M. Pattabiraman's Blog, page 190

Why an emergency fund is the foundation of investing

In this article, Sathak Parikh explains the importance of an emergency fund; how much is necessary; where to park it and how the pandemic has increased the need for a robust emergency fund. COVID-19...



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Do not buy PlayStation 5! Do this instead!

Does your child want the new Sony PlayStation 5(PS5)? Maybe they want an Xbox? Maybe you know a friend who is planning to buy these. PS5 is available for pre-order online. However, do not buy these...



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We maxed out two credit cards and took 3 years to repay: our lessons

In this article, Pranav gives an account of his lesson from repaying credit card debt. Regular credit card users who excel in reward point accumulation or those who do not like debt, in general,...



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Should I stop my mutual fund SIPs when the market is at an all-time high?

In this article, we study historical Sensex data to determine if investors should stop or pause their mutual fund SIPs when the markets hit an all-time high. We also consider lump sum investments and...



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My stock portfolio vs Nifty Jan 2021

I compare the returns of my stock portfolio as on 8th Jan 2021 with that of the Nifty. The portfolio is relatively young, and therefore the returns numbers you see would mellow down with age. The...



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Why increasing investments each year is crucial for financial freedom

I have been tracking the amount invested for my goals in the same Excel sheet for the last ten years (2011 to 2020). These are some lessons from the journey. This sheet is only for tracking the...



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Working on a new book: “basics of money for kids”

Dear all, I am working on a new book for kids (10 Y+) discussing the basics of money management. I am writing this from the point of view of the child (which is tough!). The book is not yet titled...



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How Gowtham started goal-based investing & took control of his money

In the fourth edition of personal finance audits by readers, Gowtham Subramanian discusses how he has started goal-based investing, focusing on asset allocation and how it has made him feel more in...



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Why Turkey’s interest rate is 17%! Why investors should not wish for high rates!

Every time the RBI lowers interest rates, we see many investors complain. In this article, Harshini explains why a high-interest rate is not healthy for our finances by taking Turkey’s example,...



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American Express Platinum Charge Card Review

This is a review of American Express Platinum Charge Card. This premium card offers a no “pre-set spending limit” providing greater flexibility as per the user’s need (but not...



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