M. Pattabiraman's Blog, page 213

PM Vaya Vandana Yojana (2020) is now open: Key Features

These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020. To understand who should buy this product and who should not, please...



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Where should senior citizens invest in 2020?

Falling interest rates and “risky” mutual funds have spooked senior citizens and their self-appointed advisors – their children. As always, wrong questions like “should I...



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Will covid-19 insurance claims face trouble? Will premiums increase?

Covid-19 health insurance claims are rapidly increasing in the country. With no standardised hospital pricing and reports of huge hospital bills, insurers are finding it difficult to pay out claims...



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NPS equity schemes underperform Nifty, Nifty 100: time for passive approach?

Considering how the NPS equity schemes have underperformed Nifty 50 and Nifty 100 total return indices, it is high time PFRDA mandates these “low cost” fund to passively track an index...



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How falling interest rates and lower equity returns can affect a retirement plan

With the repo rate at its lowest, fixed-income investment rates which were already heading south over the last few years are likely to stay there and move down further in future. Equity returns have...



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Why you should avoid equity (scheme E) in your NPS portfolio!

The NPS has a portfolio management fee of 0.01%. There is an additional custodian fee of 0.0032% and various transaction fee applicable on the investment amount (much like an airline charging extra...



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How to get tax benefits under a Hindu Undivided Family (HUF)

Hindu Undivided Family (HUF) is a distinct legal entity and consists of individuals who have lineally descended from a common ancestor, including their wives and children. Let us see how a HUF is...



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Will a daily SIP provide better averaging benefit than a monthly SIP?

If you sit and think about investment ideas without bothering to check how effective it has been in the past, many extreme strategies like buying only when the market is “low” or buying...



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After market crash 80% of active large cap funds outperform Nifty, Nifty 100

After the Feb-March 2020 market crash, 80% of active large cap mutual funds have outperformed Nifty 50 and Nifty 100 total return indices. This is likely due to the two-year imbalance among Index...

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Has the market recovered already? Did it even crash?

If we look at the fall in Nifty from its early Feb 2020 levels it certainly feels like a crash. After all, we witnessed the biggest intraday fall that sent the 10-year Nifty SIP Return to 2.3%;...

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