M. Pattabiraman's Blog, page 28

Personal Finance Resolutions for 2025 to help you create wealth

Here are 16 personal finance resolutions and resources to help you start your wealth creation journey. In his 2013 Ted Talk, former Google search quality chief Matt Cutts discussed the power of trying something new for 30 days.  He says if you try something new for 30 days or stop doing something for 30 days,...

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How to invest without worrying about market conditions

We discuss an efficient investment strategy for our financial goals without worrying about market conditions. This simple strategy will help you achieve your financial goals independent of market conditions. We have extensively backtested different variable asset allocation strategies, and the results are available in our goal-based portfolio management course. Be clear about when you need...

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How do you increase equity market participation in India?

I was recently asked to share my thoughts on “How do you increase equity/bond market participation in India?”. I figured the best way to collect my thoughts was to write an article about it. Financial inclusion typically means enhancing the reach and deliverability of financial services to reduce inequality. So, by aiming for enhanced capital...

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My Stock Portfolio Analysis: Dec 2024

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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Whining won’t make wealth! Here is how you can get started

Each time a financially independent person is interviewed on YouTube or the media, many comments go, “Oh, this guy had a huge salary; she went on-site, that is why she can save so much. He says he is financially independent and retired, but his wife is still working so that does not count” and so...

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Portfolio Audit 2024: The annual review of my goal-based investments

I evaluate the performance of my retirement portfolio and my son’s future portfolio each year in a personal finance audit. This is the 12th edition. Published from 2013 onwards, these audits provide a sense of accountability and ensure I do not fall prey to fear of missing out, preventing bad investment decisions. They also point...

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Debt and hybrid mutual fund screener (Dec 2024) 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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How to use the same investment portfolio for all our financial goals

In this article, SEBI-registered flat fee-only financial advisor Swapnil Kendhe discusses how we can implement a unified portfolio approach for all our long-term goals. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’ list. You can learn more about him and his...

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Minimalism, Index Funds, and Staying Calm: My Investing Journey at 28

Back when I was still in college, I stumbled onto Freefincal. I’d open one article, and the next thing I knew, I’d have 20 tabs open—each leading me deeper into this endless maze of personal finance. It was a strange obsession for someone who had zero money to their name. I read, I learned, and...

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How do I plan for my five-month-old daughter’s future?

A reader asks, “Our daughter is five months old. How should we start investing for her future?” It is always best to start planning on a clean slate before making any investment.  Let’s dive straight into the goal-planning steps. The goal-planning steps We need a target corpus after 17/18 years, depending on when she was...

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