M. Pattabiraman's Blog, page 18
March 25, 2025
How I came out of F&O Addiction and depression to build wealth
Last Updated on March 26, 2025 at 6:15 am I’m Rajkumar, a 40-year-old professional who has been part of the hospitality industry since 2006. My investment journey began the same year, sparked by an early encounter with *Rich Dad Poor Dad* during my college days. Though the book ignited my curiosity, the equity markets truly...
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March 24, 2025
NPS vs UPS: Who should prefer what?
In this article, Dr Varunkumar Jayapaul, a faculty member at IIT Mandi, shares his thoughts on who should choose the National Pension Scheme (NPS) and who should choose the Unified Pension Scheme. Our NPS vs UPS coverage Revised UPS vs NPS Calculator after Jan 2025 Gazette Notification Unified Pension Scheme Formula Explained How does the...
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Planning for Retirement When You Don’t Earn Much
“My income is quite low. Is there any hope for me? How do I create a retirement corpus?” is a question we often receive. The rules of personal finance are the same regardless of income and net worth. Those earning less feel like they will never have the experiences or wealth of those who earn...
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March 23, 2025
What you need to know about the unified pension scheme regulations
The unified pension scheme regulations were released as a gazette notification on March 19th 2025. We have extensively covered the UPS earlier: If you have not yet understood how the UPS works, start with the second or third link below. Revised UPS vs NPS Calculator after Jan 2025 Gazette Notification Unified Pension Scheme Formula Explained...
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My Stock Portfolio Analysis: March 2025
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month. Before we begin, new readers need to appreciate the context of these investments. Update: We recently added a new tool to the freefincal investor circle...
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March 22, 2025
Can I avail rebate of Rs 12,500 for FY 2024-25 on equity LTCG if my taxable income is within Rs 5 Lakhs?
A reader says, “This is about your article ‘Is 87 A Rebate Applicable for Capital Gains after Budget 2025‘ dated 3 February 2025 on your site. Can I avail of the Rs 12,500 rebate for FY 2024-25 on equity LTCG if my taxable income is within Rs 5 Lakhs?” Tax expert Manmohan Sethumadhavan responds. ...
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Why I will not opt for the unified pension scheme
The unified pension scheme regulations were released as a gazette notification on March 19th 2025. The scheme rules were earlier announced: Jan 2025 Gazette Notification. This is our coverage of the Unified Pension Scheme. Revised UPS vs NPS Calculator after Jan 2025 Gazette Notification Unified Pension Scheme Formula Explained How does the Unified Pension Scheme work?...
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March 21, 2025
ULIP vs MFs: What you need to know before buying
“How would you explain ULIP compared to a direct mutual fund to a layman?” Tax expert Manmohan Sethumadhavan answers. About the author: Manmohan Sethumadhavan is a freelancer, investor, and personal finance enthusiast “in search of the absolute truth.” You can follow Manu on Twitter @ManuTsr. Also, read his articles: Capital Gains Taxation Rules Ready Reckoner for FY...
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Can I buy term life insurance if I have no dependents?
The usual response to “Can I buy term life insurance if I have no dependents?” is, “No, it is unnecessary. Life insurance is only for those with dependents”. While this is perfectly fine, my view on this – initially aligned with the standard answer – has changed over the years. Often, young, unmarried earners ask...
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March 20, 2025
Debt and hybrid mutual fund screener (Mar 2025) for selection, tracking, learning
This is a debt mutual fund screener for portfolio selection, tracking, and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking PSU funds, etc. The credit quality of the bonds in the portfolio and the bond maturity profile can be tracked....
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