M. Pattabiraman's Blog, page 278

Do you buy stuff suddenly without planning (impulse buying)? This might help

Impulse buying refers to the sudden purchase of goods and services without planning or without evaluating if it would be useful. It is the same as the sudden urge to pick up a packet of namkeen or...

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Download Re-assemble e-book on our 6th birthday

Freefincal was started on May end 2012. So this is its 6th birthday and to mark the occasion I have compiled the post in the Re-assemble series into a pdf e-book. Re-assemble is a series of basic...

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How the fate of your mutual fund SIPs is decided by “timing luck”

It is a genius plan. Simply tell the naive investor that one should not time the market and invest regularly via SIP as it will reduce risk. Convince them that automating something will make them...

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How can we help our children choose their careers

There can be no argument that life is unfair! If a child is not sure about “what to do” after 12th standard, it is a stressful time for everyone. Joining a course that has “good...

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Picking Stocks With Low Volatility: A simple, but effective strategy?

Can we beat indices like the Nifty Next 50 (NN50) by simply picking stocks with low volatility?! Regular readers may be aware that I am running a series on the NN50. In the fourth and final part (for...

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How to select mutual funds after the SEBI categorization rules

With most AMCs complying with SEBIs mutual fund categorization rules, the implications are slowly sinking in. Since most mutual funds have changed in nature, their past history is now useless. Star...

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Beware of incorrect assumptions while planning for early retirement (FIRE)

As mentioned earlier, I am running a series of posts on financial independence and early retirement (FIRE). In the first part, we considered a set of thumb rules for FIRE with a calculator and...

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Worried about risk in debt mutual funds? Park your money in overnight mutual funds

A fixed deposit is one of the simplest instruments to understand. However, make the FD tradeable mid duration then all sorts of complications will arise. You will lose money if you try and sell when...

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Seven ways a fee-only financial planner will NOT help you!

Among the very few things that I am satisfied with and am proud of is the fact that freefincal and Ashal’s FB group Asan Ideas for Wealth have played a small role in popularizing...

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Why can’t we get rid of income tax returns?

We cannot afford to get rid of income tax, but why can’t we get rid of income tax returns? Difficulty in figuring out which ITR form to use, which rows to fill, delays in processing, delay in...

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