M. Pattabiraman's Blog, page 29
February 18, 2025
Is 87A rebate applicable debt MF purchased before 2023 and sold in Feb 2025?
A reader says, ” This is concerning the article titled: Is 87A rebate applicable for capital gains after budget 2025. It mentions that the rebate is available for LTCG – Debt funds – special rates for FY 2024-25. However, the calculator on the income tax department website does not provide the rebate. This is for...
The post Is 87A rebate applicable debt MF purchased before 2023 and sold in Feb 2025? appeared first on freefincal.
February 17, 2025
Do you respect your money enough to have a risk management plan?
Since Sep 2024, my retirement portfolio has lost an amount equivalent to 1 to 1.5 years of my annual expenses (X). That is if it was 10 times X in Sep 2024*. It is now 8.5 to 9 times annual expenses. * Not my real portfolio value. It will take a huge fall to erase...
The post Do you respect your money enough to have a risk management plan? appeared first on freefincal.
February 16, 2025
Index fund tracking error screener Feb 2025
This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). The screener will help users evaluate how efficiently an index fund has tracked its underlying benchmark. It will also help to understand how tracking a midcap index or the Nifty 100, 500 differs from tracking the Sensex or...
The post Index fund tracking error screener Feb 2025 appeared first on freefincal.
February 15, 2025
How much do I need to retire in 2025?
Last Updated on February 16, 2025 at 7:31 am A reader asks, “I will turn 55 this year and would like to retire in 2025. How do I find the corpus required if my monthly expenses are close to Rs. 1 lakh?” We shall use the freefincal robo advisor tool for this exercise. The retirement...
The post How much do I need to retire in 2025? appeared first on freefincal.
February 14, 2025
How does the Unified Pension Scheme work? Should you opt for it?
In this article, Ganesh, a central government employee, decodes the unified pension scheme and discusses when it makes sense to opt for it. Per the UPS Gazette notification, an individual corpus will be built for each employee, consisting of 20% of Basic + DA (10% by employee and 10% by government/employer). A separate contribution of...
The post How does the Unified Pension Scheme work? Should you opt for it? appeared first on freefincal.
February 13, 2025
ETF tracking error screener Feb 2025
This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying benchmark. The tracking error is the ETF’s standard deviation minus index monthly return differences. The lower the tracking error, the more efficient the ETF is...
The post ETF tracking error screener Feb 2025 appeared first on freefincal.
February 12, 2025
Budget 2025: Changes in taxation of Alternative Investment Funds (AIFs)
AIF means any fund incorporated, which is a privately pooled investment vehicle that collects funds from sophisticated investors, for investing it following a defined investment policy for the benefit of its investors. These are governed by the SEBI (Alternative Investment Funds) Regulations, 2012. There are three categories of AIFs. About the author: Manmohan Sethumadhavan is a...
The post Budget 2025: Changes in taxation of Alternative Investment Funds (AIFs) appeared first on freefincal.
February 11, 2025
A better way to stress test small and mid cap MFs
In early 2024, the Securities and Exchange Board of India (SEBI) mandated that all mutual fund houses disclose the results of stress tests for their small-cap and mid-cap schemes. Following this directive, the Association of Mutual Funds in India (AMFI) required fund houses to publish these stress test results by the 15th of each month...
The post A better way to stress test small and mid cap MFs appeared first on freefincal.
February 10, 2025
Budget 2025: Changes in taxation of Unit Linked Insurance Policies (ULIP)
Unit Linked Insurance Policy is a life insurance policy that has components of both investment and insurance and is linked to a unit as defined in regulation 3(ee) of the Insurance Regulatory and Development Authority of India (Unit Linked Insurance Products) Regulations, 2019, governed by section 10(10D) of the Income Tax Act 1961. About the...
The post Budget 2025: Changes in taxation of Unit Linked Insurance Policies (ULIP) appeared first on freefincal.
February 9, 2025
Equity Mutual Fund Screener Feb 2025: Shortlist consistent performers
The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark and spot mutual funds with a higher return than a benchmark at a lower risk. Inside, you get discounted links to our robo advisory tool...
The post Equity Mutual Fund Screener Feb 2025: Shortlist consistent performers appeared first on freefincal.
