M. Pattabiraman's Blog, page 176

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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Eight consistent aggressive hybrid mutual fund performers

Here are eight aggressive hybrid mutual funds that have consistently beaten CRISIL Hybrid 35+65 – Aggressive Index. We also discuss their downside protection consistency and performance against...



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Please help if you are working with a fee-only financial advisor

Dear reader, if you are working with a SEBI registered fee-only advisor, kindly help by providing feedback on your experience with the engagement. More than investors have responded so far. This will...



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Beginner’s Guide To Financial Freedom

We present a beginner’s guide to financial freedom dispelling common myths and misunderstandings on the subject. 1 What is financial freedom (FF)? A period of time when a person is not...



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