M. Pattabiraman's Blog, page 267

Revised Tax Rebate Under Section 87A (FY 2019-2020) Explained

The interim budget announced on 1st Feb 2019 has proposed a change in the tax rebate under section 87A. Here is how it will work.  Revised Tax Rebate Under Section 87A (FY 2019-2020) If you are...

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House property capital gains exemption with two new house properties

The government announced in the interim budget on 1st Feb 2019 that house property capital gains exemption under section 54 of the income tax act can be claimed by the purchase of two new house...

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Myth Busted: SIPs do not reduce risk or enhance returns!

One of the most popular beliefs about a mutual fund SIP is that it reduces risk because the buying price is “averaged”. Many also believe a SIP helps achieve higher returns. We show that...

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Has it become impossible to choose debt mutual funds for the short term?

Imagine that you are a risk-averse investor and wanted to “park” some money for a few days, and desired to earn a bit more than a savings bank account, an overnight mutual fund is a...

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Financial planning tips for NRIs who are unsure about returning to India

A typical NRI with no set return date to India has a unique financial planning dilemma. Should I plan to stay put or for return? Do I invest in NRE FDs paying 7% or global equities expected to...

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Franklin India Prima Fund Review: the 25 year old performer!

This is a review of Franklin India Prima Fund: a 25-year-old fund that invests predominantly in mid cap stocks with a mix of value and growth style. Started on Dec 1st 1993, the fund has performed...

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Want financial success? Budget time & energy before money!

In this guest post, R. Srivatsan discusses the importance of time and energy budgeting for financial success! Srivatsan would only like to be referred as a “long time reader” of...

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How to choose a liquid fund in 2019 by minimizing credit risk

Here is how one can choose a liquid fund in 2019 by minimizing credit risk. The recipe is simple: stop chasing returns; stop using star ratings and understand investment strategies.  In the past...

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Lessons from best and worst performing mutual funds of 2018

Here are lessons from the best and worst performing mutual funds of 2018. None of the funds mentioned are to be considered for investment. Observing annual returns can make us understand risk better...

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HDFC Balanced Advantage Fund: Still a fantastic performer!

This is a performance review of HDFC Balanced Advantage Fund, previously HDFC Prudence Fund. Does it still make sense to consider this fund or continue investing in it? Let us find out by comparing...

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