for 2020-2021.  On page 93 (II. Economic Review), a section titled, “Is the Bubble in Stock Markets Rational?”...



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How to invest in mutual funds if we have multiple goals?

In a Q and A session held on our Youtube channel yesterday (linked below), we encountered two similar questions: Kohila asks, “we have two goals, retirement, our son’s education which is...



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